Online signing means signing a contract online on the same day or the next day when the down payment is paid, and then you can apply for a loan at the bank.
Online signing refers to the online trading system of the housing management department. Whether it is a new house or a second-hand house transaction, it must go through this process. According to the commercial housing agreement or contract, the commercial housing has been booked or signed by both parties through the online signing system by the real estate development enterprise, and the agreement or contract confirmed by both parties is signed by both parties.
After filing with the Housing Authority, you will be given an online sign number, which can be queried online. Online signing is to let the property pay the bill.
It has been confirmed that the house is yours after the online signing. If you need to change the name of the head of household, you need to cancel the online signing contract in the real estate trading center and sign the contract again.
The online signing contract includes identity information, housing information, payment information, responsibilities of both parties, delivery date and other important information. And the houses are sold more.
"The procedure of online signing is: the two parties to the transaction negotiate and formulate relevant terms according to the text of the deposit agreement or sales contract of the commercial house published online-the real estate development enterprise prints the agreement or contract confirmed by both parties through the online signing system-and indicate on the electronic property right form that the commercial house has been booked or signed.
This sequence should be completed within 24 hours. "
Second, should the new house be signed online or loaned first? What are the precautions for online signing?
Now many people buy houses, and we are still a little vague about the process. Generally speaking, after we look at the house, we need to sign the contract online first, because it can keep the house for us and refresh the remaining houses for sale again. But online signing means signing a contract, so we should pay attention to some related issues. So, is the new house signed online or borrowed first?
Now many people buy houses, and we are still a little vague about the process. Generally speaking, after we look at the house, we need to sign the contract online first, because it can keep the house for us and refresh the remaining houses for sale again. But online signing means signing a contract, so we should pay attention to some related issues. So, is the new house signed online or borrowed first? What are the precautions for online signing?
Should the new house be signed online or loaned first?
Only when the new house is signed online can the loan be made. The so-called online signing means that after the two parties sign the contract, they should go to the relevant real estate department for the record and publish it online. What is the online signing process?
1. The two parties to the transaction negotiate and formulate relevant terms according to the text of the commercial housing deposit agreement or the sales contract published online;
2. Real estate development enterprises print the agreement or contract confirmed by both parties through the online signing system;
3. Signature (seal) of both parties;
4. Indicate on the electronic property list that the commercial house has been booked or signed, and the online operation procedure of each transaction should be completed within 24 hours.
Online signing is very important, which is why if you buy a house with a loan, you will be required to submit the loan information for review first, and then enter the online signing procedure after confirming the qualification.
What are the precautions for online signing?
1. When signing online, check whether the developer has a pre-sale permit for commercial housing. With the pre-sale permit, developers generally have land use permits, planning permits, construction permits and so on. This is the key to buying a house.
2. When signing online, you must use the standard house sales contract text uniformly printed by the real estate management department, and fill it out item by item according to the terms listed in the text. Never be careless.
3. When signing online, we must pay attention to whether the rights and obligations in the contents filled in by both parties in the contract terms are equal.
4. Area confirmation and area difference treatment. If the confirmed area is selected and the area difference is treated based on the interior construction area, the treatment method when the area is wrong shall be specified in the "Area Difference Treatment" clause.
5. When signing online, be sure to identify whether the delivery date has been determined. It is common to delay the delivery of the house due to insufficient funds. Developers often make a fuss about the pre-sale contract, and must determine the delivery date in the contract; Developers often use some vague language such as "after water and electricity installation, after quality acceptance, after residential facilities are completed".
The above content mainly tells the information about whether the new house should be signed online or loaned first, and what matters should be paid attention to when signing online. Now I know that the online signing has been advanced, but I still need to consult whether the loan can be handled. Otherwise, it will be more troublesome to check out because the loan can't be done. If you can apply for a loan, you must pay attention to the precautions mentioned above when signing online.
Third, whether to buy a new house is to go to the bank for a loan or sign online in the sales department.
Of course, you have to pay a down payment on the basis of the sales contract to get a bank loan. It is very troublesome to handle the loan formalities by yourself. Usually the sales girl does it for her.
4. Which should be handled first, the online signing contract or the bank loan?
General online signing is the first way to apply for bank loans.
1. The commercial house purchased by the property buyer must be the commercial house of the real estate development company that signed the mortgage agreement with the bank;
2. Sign a house purchase contract with a real estate development enterprise, and pay a down payment of 20% of the total house purchase price;
3. Apply to the bank for housing mortgage loan and submit relevant materials;
4. The bank investigates the borrower and the information provided, and informs the borrower to go through the loan formalities at the bank if it meets the requirements;
5. Insure the purchased house according to the loan term;
6. The borrower mortgages the purchased commercial house to the bank, and the real estate enterprise goes to the relevant department for mortgage registration, and submits the house ownership certificate to the bank for safekeeping.