What is it to go to the government affairs center for face-to-fa
online signing refers to online signing in the field of real estate, that is, after both parties sign a contract, they go to the relevant departments of real estate for filing and publish it on the Internet. Then, an online signature number will be given, and users can query online through the online signature number. Online signing is to make real estate transactions more transparent and prevent & quot; Sell more than one room;, It can be cancelled after signing the contract. General & quot; Online sign & quot; The proceres are as follows: 1. The parties to the transaction shall negotiate and draw up relevant terms according to the commercial housing deposit agreement or sales contract text publicized on the Internet; 2. The real estate development enterprises print the agreements or contracts 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 reserved or signed. In the field of e-commerce, it can also be called e-contracting and contract signing. In order to avoid the unilateral agency without authorization & quot; Online signature;, According to the notice on improving the online signing process of stock housing sales contract issued by the Municipal Commission of housing and urban rural development, if both parties fail to sign or seal the contract and the real estate agency submits online information without authorization, the online signing behavior of the agency or personnel will be restricted after verification, and the illegal behavior will be publicized and exposed, If it is serious, the violation will be recorded in the credit file of the organization and personnel
you can borrow more than 100000 yuan at most ~ ~ companies or units can borrow 800000 yuan by paying 520 yuan or so and adding 1.1040 yuan or so ~ ~ there is a provident fund calculator on the Internet, so you can calculate it by yourself< (1) the loan object should be a natural person with full capacity for civil conct< (2) having permanent residence or valid residence status in cities and towns
(3) have a stable career and income, good credit, and the ability to repay the principal and interest on time< (4) the borrower and his unit have established a normal deposit relationship with the housing fund management center, and have paid the housing fund in full and in time for more than 12 months
(5) the borrower must be the property owner of the house purchase contract if he has the contract or agreement to purchase the house; The purchased housing is commercial housing, affordable housing, housing reform housing and public housing< (6) there is no less than 20% of the total price of the house purchased as the down payment< (7) agree to mortgage the house purchased or other houses approved by the lender and go through the real estate insurance proceres, or pledge the securities, or the third party with sufficient compensation ability as the guarantor. If the borrower purchases the house in the future, before the completion of the house and the application for the certificate of property right, the unit selling the house can provide guarantee and handle the mortgage filing.
if the system passes the preliminary examination, it will trigger a short message inviting face-to-face signature. The validity period of face-to-face signature is generally 30 days or 60 days (subject to the prompt in the short message). If the system fails to apply for face-to-face signature within the time limit, it will be deemed that it will automatically give up applying for a credit card. Moreover, it is not allowed to submit the credit card application again through the network channel within 90 days
(response time: July 30, 2019, please refer to the official website of China Merchants Bank for the latest business changes.)
Bank face to face signature refers to the process in which the borrower (together with the co payer or guarantor) needs to carry his original ID card, handkerchief and the expenses required for the loan, wait until the bank signs the IOU and contract, and conct interview and signature
what banks need to do is to verify the identity of the borrower and the authenticity of the loan purpose, so as to rece the risk of lending and prevent the borrower from being unable to repay the loan and malicious fraud. It should be noted that the face-to-face signature must be signed by the borrower himself, and cannot be replaced by others
extended information:
materials signed by banks:
1. For house buyers,
when the down payment is completed, the developers will inform the house buyers in advance of the materials to be prepared for the loan. According to the different marital status of house buyers, the materials they need to prepare are also different. The specific situation is as follows
necessary materials: ID card, household register, income certificate, business license with official seal, bank running water, degree certificate (institutions, state-owned enterprises, top 500 companies can not provide business license with official seal, just provide work license). And the proof of income is enough. There is no need to provide running water.)
the client is married: Both husband and wife should be present at the same time, and the necessary materials and marriage certificates of both husband and wife should be provided
single client: only one person is required to be present and provide necessary materials
Customer divorce: only one person is required to be present. And provide necessary materials and divorce certificate, divorce agreement (divorce agreement to Civil Affairs Bureau file)
2. For the owner,
if you are an owner and need to sell your house, just like the buyer, according to the different marital status, the necessary materials to be prepared are as follows
necessary materials: ID card, household register and house property certificate
the owner is married: no matter whose name is registered on the house property certificate, both the husband and wife should be present at the same time and provide the necessary materials and marriage certificate
single owner: only one person is required to provide the above necessary materials
divorce: only one person is required to be present. In addition to the above necessary materials, we should also prepare the divorce certificate and divorce agreement (the divorce agreement should be transferred by the Civil Affairs Bureau) and clear proof of housing ownership
widowed owners: one person present. Necessary materials, death certificate and clear proof of property ownership
