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Text|Huanjing Laobi
Edit|Huanjing Laobi
Foreword: Many customers are actually stupid about online contracts, initialed contracts and filing contracts, and they don't know what the difference is? Why do I need to sign a initialed contract before signing an online contract? Today, I will give you a detailed introduction, in order to let more people see it, you work hard to save the collection and ** it, thank you!
First of all, the online signing contract is the filing contract, and the two are the same thing.
Before obtaining the "Commercial Housing Pre-sale License", the developer needs to confirm the contract template with the Housing and Urban-Rural Development Bureau and upload it to the internal network of the Housing and Urban-Rural Development Bureau.
After the buyer pays the deposit and down payment in the sales office, the developer's customer service department will record all the customer's information into the internal website of the Construction Bureau, such as name, ID number, home address, location of the purchased building, area, floor, transaction price and total price, payment method, etc.
After entering, click submit, and then print, print out the paper version of the contract with a barcode in the upper right corner is the online signing contract, and the buyer will sign and press the fingerprint after reading the content of the contract without objection.
Finally, the developer takes the online signed contract that has been signed and confirmed by the buyer to the Housing and Urban-Rural Development Bureau for final seal confirmation, that is, a long square seal is stamped on the cover of the online signed contract, which reads "special seal for filing contract" and the date.
Finally, the staff will click on the intranet to submit, and then your online signing contract will be completed and has legal effect.
Many home buyers have always been unclear about the distinction between online signing contracts and filing contracts, thinking that online signing contracts must be signed online, and seeing paper contracts do not think that they are online signing contracts, which is a misunderstanding.
Whereas, initialing a contract is divided into two situations:
The first situation is that the purchase contract signed by the developer and the buyer privately in order to recover the funds in advance before obtaining the "Commercial Housing Pre-sale License" is actually not protected by law, and the so-called initialed contract is actually invalid.
In order to get a bank loan in advance and alleviate the financial pressure, the same developer communicates with the bank in order to provide the bank mortgage department with the information of the customer's loan, first replace the online contract with the initialed contract, so that the customer can apply for a housing loan from the bank on the day of paying the down payment, and the bank will also try its best to approve the loan as soon as possible, and then the developer will replace the online contract with the initialed contract and release the loan on the same day.
This operation can save the bank's mortgage time, and allow the developer to get the housing loan as soon as possible, if this operation can save about 15-30 days.
Therefore, as a buyer, when you sign the initialed contract in the sales office, you must see clearly the five certificates displayed in the sales office, if the five certificates are incomplete, buy cautiously, and avoid real estate problems in the future, regret it!
In addition, if the developer has all five certificates, it is also necessary to ask why he does not sign the online contract and signs the initialed contract? The terms of the initialed contract should also be carefully read again to avoid falling into the pit!
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