No way! Buying a house loan must have an online contract. The amount you want to borrow is based on online signing. Therefore, you must have an online sign to get a loan. Otherwise, it can't be done.

Second, can I borrow provident fund without online signing?

Those who have paid the housing provident fund may apply for provident fund loans.

The application conditions for provident fund loans are:

Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;

The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;

The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;

The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan;

Sign a house purchase contract or contract with the sales office;

Meet other conditions stipulated by the trustor and the trustee.

3. Can a contract without online signing be a provident fund loan?

Buying a house loan must sign a contract online. You must sign the loan online and go to the loan office.

4. Do you need online signing for provident fund loans?

Legal analysis: the purchase contract provided by applying for provident fund loans must be filed by the real estate registration and trading department (including online signing).

Legal basis: Regulations of the State Council on the Administration of Housing Provident Fund.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio.

The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.

Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.

Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units.

The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.