Many people want to buy a house, but for some reason they can't buy a house in person, so do I have to be present to buy a house? Let's take a look!

Do I have to be present in person to buy a house?

Generally speaking, it is better to go by yourself, because there are many materials to prepare and many things to deal with. If you really have no choice, you can entrust a notarized power of attorney and then let the client do it for you. There are many materials that need to be prepared to buy a house, including: ID card, marriage certificate, household registration book, proof of marital status, and provident fund account number if provident fund loans are used.

What are the general procedures for buying a house?

1, check whether it is eligible for purchase.

Nowadays, buyers and sellers need to be qualified to buy a house. Many cities have implemented the policy of buying a house, so when buying a house, it depends on whether it meets the local purchase conditions and whether it is qualified to buy a house. If you buy a house with a foreign hukou, you still have to pay social security or personal income tax for a certain period of time.

2. Determine the housing.

Buying a house needs to be chosen according to your own needs, such as location, price, floor and apartment type. Then choose the one that suits you, and then look at the strength of the developer, the supporting facilities of the community and other factors, and finally determine the housing.

Step 3 pay the deposit

After confirming the house, pay a certain deposit. When paying the deposit, it should be noted that the deposit is different from the deposit, and the deposit has legal effect. If the buyer defaults, the deposit cannot be recovered. If the developer defaults, it needs to be returned twice.

4. Sign a house purchase contract

I paid a deposit, signed a house purchase contract, and also paid a down payment. However, property buyers should pay attention to the terms of the contract to see if there is liability for breach of contract, liability compensation, delivery date and so on.

5, for housing loans

When handling loans, we should choose loan methods according to our own situation, including provident fund loans and commercial loans. If you have a provident fund, you can choose a provident fund loan because it is more favorable than a commercial loan. Repayment methods are divided into equal principal and interest repayment and equal principal repayment.

Bian Xiao concluded: The above is about buying a house. I hope it will help everyone.

2. Do I need to be present to buy a house in cash?

If I run a company, I suggest installment payment or loan. Because the rest of the money can still be invested and used as activity funds. The interest rate of housing loan is definitely lower than any 1 loan. If you get a fixed salary and don't plan to invest, I advise you to buy it in full. The interest rate of a loan is definitely higher than that of a deposit.

Do I need to be present when the property is transferred?

Whether I need to be present at the transfer of real estate generally depends on the situation:

1. Both the original owner and the new owner of the house must be present at the notarization and transfer formalities. This is to ensure the authenticity of the wishes of both parties and the effectiveness of the whole transfer;

2. But in some houses, the owners can't go to the site, or people can't come because of physical reasons, but it's not just verbal entrustment. You must show a power of attorney, which can be a power of attorney. The power of attorney and other books must be signed by both parties, and then the client personally goes to the scene to handle the relevant procedures.

The house transfer process is as follows:

1. The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including the house ownership certificate, identity certificate and other documents;

2. For example, it can be listed and traded, and the buyer can pay the purchase contract. After the Buyer and the Seller reach an agreement on the location, property rights, transaction price, rights disposal and other matters of the house, both parties shall sign the house in at least three copies.

3. The buyer and the seller apply to the real estate transaction management department for review. The buyer and the seller shall check the relevant documents with the real estate management department, review the property rights, grant the transfer procedures for the houses that meet the listing conditions, refuse the application and prohibit the listing transactions if there is no property right or some property rights and other property rights without written approval;

4. Contract. According to the property right status and purchase object of the transaction house, the real estate shall be submitted for approval step by step according to the examination and approval authority set by the transaction department in advance, and then both parties to the transaction can go through the deed signing formalities. Now Beijing's real estate sales contract is commonly known as "white deed";

5. Pay taxes and fees. The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.

6. Go through the formalities of property right transfer and transfer. After the real estate transaction management department completes the registration of property right change, both parties to the transaction will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate;

7. After the signing of the loan house sales contract, the buyer and the seller go through the loan formalities at the loan bank. The bank will review the buyer's credit, evaluate the house that both parties want to trade, determine the buyer's loan amount, and then approve the change. After the buyer receives the house ownership certificate, the bank will issue a one-time loan.

8. The buyer receives the house payment, and the seller delivers the house and settles all the property fees.

Legal basis: Article 2 14 of the Civil Code of People's Republic of China (PRC).

The establishment, alteration, transfer and extinction of the real right of real estate that should be registered according to law shall take effect when it is recorded in the real estate register.

Article 2 15

A contract concluded between the parties on the establishment, alteration, transfer and elimination of the real right of immovable property shall come into effect upon the establishment of the contract, unless otherwise provided by law or agreed by the parties; The validity of the contract has not been affected.

Article 2 16

The real estate register is based on.

The real estate register is managed by the registration agency.