1. If the purchaser of the house sales contract is a husband and wife, both husband and wife must be present to sign when the full payment is made, because the property is the exclusive property of the couple.

2. If the purchaser of the house sales contract is one of the spouses, only one of the purchasers needs to be present to sign when buying the house in full.

What documents are needed to buy a house with full payment?

Different situations require different documents. Married people buying a house: ID cards of both spouses, household registers of both parties, marriage certificate, income certificate, Proof of first-time home purchase (required for first-time home purchase, deed tax can be reduced or exempted), bank card statement. Unmarried people buying a house: ID card, household register, certificate of single status, income certificate, proof of first-time house purchase (first-time house purchaser must provide it, deed tax can be reduced or exempted), bank card statement.

What is the specific process for buying a house with full payment?

1. Confirm whether you are qualified to buy a house.

The step of confirming the qualifications to buy a house is easily overlooked. Many people think that the first step in buying a house is to look at the house. In fact, this is not the case. We should first confirm whether we are qualified to buy a house. Because many cities have limited purchase qualifications, for example, non-Beijing residents who purchase a house in Beijing need to pay personal income tax or social security for five consecutive years, have a legal and valid temporary residence permit, and ensure that they have no real estate in Beijing under their name. If you are not qualified to buy a home, all other work is in vain.

2. Select a house and view the house.

When buyers make a house selection on an agreed date with the developer and conduct an on-site inspection of the real estate project they like, they must learn as much as possible about the real situation. Be cautious when looking at model rooms and sand tables. In addition, you must Pay attention to the choice of floors and apartment types, and pay attention to the surrounding supporting planning drawings.

3. Sign the contract.

After choosing a house, the next step is to sign the contract. After confirming the house you want to buy, you need to pay the deposit, sign the subscription letter, and conduct a house purchase qualification verification. Under normal circumstances, the verification results will be available within ten working days. After passing the review, you can sign online directly. After signing online, the developer will notify you to sign a formal house purchase contract.

4. Pay the house payment.

After signing the house purchase contract, the next step is to pay the full price of the house. It is recommended that you pay by card here, because it is difficult to have proof of payment with cash. Regardless of whether it is by credit card or cash, everyone must remember to ask for an invoice from the developer and keep the invoice.

5. Pay taxes.

According to relevant regulations, commercial housing in my country needs to pay deed tax and public maintenance fund, and then pay property fees, heating fees, parking space fees, etc.

6. House inspection and acceptance.

When handing over the house, the buyer should carefully inspect the house. During the house inspection, the buyer should check every detail of the house and check the "three certificates, one book and one form". If the developer cannot produce these documents, it can directly refuse to take over the house. Among the "three certificates, one book and one form", the three books refer to the "Residential Quality Guarantee", "Residential Instructions", and "Construction Project Quality Certification"; the first certificate refers to the "Real Estate Development and Construction Project Comprehensive Acceptance Certificate"; The first form refers to the "Completion Acceptance Record Form".

7. Housing application book.

Normally, buyers who purchase a house with full payment can go to the real estate bureau to handle it themselves, or they can write a letter to the developer to ask them to assist in the process. Under normal circumstances, the processing speed of self-owned housing is faster than that of developers, and developers usually hand it over to a third-party agency, which will charge a certain agency fee.