You need to be present in person to sign. But if you really have difficulties, you can first notarize the power of attorney and let the authorized person handle it on your behalf.

Buying a house with a loan refers to a loan business in which the house buyer uses the building in the housing transaction as a mortgage to apply for a loan from the bank to pay for the house purchase, and then the house buyer repays the principal and interest to the bank in installments. It is also known as the loan business. Get a mortgage for your home.

A home loan is when a home buyer fills out an application for a home mortgage loan to the bank and provides legal documents such as ID card, proof of income, house sales contract, letter of guarantee, etc. that must be submitted. After passing the review, the bank promises to grant a loan to the home buyer, and handles real estate mortgage registration and notarization based on the house sales contract provided by the home buyer and the mortgage loan contract entered into between the bank and the home buyer. The bank will issue the loan within the period specified in the contract. The funds are transferred directly to the selling unit's account with the bank.

Extended information:

Loan method

Loan amount :

Generally divided into: equal amounts of principal and equal amounts of principal and interest!

Equal principal and interest: means that the monthly interest repayment remains unchanged! Generally called equal repayment!

Equal principal amount: refers to repaying the principal first and then interest! Generally called declining repayment!

For example: 30 X 64.23 = 1926.6 (equal principal and interest)

30 Amount * number of repayments - total loan amount

Conditions and procedures

What people are most concerned about in mortgage loans are the conditions and procedures. First, the information required to apply for a mortgage loan is:

< p>1. Original and 3 copies of the identity cards and household registration of the applicant and his/her spouse (if the applicant and his/her spouse do not belong to the same household registration, additional proof of marriage relationship must be attached).

2. Original house purchase agreement.

3. An original and a copy of the receipt for advance payment of 30% or more of the room price.

4. Documents proving the applicant’s family income and relevant assets, including salary slips, personal income tax returns, income certificates issued by the unit, bank deposit certificates, etc.

5. One copy of the developer’s payment account number.

Reference: Baidu Encyclopedia--Loan to buy a house