You can't. Buying a house requires my signature process, so I have to be present. If you buy a house with your parents' ID card, they need you to sign a power of attorney, because you need to sign it as well as your ID card. Investment is risky, please make a careful decision.
Can I buy a house with a bank loan without my presence?
No, you must attend in person. I brought the original ID card and signed it on the spot.
This is the bank's risk control requirement. You can contact the salesman and ask the bank account manager to sign on the front, not necessarily at the bank. But it must be signed by myself in front of two bank staff, and some of them will be videotaped.
Do I have to go to the bank to buy a house with a loan?
Not necessarily, you don't have to apply for a bank loan to buy a house yourself, you can entrust someone else to do it, and you need to go through the bank and apply for a certificate of entrustment. The notary office will make a transcript of the conversation, recording the relevant contents, entrusted matters, authority, etc. , and issue a notarial certificate.
Should I go to the bank to apply for a loan to buy a house?
Housing loans must be handled in person. When handling a mortgage, the bank needs to discuss the loan interest rate, repayment period and other issues with the applicant face to face to verify whether the information is true and valid. If I am not present, there is a great possibility that the loan will be rejected. If someone else applies for a loan, I still need to be present at the final signing.
Do I have to be present in person to buy a house? Can parents use my ID card to handle it?
You don't need to be present in person, you can issue a power of attorney to your parents, authorizing them to take full responsibility for buying a house.
1. To buy a new house, you need to prepare the following materials: sign a gold agreement, sign a sales contract, pay a down payment, sign a loan contract and a mortgage contract, apply for a birth certificate ID card, a marriage certificate (or a single certificate), a household registration book, a child's birth certificate with children, and a provident fund account number.
2. Buying a new house needs to confirm whether it meets the conditions for buying a house, whether it is the first set or the second set (it is also necessary to confirm whether the previous bank credit is good or not, which also affects the identification of the first set or the second set), and the loan method is provident fund loan, commercial loan or portfolio loan.
3. Pay attention to the provident fund loan: the maximum loan for the provident fund account is 300,000 yuan and 400,000 yuan for the supplementary provident fund. The provident fund is a family unit, and both husband and wife can jointly borrow, with a maximum loan of 800,000 yuan, and the interest rate of provident fund loans is much lower. Look at the cash and down payment before buying a house.
4. The process of buying a second-hand house: determining the desirable housing, agreeing with the owner to see the house, determining the purchase intention, signing the sales contract and the second-hand house sales contract with the ID card and deposit, paying the down payment of the loan, transferring the property right, transferring the land certificate, paying the final payment, moving out of the account, and handing over the house for inspection.
Extended data:
Matters needing attention in handling property right certificate
1. When trading, ensure that the seller's double certificates are complete, and all the * * * people on the property certificate sign in person, and the sales contract will take effect, so as to prevent the signing or omission.
2. The expenses involved in the whole transaction process are not collected at one time, so be sure to clarify all the detailed expenses in advance as far as possible to avoid adding various miscellaneous fees in the middle.
3. Choose a well-known celebrity or a formal real estate agency as the supervisor of the delivery of funds and houses by both parties to the transaction, so as to ensure the smooth transfer of ownership after the payment, or the house and money will be paid off after the transfer.
4. The buyer should pay attention to whether the purchased house is in mortgage state to determine the transaction and occupancy time. Extending the loan time after the transaction will bring a lot of unnecessary trouble.
5. Before the transaction, the buyer should clearly determine the conditions and expenses required for the loan to prevent the transaction loss caused by the loan problem after the transaction.
6. Registration of property rights at the time of delivery, handover of water, electricity, cable TV, gas, etc. And the housing situation should be checked one by one to avoid these problems being discovered after delivery and leading to the payment of taxes and fees.