For sellers, the only difference between buying a house with full payment and buying a house with a loan is the sooner or later the payment is collected. The other differences are mainly reflected in the house payment, taxes and house application documents. The specific situation is as follows:

1. Pay the house payment. Buying a house with a loan means you need to pay a down payment and submit the loan information to the bank. The process of buying a house is cumbersome, including signing a loan contract and so on. To buy a house in full, just pay the money directly. But taking out a loan to buy a house can relieve financial pressure.

2. Pay taxes. Those who buy a house with full payment need to go to the local tax bureau to pay the taxes themselves. People who buy a house with a loan hand over the money to the developer, who handles the process, but needs to pay the handling fee.

3. Apply for a house book. If you buy a house with full payment, you can apply for a house book by yourself. Just prepare all the materials and go to the real estate registration center to get it done quickly. The loan is handled by the developer, and it takes a long time to obtain the certificate. However, if you buy a house in full, you can also let the developer handle it on your behalf.

4. Therefore, the above is the difference between buying a house with full payment and buying a house with a loan. Buying a house with a loan is more worry-free and can relieve financial pressure, while buying a house with full payment requires you to do everything yourself, but it is more efficient.

What are the procedures for purchasing a house with full payment?

1. Sign a contract.

The buyer and seller sign a contract and sign the "Existing House Sales Contract" and "Deposit Agreement", and collect the deposit. When signing the agreement, you need to bring the property book and the owner's ID card. All the seller's property owners need to be present when signing the contract. , if you cannot be present, you need to provide a power of attorney. If the property is owned by a couple, you also need to provide a "Certificate of Spouse's Consent to Sale".

2. Review link.

In this step, the buyer needs to do a qualification review to confirm that he is qualified to buy a house in Beijing, and the seller needs to do a house inspection. Ensure that the property rights of the house are clear and that the unsecured property can be listed and traded normally. Both can be carried out at the same time, and the results will be available within 10 working days.

3. Online signing.

Online signing means signing a contract online, which is a mandatory requirement of the real estate management department in order to eliminate the risk of "selling one house and two". Once the "online signing" is successful, the same property cannot generate a sales contract again, and it cannot be sold to others. This effectively eliminates the chaos of private signing and makes the entire real estate transaction more transparent. After passing the general qualification review and house inspection, you can "sign online" on the same day. The buyer and seller can go to the "Housing and Construction Committee" where the property is located to issue a contract or entrust a local formal intermediary company to handle it on their behalf.