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Should the bank check the credit when buying a house in full?
You don't need to check the credit information when you buy a house in full, because you only need to sign a sales contract with the developer, and you don't need to involve bank loans. Naturally, you don't need to check the credit information records. Therefore, if the loan is rejected by the bank because of the credit problem, it is also a good choice to choose to buy a house in full if the economic conditions permit.

What is the process of buying a house in full?

1, house selection

Looking at the house and choosing a house is the first step in the process of buying a house. Only when you look at the house can you buy it, so everyone must be careful when looking at the house. For favorite real estate projects, you can go on a field trip. Only when you have seen them with your own eyes can you know the real situation of real estate. After all, in some cases, there will be a big difference between advertising and reality. If the budget is enough, go to several real estates to see the surrounding environment and public facilities such as kindergartens to facilitate your future life. After many investigations, we can almost decide where to buy a house. Then enter the stage of housing selection, pay attention to the choice of floors and huxing, and pay attention to the surrounding supporting planning.

Step 2 register for a subscription

After determining which house to buy, the next step is to sign the subscription book. Everyone must keep their eyes open when signing the contract. Once buying a house involves signing a contract, we should pay attention to the content of the contract. Some oral supplementary agreements can be written into the content of the purchase contract to avoid the phenomenon of non-recognition afterwards. However, in the process of signing the contract, we should also pay attention to some problems, such as: determining the area, confirming the conditions for handing over the house, the loan problem, confirming the real estate information, and paying attention to the agreed liability for breach of contract. And refine the contents of the contract in order to effectively protect the legitimate rights and interests in the future. Pay attention to keep the payment notes and other information when paying money.

Step 3 pay the house price

Buyers who buy a house in full need to pay attention to the house payment. If property buyers choose to buy a house in full, then everyone must be careful about the safety of funds, because there are more funds involved in buying a house in full, so the invoices received after paying the house price need to be collected and used when paying taxes.

4. Check the house and accept the house

No matter which way you choose to buy a house, buyers need to check and accept the house. After the house is completed, the developer will inform you to accept the house. You must pay attention to the closing time. When inspecting the house, we should carefully check every detail of the house and check the "three books, one certificate and one form". If the developer can't produce these documents, you can directly refuse to accept the house.

5. Deal with the title certificate

The last step is to apply for real estate license. Buying a house can only prove that the property right of the house belongs to you. After check-in, it is necessary to urge the developer to handle the property right transfer formalities as soon as possible. It is impossible for the developer to get the title certificate immediately after the completion of the new house. They also need to go through the initial registration of the house in the relevant departments, and then the buyers go through the formalities of property right transfer registration in the real estate management department and handle the property right certificate. After the property right certificate is completed, the commercial housing transaction is completed.