外籍人士在华购房置业之法律实务 Real Estate Transactions of Foreigners in China

外籍人士在华购房置业之法律实务Real Estate Transactions of Foreigners in China PRESENTED BY: Real Estate Service Committee Of Tianjin Bar Association 天津市律师协会房地产业务委员会

总体流程 确认开发商售楼是否有合法文件购房查询签订认购书并交定金签订预售合同或买卖合同办理购房公证交易中心办理预售登记备案并结汇（二手房买卖不需预售登记，但须报购房地安全局审批同意）从境外或境内外汇帐户支付购房款同物业公司签订物业管理合同办理房屋交付手续完成产权设立或过户手续

General Procedures Check the licenses for house-selling of developers House-purchase inquiry Sign the purchase letter and pay the deposit Sign the contracts Notarize the house-purchase Trading center for pre-sale registration and settlement (pre-sale second-hand housing transactions are not required to register, but must be approved by Security Bureau of the purchase place) Pay the purchase with foreign exchange account inside or outside of China Sign the property management contract with property management company Housing delivery Set up property rights or finish escrow procedures

外籍人士购房流程图（贷款购房，含购买二手房，一次性付款除外）外籍人士购房流程图（贷款购房，含购买二手房，一次性付款除外）签约审查报银行批贷咨询报评估放款冻结通知过户公证处办理强制执行公证银行解冻领他项权利证办理抵押登记手续 END 签署借款合同签署投保单签署借款借据签署公司委托代理合同签署买卖合同签署抵押登记申请表另外，外籍人士购房大多选择专业的代理公司，与这样的公司签署代理合同的操作流程如下签约流程图签署申请表 END

购买商品房的条件 • 购房人的资格：境外机构的在华分支机构和代表机构（房地产企业除外）；在中国境内工作、学习时间超过一年的境外个人；港澳台居民和华侨。 • 购房类型：商品房（不可以购买公房和经济适用房） • 购房用途：自用、自住 • 采取实名制（同时注明中文和外文姓名），并持有效证明（中国批准来中国工作、学习的证明） • 特别提示：目前，京津地区已经暂停执行限制外籍人士在该地区购房所需的居住年限和所购房屋数量的政策。

Requirement for Real Estate Transactions • Buyers’ qualifications: Chinese branches and agencies of external institutions (except for real estate companies), foreigners working or studying in China over one year, Hong Kong, Macao and Taiwan residents and overseas Chinese. • Type of housing: commercial housing (public housing and economical housing are not allowed to purchase) • Purchase purposes: personal use • Real-name requirement：(both Chinese name and foreign name), valid certificate are also required (certificate of China’s ratification of foreigners working and studying in China) • Special note: at present, it is suspended that the policy of restrictions on foreigners’ transaction requirements which are residential time and the number of housing purchasing in Beijing-Tianjin Area.

所需证件、文书 • 身份证明 • 译名公证或《工作证》 • 有效居住证证件（需同时注有中文及外文姓名） • 向国外及港澳台人员租、售房屋审批表 • 《委托书》 • 以上证件、文书非中文书写的文件，需到具有翻译资格的翻译公司翻译，应同时附经公证和认证的中文译本，程序：经该外籍人士所在国公证机关公证，且经中国驻该国使、领馆认证。

Certificates and Documents Needed • Identification paper • Notarization of Chinese name or working license • Valid residence permit (both Chinese name and foreign name) • Approval form for housing rent and purchase with foreigners and Hong Kong, Macao and Taiwan residents • Power of Attorney • Certificates, documents and other non-Chinese papers should be translated by qualified translation companies and be enclosed the notarized and authenticated Chinese edition. Procedures: firstly, notarization from the host country of the foreigner, secondly, the authentication of Chinese Embassy in that country.

购房资金 • 自有资金 • 银行贷款，可向外国银行或中国银行贷款 • ●评估由银行来执行（选择权由购买者来决定) • ●币种：外币或人民币（可选择，建议选择人民币贷款，这样不必考虑外币与人民币之间的转换，避免汇率的变动） • ●贷款利率：外籍人士享受与中国人相同的待遇，按照中国人民银行规定的个人住房贷款利率执行

Purchase Fund • Their own funds • Loans of banks, both Chinese banks and foreign banks are allowed • ●Appraisal is required by the bank (option by the buyer) • ●Currency: foreign currency and Renminbi are all acceptable (it is recommended to choose Renminbi to avoid exchange rate risk) • ●Loan rate: foreigners are equaled with Chinese on interest rate, which is in accordance with regulations of People's Bank of China on loan rate of individual housing.

购房款结汇&支付 支付币种：人民币两种方式 ●从境外汇入 ●从境内外汇账户支付特殊情况：因故不能完成商品房交易的情形

Payment Currency of payment: Renminbi Two ways ●Inward remittance from abroad ●From foreign currency account in China Special circumstances: real estate transactions cannot be finished because of the reasons that……

税费 • 税费种类（三税四费） • “三税”：外商投资企业、境外机构设立代表处或分支机构和外国个人在境内购买房产，主要缴纳城市房产税、契税、印花税。购房所交纳的税率，与中国国民交纳的相同。 • A.城市房产税： • B.契税： • C.印花税： • “四费”：产权登记费、住房交易手续费、房产测绘费、合同鉴证费 • 上述税款于办理产权登记前缴纳。

Taxes and Fees • Types of taxes and fees (three kinds of taxes and four types of dues) • “Three Taxes”: Urban House Tax, Deed Tax and Stamp Tax. Tax rate for foreigners and Chinese are the same. • A. Urban House Tax • B.Deed Tax • C. Stamp Tax • “Four Fees”: Property Registration Fee, Housing-purchase Service Fee, Housing Mapping Fee and Contract Appraisal Fee. • Taxes and Fees should be paid before the property registration.

权属登记及产权证件办理 • 以天津市为例，其他省市类似。 • 外国人申请登记的，应当向登记机构提交身份证或者护照。外国企业驻国内机构申请登记的，应当向登记机构提交代表机构登记证。 • 在外国和港澳台地区登记注册的法人或者其他组织申请登记的，应当向登记机构提交有关的登记证明。 • 申请登记文件是外文的，应当同时提交中文译本。 • 境外当事人申请房地产登记的，还应当按相关规定办理公证或者认证手续并且提交相关的证件、文件。

Property Registration and Ownership Certificate • Take Tianjin as example since the requirements in other cities are similar. • Foreigners applying the registration should submit I.D card or passport. Chinese branches and agencies of foreign institutions applying for the registration are required to submit their registration certificate. • Companies and other institutions registered abroad and in Hong Kong, Macao and Taiwan Area applying for the registration should submit the registration certificate. • Chinese edition are required to enclosed when the applying documents are written by foreign languages. • Parties abroad applying for the registration should also deal with notarization or authentication procedures in accordance with relevant regulations and submit relevant certificates and documents.

参考中国的相关法律法规及政策 • 包括但不限于： • 《中华人民共和国城市房地产管理法》 • 《关于规范房地产市场外资准入和管理的意见》 • 《关于规范房地产市场外汇管理有关问题的通知》 • 《关于调整住房供应结构稳定住房价格的意见》 • 《天津市国土资源和房屋管理局关于境外机构境外个人、港澳台地区居民、华侨在我市购买商品房有关问题的通知》 • 《天津市人民政府办公厅转发市城乡建设和交通委员会等七部门关于促进我市房地产市场健康发展若干意见的通知》 • 《关于对外资企业及外籍个人征收房产税有关问题的通知》 • 《中华人民共和国房屋登记办法》 • 《商品房销售管理办法》 • 《中国人民银行个人住房贷款管理办法》

Chinese relevant laws, regulations and policies referred • Including, but not limited to • “Law of the People's Republic of China on Administration of the Urban Real Estate” • “Opinion Concerning Regulating the Access to and Administration of Foreign Investment in the Real Estate Market” • “Notice Concerning Regulating Problems Relating to Foreign Currency Management in the Real Estate Market” • “Opinion concerning adjusting housing supplying structure and stabilizing housing price” • “Notice of Bureau of Land Resources and Housing Management of Tianjin Municipality Concerning Problems Relating to the Commercial Housing Purchase of Foreign Institutions, Foreigners, Hong Kong, Macao and Taiwan Residents and Overseas Chinese in Tianjin” • “ Notice of General Office of People's Government of Tianjin Municipality on Forwarding Opinions of Committee of Municipal and Rural Construction, Traffic Committee and Other Five Governmental Departments Concerning Promoting the healthy Development of Real Estate Market in Tianjin” • “Notice Concerning Problems Relating to Taxation on Housing Property of Foreign Enterprises and Foreigners” • “Measurements for Building Registration of People’s Republic of China” • “Measurements for Management of Commodity Housing selling” • “Measurements of People's Bank of China on management of Personal Housing Loan”

天津市律师协会房地产业务委员会Real Estate Service Committee Of Tianjin Bar Association Real Estate Service Committee Of Tianjin Bar Association 天津市律师协会房地产业务委员会 Yinfeng Garden Building Block B Floor 8，Youyibei Road 61，Hexi District，Tianjin, China Phone No.:86-22-28012908 中国天津市河西区友谊北路61号银丰花园B座8层电话：86-22-28012908 网址：http://www.china-lawfirm.com

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外籍人士在华购房置业之法律实务 Real Estate Transactions of Foreigners in China