外籍人士在華購房置業(yè)之法律實(shí)務(wù)

外籍人士在華購房置業(yè)之法律實(shí)務(wù)總體流程確認(rèn)開發(fā)商售樓是否有合法文件購房查詢簽訂認(rèn)購書并交定金簽訂預(yù)售合同或買賣合同辦理購房公證交易中心辦理預(yù)售登記備案并結(jié)匯（二手房買賣不需預(yù)售登記，但須報(bào)購房地安全局審批同意）從境外或境內(nèi)外匯帳戶支付購房款辦理房屋交付手續(xù)完成產(chǎn)權(quán)設(shè)立或過戶手續(xù)GeneralProceduresCheckthelicensesforhouse-sellingofdevelopersHouse-purchaseinquirySignthepurchaseletterandpaythedepositSignthecontractsNotarizethehouse-purchaseTradingcenterforpre-saleregistrationandsettlement(pre-salesecond-handhousingtransactionsarenotrequiredtoregister,butmustbeapprovedbySecurityBureauofthepurchaseplace)PaythepurchasewithforeignexchangeaccountinsideoroutsideofChinaSignthepropertymanagementcontractwithpropertymanagementcompanyHousingdeliverySetuppropertyrightsorfinishescrowprocedures

簽署申請表END簽約流程圖咨詢簽約報(bào)評估審查報(bào)銀行批貸公證處辦理強(qiáng)制執(zhí)行公證通知過戶放款凍結(jié)辦理抵押登記手續(xù)領(lǐng)他項(xiàng)權(quán)利證銀行解凍END簽署借款合同簽署借款借據(jù)簽署投保單簽署買賣合同簽署抵押登記申請表簽署公司委托代理合同外籍人士購房流程圖（貸款購房，含購買二手房，一次性付款除外）另外，外籍人士購房大多選擇專業(yè)的代理公司，與這樣的公司簽署代理合同的操作流程如下購買商品房的條件購房人的資格：境外機(jī)構(gòu)的在華分支機(jī)構(gòu)和代表機(jī)構(gòu)（房地產(chǎn)企業(yè)除外）；在中國境內(nèi)工作、學(xué)習(xí)時(shí)間超過一年的境外個(gè)人；港澳臺居民和華僑。購房類型：商品房（不可以購買公房和經(jīng)濟(jì)適用房）購房用途：自用、自住采取實(shí)名制（同時(shí)注明中文和外文姓名），并持有效證明（中國批準(zhǔn)來中國工作、學(xué)習(xí)的證明）特別提示：目前，京津地區(qū)已經(jīng)暫停執(zhí)行限制外籍人士在該地區(qū)購房所需的居住年限和所購房屋數(shù)量的政策。RequirementforRealEstateTransactionsBuyers’qualifications:Chinesebranchesandagenciesofexternalinstitutions(exceptforrealestatecompanies),foreignersworkingorstudyinginChinaoveroneyear,HongKong,MacaoandTaiwanresidentsandoverseasChinese.Typeofhousing:commercialhousing(publichousingandeconomicalhousingarenotallowedtopurchase)

Purchasepurposes:personaluseReal-namerequirement

：(bothChinesenameandforeignname),validcertificatearealsorequired(certificateofChina’sratificationofforeignersworkingandstudyinginChina)Specialnote:atpresent,itissuspendedthatthepolicyofrestrictionsonforeigners’transactionrequirementswhichareresidentialtimeandthenumberofhousingpurchasinginBeijing-TianjinArea.所需證件、文書身份證明譯名公證或《工作證》有效居住證證件（需同時(shí)注有中文及外文姓名）向國外及港澳臺人員租、售房屋審批表

《委托書》以上證件、文書非中文書寫的文件，需到具有翻譯資格的翻譯公司翻譯，應(yīng)同時(shí)附經(jīng)公證和認(rèn)證的中文譯本，程序：經(jīng)該外籍人士所在國公證機(jī)關(guān)公證，且經(jīng)中國駐該國使、領(lǐng)館認(rèn)證。CertificatesandDocumentsNeededIdentificationpaperNotarizationofChinesenameorworkinglicense

Validresidencepermit(bothChinesenameandforeignname)ApprovalformforhousingrentandpurchasewithforeignersandHongKong,MacaoandTaiwanresidentsPowerofAttorneyCertificates,documentsandothernon-ChinesepapersshouldbetranslatedbyqualifiedtranslationcompaniesandbeenclosedthenotarizedandauthenticatedChineseedition.Procedures:firstly,notarizationfromthehostcountryoftheforeigner,secondly,theauthenticationofChineseEmbassyinthatcountry.

購房資金自有資金銀行貸款，可向外國銀行或中國銀行貸款●評估由銀行來執(zhí)行（選擇權(quán)由購買者來決定)●幣種：外幣或人民幣（可選擇，建議選擇人民幣貸款，這樣不必考慮外幣與人民幣之間的轉(zhuǎn)換，避免匯率的變動(dòng)）●貸款利率：外籍人士享受與中國人相同的待遇，按照中國人民銀行規(guī)定的個(gè)人住房貸款利率執(zhí)行PurchaseFundTheirownfundsLoansofbanks,bothChinesebanksandforeignbanksareallowed●Appraisalisrequiredbythebank(optionbythebuyer)

●Currency:foreigncurrencyandRenminbiareallacceptable(itisrecommendedtochooseRenminbitoavoidexchangeraterisk)●Loanrate:foreignersareequaledwithChineseoninterestrate,whichisinaccordancewithregulationsofPeople'sBankofChinaonloanrateofindividualhousing.購房款結(jié)匯&支付支付幣種：人民幣兩種方式●從境外匯入●從境內(nèi)外匯賬戶支付特殊情況：因故不能完成商品房交易的情形PaymentCurrencyofpayment:RenminbiTwoways

●Inwardremittancefromabroad●FromforeigncurrencyaccountinChinaSpecialcircumstances:realestatetransactionscannotbefinishedbecauseofthereasonsthat……稅費(fèi)稅費(fèi)種類（三稅四費(fèi)）“三稅”：外商投資企業(yè)、境外機(jī)構(gòu)設(shè)立代表處或分支機(jī)構(gòu)和外國個(gè)人在境內(nèi)購買房產(chǎn)，主要繳納城市房產(chǎn)稅、契稅、印花稅。購房所交納的稅率，與中國國民交納的相同。A.城市房產(chǎn)稅：B.契稅：C.印花稅：“四費(fèi)”：產(chǎn)權(quán)登記費(fèi)、住房交易手續(xù)費(fèi)、房產(chǎn)測繪費(fèi)、合同鑒證費(fèi)上述稅款于辦理產(chǎn)權(quán)登記前繳納。TaxesandFeesTypesoftaxesandfees(threekindsoftaxesandfourtypesofdues)“ThreeTaxes”:UrbanHouseTax,DeedTaxandStTax.TaxrateforforeignersandChinesearethesame.A.UrbanHouseTaxB.DeedTaxC.StTax“FourFees”:PropertyRegistrationFee,Housing-purchaseServiceFee,HousingMappingFeeandContractAppraisalFee.TaxesandFeesshouldbepaidbeforethepropertyregistration.權(quán)屬登記及產(chǎn)權(quán)證件辦理以天津市為例，其他省市類似。外國人申請登記的，應(yīng)當(dāng)向登記機(jī)構(gòu)提交身份證或者護(hù)照。外國企業(yè)駐國內(nèi)機(jī)構(gòu)申請登記的，應(yīng)當(dāng)向登記機(jī)構(gòu)提交代表機(jī)構(gòu)登記證。在外國和港澳臺地區(qū)登記注冊的法人或者其他組織申請登記的，應(yīng)當(dāng)向登記機(jī)構(gòu)提交有關(guān)的登記證明。申請登記文件是外文的，應(yīng)當(dāng)同時(shí)提交中文譯本。境外當(dāng)事人申請房地產(chǎn)登記的，還應(yīng)當(dāng)按相關(guān)規(guī)定辦理公證或者認(rèn)證手續(xù)并且提交相關(guān)的證件、文件。

PropertyRegistrationandOwnershipCertificateTakeTianjinasexlesincetherequirementsinothercitiesaresimilar.ForeignersapplyingtheregistrationshouldsubmitI.Dcardorpassport.Chinesebranchesandagenciesofforeigninstitutionsapplyingfortheregistrationarerequiredtosubmittheirregistrationcertificate.CompaniesandotherinstitutionsregisteredabroadandinHongKong,MacaoandTaiwanAreaapplyingfortheregistrationshouldsubmittheregistrationcertificate.Chineseeditionarerequiredtoenclosedwhentheapplyingdocumentsarewrittenbyforeignlanguages.Partiesabroadapplyingfortheregistrationshouldalsodealwithnotarizationorauthenticationproceduresinaccordancewithrelevantregulationsandsubmitrelevantcertificatesanddocuments.參考中國的相關(guān)法律法規(guī)及政策包括但不限于：《中華人民共和國城市房地產(chǎn)管理法》《關(guān)于規(guī)范房地產(chǎn)市場外資準(zhǔn)入和管理的意見》《關(guān)于規(guī)范房地產(chǎn)市場外匯管理有關(guān)問題的通知》《關(guān)于調(diào)整住房供應(yīng)結(jié)構(gòu)穩(wěn)定住房價(jià)格的意見》《天津市國土資源和房屋管理局關(guān)于境外機(jī)構(gòu)境外個(gè)人、港澳臺地區(qū)居民、華僑在我市購買商品房有關(guān)問題的通知》《天津市人民政府辦公廳轉(zhuǎn)發(fā)市城鄉(xiāng)建設(shè)和交通委員會等七部門關(guān)于促進(jìn)我市房地產(chǎn)市場健康發(fā)展若干意見的通知》《關(guān)于對外資企業(yè)及外籍個(gè)人征收房產(chǎn)稅有關(guān)問題的通知》《中華人民共和國房屋登記辦法》《商品房銷售管理辦法》

《中國人民銀行個(gè)人住房貸款管理辦法》Chineserelevantlaws,regulationsandpoliciesreferredIncluding,butnotlimitedto“LawofthePeople'sRepublicofChinaonAdministrationoftheUrbanRealEstate”“OpinionConcerningRegulatingtheAccesstoandAdministrationofForeignInvestmentintheRealEstateMarket”“NoticeConcerningRegulatingProblemsRelatingtoForeignCurrencyManagementintheRealEstateMarket”“Opinionconcerningadjustinghousingsupplyingstructureandstabilizinghousingprice”“NoticeofBureauofLandResourcesandHousingManagementofTianjinMunicipalityConcerningProblemsRelatingtotheCommercialHousingPurchaseofForeignInstitutions,Foreigners,HongKong,MacaoandTaiwanResidentsandOverseasChineseinTianjin”“Notice