外籍人士在华购房置业之法律实务

外籍人士在华购房置业之法律实务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办理房屋交付手续完成产权设立或过户手续GeneralProceduresCheckthelicensesforhouse-sellingofdevelopersHouse-purchaseinquirySignthepurchaseletterandpaythedepositSignthecontractsNotarizethehouse-purchaseTradingcenterforpre-saleregistrationandsettlement(pre-salesecond-handhousingtransactionsarenotrequiredtoregister,butmustbeapprovedbySecurityBureauofthepurchaseplace)PaythepurchasewithforeignexchangeaccountinsideoroutsideofChinaSignthepropertymanagementcontractwithpropertymanagementcompanyHousingdeliverySetuppropertyrightsorfinishescrowprocedures

签署申请表END签约流程图咨询签约报评估审查报银行批贷公证处办理强制执行公证通知过户放款冻结办理抵押登记手续领他项权利证银行解冻END签署借款合同签署借款借据签署投保单签署买卖合同签署抵押登记申请表签署公司委托代理合同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）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。RequirementforRealEstateTransactionsBuyers’qualifications:Chinesebranchesandagenciesofexternalinstitutions(exceptforrealestatecompanies),foreignersworkingorstudyinginChinaoveroneyear,HongKong,MacaoandTaiwanresidentsandoverseasChinese.Typeofhousing:commercialhousing(publichousingandeconomicalhousingarenotallowedtopurchase)

Purchasepurposes:personaluseReal-namerequirement

：(bothChinesenameandforeignname),validcertificatearealsorequired(certificateofChina’sratificationofforeignersworkingandstudyinginChina)Specialnote:atpresent,itissuspendedthatthepolicyofrestrictionsonforeigners’transactionrequirementswhichareresidentialtimeandthenumberofhousingpurchasinginBeijing-TianjinArea.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。CertificatesandDocumentsNeededIdentificationpaperNotarizationofChinesenameorworkinglicense

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

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PurchaseFundTheirownfundsLoansofbanks,bothChinesebanksandforeignbanksareallowed●Appraisalisrequiredbythebank(optionbythebuyer)

●Currency:foreigncurrencyandRenminbiareallacceptable(itisrecommendedtochooseRenminbitoavoidexchangeraterisk)●Loanrate:foreignersareequaledwithChineseoninterestrate,whichisinaccordancewithregulationsofPeople'sBankofChinaonloanrateofindividualhousing.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PaymentCurrencyofpayment:RenminbiTwoways

●Inwardremittancefromabroad●FromforeigncurrencyaccountinChinaSpecialcircumstances:realestatetransactionscannotbefinishedbecauseofthereasonsthat……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。TaxesandFeesTypesoftaxesandfees(threekindsoftaxesandfourtypesofdues)“ThreeTaxes”:UrbanHouseTax,DeedTaxandStTax.TaxrateforforeignersandChinesearethesame.A.UrbanHouseTaxB.DeedTaxC.StTax“FourFees”:PropertyRegistrationFee,Housing-purchaseServiceFee,HousingMappingFeeandContractAppraisalFee.TaxesandFeesshouldbepaidbeforethepropertyregistration.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。

PropertyRegistrationandOwnershipCertificateTakeTianjinasexlesincetherequirementsinothercitiesaresimilar.ForeignersapplyingtheregistrationshouldsubmitI.Dcardorpassport.Chinesebranchesandagenciesofforeigninstitutionsapplyingfortheregistrationarerequiredtosubmittheirregistrationcertificate.CompaniesandotherinstitutionsregisteredabroadandinHongKong,MacaoandTaiwanAreaapplyingfortheregistrationshouldsubmittheregistrationcertificate.Chineseeditionarerequiredtoenclosedwhentheapplyingdocumentsarewrittenbyforeignlanguages.Partiesabroadapplyingfortheregistrationshouldalsodealwithnotarizationorauthenticationproceduresinaccordancewithrelevantregulationsandsubmitrelevantcertificatesanddocuments.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》Chineserelevantlaws,regulationsandpoliciesreferredIncluding,butnotlimitedto“LawofthePeople'sRepublicofChinaonAdministrationoftheUrbanRealEstate”“OpinionConcerningRegulatingtheAccesstoandAdministrationofForeignInvestmentintheRealEstateMarket”“NoticeConcerningRegulatingProblemsRelatingtoForeignCurrencyManagementintheRealEstateMarket”“Opinionconcerningadjustinghousingsupplyingstructureandstabilizinghousingprice”“NoticeofBureauofLandResourcesandHousingManagementofTianjinMunicipalityConcerningProblemsRelatingtotheCommercialHousingPurchaseofForeignInstitutions,Foreigners,HongKong,MacaoandTaiwanResidentsandOverseasChineseinTianjin”“Notice