外籍人士在華購房置業(yè)之法律實(shí)務(wù)RealEstateTr

1、外籍人士在華購房置業(yè)之法律實(shí)務(wù) Real Estate Transactions of Foreigners in ChinaPRESENTED BY:Real Estate Service Committee Of Tianjin Bar Association天津市律師協(xié)會(huì)房地產(chǎn)業(yè)務(wù)委員會(huì)總體流程程確認(rèn)開發(fā)發(fā)商售樓樓是否有有合法文文件購房查詢?cè)兒炗喺J(rèn)購購書并交交定金簽訂預(yù)售售合同或或買賣合合同辦理購房房公證交易中心心辦理預(yù)預(yù)售登記記備案并并結(jié)匯（二手房房買賣不不需預(yù)售售登記，但須報(bào)報(bào)購房地地安全局局審批同同意）從境外或或境內(nèi)外外匯帳戶戶支付購購房款同物業(yè)公公司簽訂訂物業(yè)管管理合同同辦理房屋

2、屋交付手手續(xù)完成產(chǎn)權(quán)權(quán)設(shè)立或或過戶手手續(xù)General ProceduresCheckthelicensesfor house-sellingofdevelopersHouse-purchaseinquirySign thepurchaseletterand paythedepositSign thecontractsNotarizethehouse-purchaseTrading centerforpre-saleregistration andsettlement (pre-salesecond-handhousing transactionsarenot required to regi

3、ster,butmustbeapprovedbySecurityBureauofthe purchase place)Paythe purchase withforeignexchangeaccount insideoroutside of ChinaSign thepropertymanagement contract withpropertymanagementcompanyHousing deliverySetuppropertyrights or finishescrowprocedures簽署申請(qǐng)表END簽約流程圖咨詢簽約報(bào)評(píng)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

4、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(qǐng)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品房的條條件購房人的的資格：境外機(jī)構(gòu)構(gòu)的在華華分支機(jī)機(jī)構(gòu)和代代表機(jī)構(gòu)構(gòu)（房地地產(chǎn)企業(yè)業(yè)除外）；在中中國境內(nèi)內(nèi)工作、學(xué)習(xí)時(shí)時(shí)間超過過一年的的境外個(gè)個(gè)人；港港澳臺(tái)居居民和華華僑。購房類型型：商品房（不可以以購買公公房和經(jīng)經(jīng)濟(jì)適用用房）購房用途途：自用、自自住采取實(shí)名名制（同時(shí)注注明中文文和外文文姓名），并持持有效證證明（中中國批準(zhǔn)準(zhǔn)

5、來中國國工作、學(xué)習(xí)的的證明）特別提示示：目前，京京津地區(qū)區(qū)已經(jīng)暫暫停執(zhí)行行限制外外籍人士士在該地地區(qū)購房房所需的的居住年年限和所所購房屋屋數(shù)量的的政策。RequirementforRealEstateTransactionsBuyers qualifications:Chinese branches andagenciesofexternalinstitutions(exceptforrealestatecompanies),foreignersworking or studying in China overone year, HongKong,Macaoand Taiwanresident

6、sand overseas Chinese.Type of housing:commercial housing(publichousing andeconomical housingare notallowed to purchase)Purchasepurposes:personaluseReal-namerequirement：(bothChinese nameand foreignname), valid certificate arealso required (certificateofChinas ratificationofforeigners workingand study

7、ing in China)Special note:atpresent,itissuspendedthatthepolicy of restrictionsonforeignerstransactionrequirementswhichare residential timeand thenumberofhousingpurchasing in Beijing-TianjinArea.所需證件件、文書書身份證明明譯名公證證或工作證有效居住住證證件件（需同時(shí)時(shí)注有中中文及外外文姓名名）向國外及及港澳臺(tái)臺(tái)人員租租、售房房屋審批批表委托書以上證件件、文書書非中文文書寫的的文件，需到具具有翻譯譯資格的

8、的翻譯公公司翻譯譯，應(yīng)同同時(shí)附經(jīng)經(jīng)公證和和認(rèn)證的的中文譯譯本，程程序：經(jīng)經(jīng)該外籍籍人士所所在國公公證機(jī)關(guān)關(guān)公證，且經(jīng)中中國駐該該國使、領(lǐng)館認(rèn)認(rèn)證。Certificatesand DocumentsNeededIdentificationpaperNotarizationofChinesename or workinglicenseValidresidencepermit(bothChinese nameand foreignname)Approvalform forhousing rentand purchase withforeignersandHongKong,MacaoandTaiwan

9、 residentsPowerofAttorneyCertificates, documentsandothernon-Chinesepapers shouldbetranslated by qualifiedtranslationcompaniesand be enclosed thenotarizedand authenticatedChineseedition.Procedures:firstly,notarizationfromthehostcountry of theforeigner, secondly,theauthenticationofChineseEmbassy in th

10、atcountry.購房資金金自有資金金銀行貸款款，可向外國銀行行或中國國銀行貸款評(píng)估由由銀行來來執(zhí)行（選擇權(quán)權(quán)由購買買者來決決定)幣種：外幣或或人民幣幣（可選選擇，建建議選擇擇人民幣幣貸款，這樣不不必考慮慮外幣與與人民幣幣之間的的轉(zhuǎn)換，避免匯匯率的變變動(dòng)）貸款利利率：外外籍人士士享受與與中國人人相同的的待遇，按照中中國人民民銀行規(guī)規(guī)定的個(gè)個(gè)人住房房貸款利利率執(zhí)行行PurchaseFundTheirownfundsLoansofbanks, bothChinesebanksandforeignbanksareallowedAppraisalisrequiredbythe bank(option

11、bythebuyer)Currency:foreigncurrencyandRenminbiare allacceptable (itisrecommendedtochooseRenminbitoavoidexchangeraterisk)Loan rate: foreignersare equaledwithChinese on interest rate, which is in accordancewithregulationsofPeoplesBank of China on loanrateofindividual housing.購房款結(jié)結(jié)匯&支付支付幣種種：人民民幣兩種方式式從境

12、外匯匯入從境內(nèi)外外匯賬戶戶支付特殊情況況：因故不不能完成成商品房房交易的的情形PaymentCurrencyofpayment:RenminbiTwowaysInwardremittancefrom abroadFrom foreigncurrencyaccountinChinaSpecial circumstances: realestate transactionscannotbefinishedbecauseofthereasonsthat稅費(fèi)費(fèi)稅費(fèi)種類類（三稅四四費(fèi)）“三稅”：外商商投資企企業(yè)、境境外機(jī)構(gòu)構(gòu)設(shè)立代代表處或或分支機(jī)機(jī)構(gòu)和外外國個(gè)人人在境內(nèi)內(nèi)購買房房產(chǎn)，主主要繳納納城市房房

13、產(chǎn)稅、契稅、印花稅稅。購房房所交納納的稅率率，與中中國國民民交納的的相同。A.城市房產(chǎn)產(chǎn)稅：B.契稅：C.印花稅：“四費(fèi)”：產(chǎn)權(quán)登記記費(fèi)、住房交易易手續(xù)費(fèi)費(fèi)、房產(chǎn)測(cè)繪繪費(fèi)、合同鑒證證費(fèi)上述稅款款于辦理理產(chǎn)權(quán)登登記前繳繳納。TaxesandFeesTypesoftaxesandfees(threekindsoftaxesand fourtypesofdues)“ThreeTaxes”: Urban House Tax,DeedTaxand Stamp Tax.Tax ratefor foreignersand Chineseare thesame.A.UrbanHouseTaxB.Deed Ta

14、xC.StampTax“Four Fees”:PropertyRegistrationFee,Housing-purchase ServiceFee,Housing MappingFee andContractAppraisalFee.TaxesandFeesshouldbepaidbeforethe property registration.權(quán)屬登記記及產(chǎn)權(quán)權(quán)證件辦辦理以天津市市為例，其他省省市類似似。外國人申申請(qǐng)登記記的，應(yīng)應(yīng)當(dāng)向登登記機(jī)構(gòu)構(gòu)提交身身份證或或者護(hù)照照。外國國企業(yè)駐駐國內(nèi)機(jī)機(jī)構(gòu)申請(qǐng)請(qǐng)登記的的，應(yīng)當(dāng)當(dāng)向登記記機(jī)構(gòu)提提交代表表機(jī)構(gòu)登登記證。在外國和和港澳臺(tái)臺(tái)地區(qū)登登記注冊(cè)冊(cè)的法

15、人人或者其其他組織織申請(qǐng)登登記的，應(yīng)當(dāng)向向登記機(jī)機(jī)構(gòu)提交交有關(guān)的的登記證證明。申請(qǐng)登記記文件是是外文的的，應(yīng)當(dāng)當(dāng)同時(shí)提提交中文文譯本。境外當(dāng)事事人申請(qǐng)請(qǐng)房地產(chǎn)產(chǎn)登記的的，還應(yīng)應(yīng)當(dāng)按相相關(guān)規(guī)定定辦理公公證或者者認(rèn)證手手續(xù)并且且提交相相關(guān)的證證件、文文件。PropertyRegistrationand OwnershipCertificateTake Tianjinasexamplesincetherequirements in other citiesaresimilar.Foreigners applying theregistrationshould submitI.Dcardorpassp

16、ort.Chinesebranchesandagenciesofforeigninstitutionsapplyingfor theregistrationare required to submittheirregistrationcertificate.Companiesand other institutionsregistered abroadandinHongKong,MacaoandTaiwan Areaapplyingfor theregistrationshould submittheregistration certificate.Chinese editionare req

17、uired to enclosed whenthe applying documentsarewrittenbyforeign languages.Parties abroadapplyingforthe registrationshouldalsodeal withnotarization or authentication proceduresinaccordancewith relevant regulations andsubmitrelevantcertificates anddocuments.參考中國國的相關(guān)關(guān)法律法法規(guī)及政政策包括但不不限于：中華人民民共和國國城市房房地產(chǎn)管管理

18、法關(guān)于規(guī)范范房地產(chǎn)產(chǎn)市場(chǎng)外外資準(zhǔn)入入和管理理的意見見關(guān)于規(guī)范范房地產(chǎn)產(chǎn)市場(chǎng)外外匯管理理有關(guān)問問題的通通知關(guān)于調(diào)整整住房供供應(yīng)結(jié)構(gòu)構(gòu)穩(wěn)定住住房?jī)r(jià)格格的意見見天津市國國土資源源和房屋屋管理局局關(guān)于境境外機(jī)構(gòu)構(gòu)境外個(gè)個(gè)人、港港澳臺(tái)地地區(qū)居民民、華僑僑在我市市購買商商品房有有關(guān)問題題的通知知天津市人人民政府府辦公廳廳轉(zhuǎn)發(fā)市市城鄉(xiāng)建建設(shè)和交交通委員員會(huì)等七七部門關(guān)關(guān)于促進(jìn)進(jìn)我市房房地產(chǎn)市市場(chǎng)健康康發(fā)展若若干意見見的通知知關(guān)于對(duì)外外資企業(yè)業(yè)及外籍籍個(gè)人征征收房產(chǎn)產(chǎn)稅有關(guān)關(guān)問題的的通知中華人民民共和國國房屋登登記辦法法商品房銷銷售管理理辦法中國人民民銀行個(gè)個(gè)人住房房貸款管管理辦法法Chinese relev

19、ant laws, regulations andpoliciesreferredIncluding, butnotlimitedto“Law of thePeoplesRepublicofChinaonAdministrationoftheUrbanRealEstate”“OpinionConcerning Regulatingthe AccesstoandAdministrationofForeignInvestment in theReal EstateMarket”“Notice ConcerningRegulatingProblemsRelatingtoForeign Currenc

20、y Managementinthe RealEstate Market”“Opinionconcerning adjustinghousing supplyingstructureand stabilizing housingprice”“Notice of BureauofLand ResourcesandHousingManagement of TianjinMunicipality ConcerningProblemsRelatingtothe CommercialHousingPurchaseofForeign Institutions,Foreigners,HongKong,MacaoandTaiwan Resid