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)

RealEstateTransactionsofForeignersinChinaPRESENTEDBY:RealEstateServiceCommitteeOfTianjinBarAssociation天津市律師協(xié)會(huì)房地產(chǎn)業(yè)務(wù)委員會(huì)編輯ppt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同物業(yè)公司簽訂物業(yè)管理合同辦理房屋交付手續(xù)完成產(chǎn)權(quán)設(shè)立或過戶手續(xù)編輯pptGeneralProceduresCheckthelicensesforhouse-sellingofdevelopersHouse-purchaseinquirySignthepurchaseletterandpaythedepositSignthecontractsNotarizethehouse-purchaseTradingcenterforpre-saleregistrationandsettlement(pre-salesecond-handhousingtransactionsarenotrequiredtoregister,butmustbeapprovedbySecurityBureauofthepurchaseplace)PaythepurchasewithforeignexchangeaccountinsideoroutsideofChinaSignthepropertymanagementcontractwithpropertymanagementcompanyHousingdeliverySetuppropertyrightsorfinishescrowprocedures

編輯ppt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編輯ppt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(tái)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。編輯pptRequirementforRealEstateTransactionsBuyers’qualifications:Chinesebranchesandagenciesofexternalinstitutions(exceptforrealestatecompanies),foreignersworkingorstudyinginChinaoveroneyear,HongKong,MacaoandTaiwanresidentsandoverseasChinese.Typeofhousing:commercialhousing(publichousingandeconomicalhousingarenotallowedtopurchase)

Purchasepurposes:personaluseReal-namerequirement

：(bothChinesenameandforeignname),validcertificatearealsorequired(certificateofChina’sratificationofforeignersworkingandstudyinginChina)Specialnote:atpresent,itissuspendedthatthepolicyofrestrictionsonforeigners’transactionrequirementswhichareresidentialtimeandthenumberofhousingpurchasinginBeijing-TianjinArea.編輯ppt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(tái)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。編輯pptCertificatesandDocumentsNeededIdentificationpaperNotarizationofChinesenameorworkinglicense

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

編輯ppt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(píng)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)行編輯pptPurchaseFundTheirownfundsLoansofbanks,bothChinesebanksandforeignbanksareallowed●Appraisalisrequiredbythebank(optionbythebuyer)

●Currency:foreigncurrencyandRenminbiareallacceptable(itisrecommendedtochooseRenminbitoavoidexchangeraterisk)●Loanrate:foreignersareequaledwithChineseoninterestrate,whichisinaccordancewithregulationsofPeople'sBankofChinaonloanrateofindividualhousing.編輯ppt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編輯pptPaymentCurrencyofpayment:RenminbiTwoways

●Inwardremittancefromabroad●FromforeigncurrencyaccountinChinaSpecialcircumstances:realestatetransactionscannotbefinishedbecauseofthereasonsthat……編輯ppt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(cè)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。編輯pptTaxesandFeesTypesoftaxesandfees(threekindsoftaxesandfourtypesofdues)“ThreeTaxes”:UrbanHouseTax,DeedTaxandStampTax.TaxrateforforeignersandChinesearethesame.A.UrbanHouseTaxB.

DeedTaxC.StampTax“FourFees”:PropertyRegistrationFee,Housing-purchaseServiceFee,HousingMappingFeeandContractAppraisalFee.TaxesandFeesshouldbepaidbeforethepropertyregistration.編輯ppt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(qǐng)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(qǐng)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(tái)地區(qū)登記注冊(cè)的法人或者其他組織申請(qǐng)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(qǐng)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(qǐng)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。

編輯pptPropertyRegistrationandOwnershipCertificateTakeTianjinasexamplesincetherequirementsinothercitiesaresimilar.ForeignersapplyingtheregistrationshouldsubmitI.Dcardorpassport.Chinesebranchesandagenciesofforeigninstitutionsapplyingfortheregistrationarerequiredtosubmittheirregistrationcertificate.CompaniesandotherinstitutionsregisteredabroadandinHongKong,MacaoandTaiwanAreaapplyingfortheregistrationshouldsubmittheregistrationcertificate.Chineseeditionarerequiredtoenclosedwhentheapplyingdocumentsarewrittenbyforeignlanguages.Partiesabroadapplyingfortheregistrationshouldalsodealwithnotarizationorauthenticationproceduresinaccordancewithrelevantregulationsandsubmitrelevantcertificatesanddocuments.編輯ppt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(chǎng)外資準(zhǔn)入和管理的意見》《關(guān)于規(guī)范房地產(chǎn)市場(chǎng)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?jī)r(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(tái)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(huì)等七部門關(guān)于促進(jìn)我市房地產(chǎn)市場(chǎng)健康發(fā)展若干意見的通知》《關(guān)于對(duì)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》編輯pptChineserelevantlaws,regulationsandpoliciesreferredIncluding,butnotlimitedto“LawofthePeople'sRepublicofChinaonAdministrationoftheUrbanRealEstate”“OpinionConcerningRegulatingtheAccesstoandAdministrationofForeignInvestmentintheRealEstateMarket”“NoticeConcerningRegulatingProblemsRelatingtoForeignCurrencyManagementintheRealEstateMarket”“Opinionconcerningadjustinghousingsupplyingstructureandstabilizinghousingprice”“NoticeofBureauofLandResourcesandHousingManagementofTianjinMunicipalityConcerningProblemsRelatingtotheCommercialHousingPurchaseofForeignInstitutions,Foreigners,HongKong,MacaoandTaiwanResidentsandOverseasChineseinTianjin”“NoticeofGeneralOfficeofPeople'sGovernmentofTianjinMunicipalityonForwardingOpinionsofCommitteeofMunicipalandRuralConstruction,TrafficCommitteeandOtherFiveGovernmentalDepartmentsConcerningProm