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外籍人士在华购房置业之法律实务 Real Estate Transactions of Real Estate Transactions of Foreigners in ChinaForeigners in ChinaPRESENTED BY:Real Estate Service Committee Of Tianjin Bar Association天津市律天津市律师协会师协会房地房地产业务产业务委委员会员会确认开发商售楼是否有合法文件确认开发商售楼是否有合法文件购房查询购房查询签订认购书并交定金签订认购书并交定金签订预售合同或买卖合同签订预售合同或买卖合同办理购房公证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）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同物业公司签订物业管理合同办理房屋交付手续办理房屋交付手续完成产权设立或过户手续完成产权设立或过户手续Check the licenses for house-selling of developersHouse-purchase inquiry Sign the purchase letter and pay the deposit Sign the contracts Notarize the house-purchaseTrading 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 ChinaSign the property management contract with property management companyHousing deliverySet up property rights or finish escrow procedures 签署申请表签署申请表END签约流程图签约流程图咨询咨询签约签约报评估报评估审查审查报银行报银行批贷批贷公证处办理强制执行公证公证处办理强制执行公证通知过户通知过户放款冻结放款冻结办理抵押登记手续办理抵押登记手续领他项权利证领他项权利证银行解冻银行解冻ENDEND签署借款合同签署借款合同签署借款借据签署借款借据签署投保单签署投保单签署买卖合同签署买卖合同签署抵押登记申请表签署抵押登记申请表签署公司委托代理合同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）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买商品房的条件 购房人的资格购房人的资格：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。澳台居民和华侨。购房类型购房类型：商品房（不可以购买公房和经济适用房）商品房（不可以购买公房和经济适用房）购房用途购房用途：自用、自住自用、自住 采取实名制采取实名制（同时注明中文和外文姓名），并持有效证明（中国（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）批准来中国工作、学习的证明）特别提示特别提示：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。购房所需的居住年限和所购房屋数量的政策。Requirement for Real Estate TransactionsBuyers 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 useReal-name requirement：(both Chinese name and foreign name),valid certificate are also required(certificate of Chinas 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、文书所需证件、文书 身份证明身份证明 译名公证译名公证或或工作证工作证 有效居住证证件有效居住证证件（需同时注有中文及外文姓名）（需同时注有中文及外文姓名）向国外及港澳台人员租、售房屋审批表向国外及港澳台人员租、售房屋审批表 委托书委托书 以上证件、文书非中文书写的文件，需到具有翻以上证件、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。关公证，且经中国驻该国使、领馆认证。Certificates and Documents NeededIdentification paperNotarization 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 residentsPower of AttorneyCertificates,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.购房资金购房资金 自有资金自有资金 银行贷款银行贷款，可向，可向外国银行或中国银行外国银行或中国银行贷款贷款 评估由银行来执行（选择权由购买者来决评估由银行来执行（选择权由购买者来决定定)币种：外币或人民币（可选择，建议选择币种：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）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待遇，按照中国人民银行规定的个人住房贷款利率执行率执行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 Peoples Bank of China on loan rate of individual housing.购房款结汇购房款结汇&支付支付 支付币种：人民币支付币种：人民币 两种方式两种方式 从境外汇入从境外汇入 从境内外汇账户支付从境内外汇账户支付 特殊情况特殊情况：因故不能完成商品房交易的情形：因故不能完成商品房交易的情形PaymentCurrency of payment:RenminbiTwo ways Inward remittance from abroad From foreign currency account in ChinaSpecial circumstances:real estate transactions cannot be finished because of the reasons that税税 费费 税费种类税费种类（三税四费（三税四费）“三税三税”：外商投资企业、境外机构设立代表处或分支机构：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、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。印花税。购房所交纳的税率，与中国国民交纳的相同。A.城市房产税城市房产税：B.契税：契税：C.印花税：印花税：“四费四费”：产权登记费产权登记费、住房交易手续费住房交易手续费、房产测绘费房产测绘费、合合同鉴证费同鉴证费 上述税款于办理产权登记前缴纳。上述税款于办理产权登记前缴纳。Taxes and FeesTypes 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 TaxB.Deed TaxC.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权属登记及产权证件办理以天津市为例，其他省市类似。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。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。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。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、文件续并且提交相关的证件、文件。Property Registration and Ownership CertificateTake 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参考中国的相关法律法规及政策包括但不限于：包括但不限于：中华人民共和国城市房地产管理法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中华人民共和国房屋登记办法 商品房销售管理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中国人民银行个人住房贷款管理办法 Chinese relevant laws,regulations and policies referredIncluding,but not limited to “Law of the Peoples 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 Peoples 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 Peoples Republic of China”“Measurements for Management of Commodity Housing selling”“Measurements of Peoples Bank of China on management of Personal Housing Loan”Real Estate Service Committee Of Tianjin Bar Association谢谢大家！Thank you very much!谢谢观看/欢迎下载BY FAITH I MEAN A VISION OF GOOD ONE CHERISHES AND THE ENTHUSIASM THAT PUSHES ONE TO SEEK ITS FULFILLMENT REGARDLESS OF OBSTACLES.BY FAITH I BY FAITH