| 作者 |
 [问题]向各位请教： 外国人可否在上海买房，可否向中资银行贷款？ 有相关的政策规定吗？ 多谢！！！ |
 |
| 所跟贴 |
[问题]向各位请教： 外国人可否在上海买房，可否向中资银行贷款？ 有相关的政策规定吗？ 多谢！！！ -- 飘HOME过客 - (0 Byte) 2006-5-03 周三, 14:38 (2531 reads) |
richfamous
头衔: 海归中士
性别:  年龄: 39
加入时间: 2006/04/16
文章: 10
海归分: 719
|
|
|
作者：richfamous 在 海归商务 发贴, 来自【海归网】 http://www.haiguinet.com
Buying property in Shanghai is relatively easy - I've been through it twice.
You have two options - the first is to use a foreign bank (HSBC for example).
Option 1
The document requirements are onerous though for HSBC.
You'll need 6 months of tax certificates for your salary. Statements from your employer that you earn xxxx. Bank statements supporting that and a whole bunch of other stuff.
The interest rates offered are quite low though (2 - 3%), and they offer payment in other currencies.
Be warned - if you do choose to pay in USD with a foreign bank, the money must come in from oversea's - you can't just deposit it in the bank locally and let it get deducted. I've had friends caught out by that.
Option 2
The second option is to use the Bank of China. Interest rates are a little higher (5% or so), but their document requirements are:
1) Passport (or other identifying document)
2) The deposit.
A *lot* easier paperwork wise. Sign here, here and here, give the seller the deposit, and its yours (pending transfer)
I can give you my Bank of China guy's contact number. Pretty friendly, and helpful.
Deposits
For new apartments the deposit is 20%.
For second hand apartments the deposit is 30%.
Up until last year they had a wonderful scheme where if you bought an apartment you could claim back any income tax you paid into the mortgage. This was wonderful. Unfortunately now thats finished
Transfer Costs
Budget another 20,000-30,000RMB for transfer costs and other paperwork costs (compulsory insurance etc). (Depends on the price of your apt).
Other
I highly recommend you involve someone who is familiar with the process other than the Bank guy. At least get someone to look over the purchase contract and ensure that the seller isn't trying to rip you off over some small item.
Make sure that the contract states that all bills and management fee's are paid up to date, and that you are liable for them from the date of transfer, not before. Make sure that the seller gives you all the registration paperwork for the utilities (if he has registered them). You'll need these to tranfer them into your own name.
I can recommend a friend for that.
If you need contact details, please contact me directly via email
If you have any other questions, ask away.
作者：richfamous 在 海归商务 发贴, 来自【海归网】 http://www.haiguinet.com
|
|
|
| 返回顶端 |
|
 |
|
| |
|
|
|
您不能在本论坛发表新主题, 不能回复主题, 不能编辑自己的文章, 不能删除自己的文章, 不能发表投票, 您 不可以 发表活动帖子在本论坛, 不能添加附件不能下载文件, |
|
|
