What are the requirements for purchasing overseas real estate?

There are more and more people applying to buy a house overseas, so what conditions do you need to buy a house overseas? What's the difference between different countries? This is a concern of many people who go abroad. Let's take a look at it with the overseas immigration network! The following is the relevant information I have compiled. Welcome to reading.

Overseas real estate purchase conditions

American real estate is not limited to purchase.

As far as the qualification of buying a house is concerned, the United States does not restrict foreigners from buying a house in the United States, and there is no restriction on the number of sets. As far as loans are concerned, foreigners can borrow money to buy a house in the United States, but the application conditions are stricter than those of locals. The maximum loan ratio is 60%, and for foreigners, loans are generally not accepted for properties below $300,000.

Spain's loan is difficult.

There is no limit on the number of houses and houses in Spain, but the loan application conditions are relatively strict. In theory, anyone can borrow 60%-70%, but China people can only borrow 30%, and loans are not allowed for investment immigration projects with 500,000 euros.

Unlimited British real estate

Britain has no restrictions on non-nationals buying houses and enjoys the same treatment as locals.

There are no specific provisions on loans. Under normal circumstances, there are two restrictions on housing loans in Britain, that is, the total amount of loans is less than 4-5 times the annual income before tax; At the same time, the loan ratio cannot exceed a certain proportion of the house price.

Generally speaking, if the house price is 654.38+00,000 yuan, if the loan ratio stipulated by the policy is 80%, then you can borrow up to 800,000 yuan.

Canada has a large loan for buying a house.

Investment immigrants from Quebec, the Commonwealth and Saskatchewan have nothing to do with real estate. Foreigners who buy loans in Canada can get up to 60%~65% loans from banks; The loan interest is lower than that in China, so many China investors who buy houses in Canada will choose bank loans, and the down payment is around 50%, so the loan cost and down payment pressure are less than that in China.

New Zealand is also not limited to buying.

In New Zealand, there are basically no restrictions on foreigners buying houses locally. In terms of loans, foreigners can also borrow money to buy a house in New Zealand, with a maximum loan ratio of 70%.

Australia can only buy new houses.

The Australian government encourages foreigners to invest in their own real estate. For residential real estate, foreigners can only buy brand-new residential projects. In Australia, they can only pay 65,438+00% down payment for buying a house loan and 20%~30% for buying an existing house. There is no requirement to limit purchases and loans. The loan interest rate is the same as that of domestic residents, and the repayment method is flexible. In the first five years, lenders were only allowed to repay the principal and interest.

For commercial real estate, industrial real estate, etc. , there is no new and old purchase restriction; In addition, the highest loan ratio in Australia is 80%.

Overseas Singaporeans can only buy apartments.

Foreigners or permanent residents can buy private apartment buildings, apartments that have lived for more than ten years, villas and townhouses on Sentosa Island in Singapore.

Singapore apartments can only be purchased by citizens and permanent residents. Only Singaporean citizens can buy detached houses, semi-detached houses and townhouses with land.

If you borrow money to buy a house in Singapore, banks usually allow foreigners to get a loan equivalent to 70% of the purchase price of the existing house.

France whose income depends on mortgage.

In France, there are no hard and fast rules for foreigners to buy new or second-hand houses, and there is no mandatory down payment requirement. But there is a restriction, that is, in terms of loans, a person's repayment ability cannot exceed 33% of his after-tax salary.