How do China people live and buy a house in Denmark?

China people can choose to invest in immigration or get permanent residency by marrying Danes, and then they can buy a house.

Details are as follows:

1. Bank deposit certificate is required.

You need a passport.

3, change the local currency Danish kroner.

4. Document signature. Quotation, purchase documents and ownership transfer all need to be signed.

5, the embassy authorized. You must go to the consulate to get authorization.

Extended data:

When buying a house in Denmark, the choice of living space is very important. For example, in Fredericksburg, a small "Manhattan" in Copenhagen, there are few houses and high prices.

In 2009, I took a fancy to an 80-square-meter two-bedroom and one-bedroom apartment with balcony in a high-rise apartment in this area. Because the house price was at a low point at that time, the total price of that house was about 654.38+0.79 million Danish kroner. Although the house decoration is old, because the house price is attractive, the people who look at the house are still in an endless stream, and the buyer's quotation is also rising.

Copenhagen has many jurisdictions, a wide range of choices, and large differences in housing prices. We once considered buying a house downtown. However, in some areas, such as Noerebo district, public security is chaotic, and robbery and shooting cases occur from time to time; There are so-called "slums" in Wahrby.

Because of different regions, the personal income tax rate is also different. For example, if you buy a house in the center of Copenhagen, the tax deducted from your monthly salary is two percentage points higher than if you live in Fredericksburg.

In the so-called "rich areas" with good environment and public security, such as tofte, Hellerup, Charlottenlund and Limbi, good houses are too expensive, cheap houses are too old and maintenance costs are too high. In short, you must pay more attention to finding a cost-effective house.

Buying a house in Denmark can be negotiated with an intermediary, and private houses can generally be negotiated. But if the bank repossesses the house, the price will be hard to talk about. It should be noted here that houses in Denmark have full property rights and semi-property rights.

The so-called semi-property right means that the purchaser only has the right to use the house. The price of this kind of house is relatively low, and it is necessary to pay property tax, not property tax. If foreigners in Denmark get short-term work visas, banks refuse to provide loans, which also increases the difficulty of buying full-property houses. Therefore, it is very important to make a house purchase plan according to the actual situation of individuals.

In addition, the sale of villas in Denmark needs to provide buyers with a "housing quality report". It includes the evaluation of housing conditions and the estimation of maintenance costs. If the property buyers are not at ease, they can also ask the housing appraisal company to do the appraisal at their own expense. This kind of housing appraisal report is also an important basis for bargaining when buying a house.

It is also an effective way to hire a local lawyer to buy a house. The lawyer will be responsible for examining whether all relevant documents of the house are true and valid, and cutting some clauses in the house purchase contract. At the same time, it will also analyze whether the house price is reasonable and can bargain again for customers. If the house price is too high or there are hidden quality problems, the lawyer will suggest terminating the purchase. In this case, you only need to pay the lawyer's consultation fee.

After choosing a house, the next problem is the loan. As for how to borrow money, who to borrow money from and the choice of interest rate, all aspects need to be considered. Generally speaking, the interest rate of mortgage companies is relatively low, but they can only borrow 80% of the house price at most.

Borrowers can get full loans from banks through credit evaluation, but the disadvantage is that the interest rate of banks is relatively high. For example, at the beginning of 20 1 1, the one-year floating interest rate of the mortgage company was less than 2%, the fixed interest rate was 4%, and the bank loan interest rate was around 8%.

Due to the high interest rate of banks, Danes usually choose a combination of mortgage companies and banks to get full loans for buying houses. Specifically, 80% of the house purchase funds are loaned by mortgage companies, and the remaining 20% are loaned by banks. These two loan methods complement each other. Both mortgage companies and bank loans can choose fixed interest rates or floating interest rates.

Under the current bad economic situation in Europe, the floating interest rate will be lower, but at the same time, the risk of floating interest rate changes is also greater. Generally speaking, the term of a mortgage company's fixed-rate loan is 30 years. When making a loan, you can choose to repay only the interest and not the principal in the first 10 year, so that the repayment burden in the first 10 year is relatively light. Many families choose this way to repay the bank loans with higher interest before 10.

Buyers can also enjoy tax exemption for the monthly expenses for repaying loan interest, that is, the wage income for repaying mortgage interest does not need to pay personal income tax. Then, when the rent of renting a house is equal to the repayment amount of buying a house, buying a house is more attractive than renting a house in terms of the actual expenditure of housing.

Ministry of Foreign Affairs of People's Republic of China (PRC)-What should China citizens know when they go to Denmark?