What are the restrictions on buying a house in various countries? Where is the best place to buy a house in New Zealand?

Judging from buying a house in the United States, foreigners are not restricted in buying a house in the United States, and there is no limit on the number of families. From the perspective of loans, foreigners can also borrow money to buy a house in the United States, but the application qualification is more demanding than that of locals. The maximum loan ratio is 60%, and foreigners generally do not accept loans for properties below $300,000.

Only foreigners who buy a house in Australia can buy a brand-new residential project. In Australia, they can only pay 65,438+00% down payment when buying an apartment in advance, and 20%~30% when buying an existing house. There is no need to limit purchases and loans. The loan interest rate is the same as that of families in this country, and the repayment method is convenient, allowing the lender to pay only the interest but not the principal for the first five years. But for commercial real estate, there is no new and old purchase restriction policy for commercial real estate; In addition, the highest loan ratio in Australia is 80%.

It is almost impossible for major Australian financial institutions to lend to China citizens for a long time, but some non-bank lending institutions can. It will be difficult for China citizens to obtain loans if they are building houses with loans, buying idle land, building houses on land or enterprises with a total area of less than 50 square meters. Although the current loan policy is complicated, as long as some artistic creativity is added, the loan amount can be maximized.

There are no restrictions on buying a house in Britain. At the level of buying a house, there are no restrictions on non-nationals and they enjoy the same treatment as locals. The loan level is not clearly defined. Under normal circumstances, there are two restrictions on housing loans in Britain, that is, the total amount of loans is within 4-5 times of the annual pre-tax income of families; At the same time, the loan ratio shall not exceed a certain proportion of the house price. Generally speaking, if the house price is 654.38+00,000, and if the policy loan ratio is 80%, then I can borrow 800,000 more.

Canada is the best loan to buy a house. Quebec, federal and Saskatchewan immigrant investment has nothing to do with real estate. Foreigners can get a loan of 60%~65% from the bank when they buy a house in Canada. The loan interest is less than that in China, so many China investors who buy houses in Canada choose financial institutions for loans. The down payment is about 50%, and the loan cost and down payment pressure are lower than those in China. From August 2, 20 16, British Columbia government departments will levy 15% property management transfer tax on foreign personal financial investment and enterprise investment.

Singapore citizens can buy a house. Foreigners or permanent residents need to buy individual apartment buildings in Singapore, apartment buildings, single-family villas and townhouses that have lived in Sentosa Island for more than ten years. Singapore apartments can only be purchased by citizens and permanent residents. Garden houses with integrated land, semi-integrated garden houses and townhouses are only needed by Singapore citizens. If you borrow money to buy a house in Singapore, financial institutions generally allow foreigners to get a loan equivalent to 70% of the listing price of a prospective home at most.

JimRohrstaff from LegacyRealtyPartners, another real estate agency in Auckland, said that international buyers will buy typical real estate, which is generally located in the suburbs, such as Miao La, HerneBay, parnell and StMary'sBay, which are close to good schools, restaurants and business districts.

Some people may think that as a rural island country of a former British colony, lifeless people are welcome. Jacqui's point of view tries to clarify this prejudice: "The islands here are becoming more and more exquisite, and many places are full of specialty foods, large shopping malls and nightclubs. New Zealand will no longer have only sheep and rolling hills. "