Ascending posture! Students from all countries have these benefits when applying for loans to buy a house.

International students living abroad will feel much safer if they can have their own houses. Then, what kind of discount does the state provide to international students when they apply for loans to buy a house? Let's tell everyone below.

Canada: International students have to pay a 35% down payment to buy a house.

In Canada, the loan interest rate for buying a house is very low. If you rent a house, the expenses include rent, electricity and insurance. The cost of renting a house adds up to almost the cost of providing a house. If you buy a small apartment with independent property rights, the monthly payment may be lower than the rent.

International students have no local status. Can they apply for a loan if they want to buy a house? Is there a down payment requirement? Usually, when international students apply for loans, banks often define the status of international students as "non-residents". As a "non-resident", banks usually have no way to check the credit records of international students, so banks have requirements for the down payment of "non-residents". Banks usually require "non-residents" to pay a down payment of 35%. Of course, if the price of the house purchased is too high, then the down payment ratio will increase.

After the down payment is paid off, the rest can apply for loans, and the upper limit of foreign student loans is 6,543,800 yuan. In the definition of a bank, international students may return to China at any time, so their houses belong to "investment houses" in the eyes of banks. So generally only one house is allowed.

In addition, if international students want to sell their houses after graduation, and they are still "non-residents", they should consider the tax issue of property appreciation. When buying real estate, the taxes of non-residents and residents are the same, but when selling real estate, the taxes of non-residents and residents are different. If residents meet the requirements of the main housing, the capital appreciation of the house can be exempted from tax when it is sold, but non-residents can not enjoy this preferential condition, that is, they must pay asset appreciation tax, and the specific tax amount varies.

United States: International students must have a credit card to apply for a mortgage.

American residents can borrow money from the bank to buy a house, but if they are international students, they must have credit to borrow money from the bank, but the application conditions are very strict. Generally speaking, lending institutions require foreign buyers to pay a down payment of 50% of the house price, while Americans pay more than 20%. This year's loan interest rate is lower than 4%, and foreign buyers who invest in overseas real estate can usually get interest rates of 5% or even higher.

Europe: immigrants who buy houses can enjoy local benefits.

European countries have developed economies and a long education system, and are famous for having world-class educational resources, such as German mechanical design, French art, Swiss hotel management, Portuguese law major, Italian engineering and other top majors.

You can enjoy local education benefits through the European investment immigration program, among which the immigrants who buy houses are the most eye-catching. The free British education of 12 has made many parents feel excited. In addition, there are immigration policies in Greece, Portugal, Spain and other countries, which can also allow immigrant children to enjoy local educational resources.

Cyprus

1. The applicant must be at least 18 years old and have no criminal record.

2. Buy a property worth 300,000 euros or more in Cyprus (the property must be approved and audited by the authorities before applying).

3. There are assets certificates and documents (deposits, real estate and company assets can be provided) equivalent to 300,000 euros in the names of individuals and spouses.

4. Buy one or more residential properties with a total price of more than 2.5 million euros, and get an EU passport in one step.

Greece

1. Principal applicant 18 years old or above, with no criminal record.

2. Purchase a property with a net value of 250,000 euros or more (the property must be approved and audited by the authorities before applying).

Spain

1. The applicant must be at least 18 years old and have no criminal record.

2. Provide health certificates issued by medical institutions designated by Spanish embassies and consulates.

3. Invest in buying Spanish land, houses or commercial real estate of not less than 500,000 euros, and buy a medical insurance with an insured amount of not less than 30,000 euros.

4. Provide proof of economic source.

Portugal

1. The applicant must be at least 18 years old and have no criminal record.

2. Buy a property worth 500,000 euros or more in Portugal.

3. The investment lasts for five years.

4. You must stay for 7 days in the first year, and then stay every two years 14 days.

UK: International students do not enjoy preferential policies when buying a house.

In Britain, especially in London, if you study for a one-year master's degree, most international students are willing to rent a house, because they are not sure whether they will stay in Britain for a long time because of their short study time. At the same time, if international students have been studying in London since high school or university, their families are relatively good, or they have immigration plans and are willing to stay in the UK, their parents will buy them a house in the UK. Usually, such students often have superior economic conditions, but because they come to the UK with a student visa and have no permanent resident status, they choose a one-time payment, which is relatively simple and avoids trouble.

Britain announced a new plan to help buy a house: help! According to this regulation, first-time buyers in Britain can enjoy a housing loan of up to 95% of the total housing price. The purpose of this housing loan scheme is to help those who buy a house for the first time to improve their housing, provided that the value of the house cannot exceed 600,000 pounds and the down payment is between 5% and 20%. The government will provide such buyers with a loan of 20% of the house value, interest-free for the first five years, and the annual interest rate thereafter will be 65,438+0.75%. However, to enjoy this preferential policy, you must first be a British citizen or a permanent resident of the UK.

This is a very difficult thing for international students. If not, you can still apply for a commercial loan, which also requires you to have a stable job and income. You can judge whether you are eligible for a loan and calculate the specific loan amount according to your comprehensive conditions such as occupation, income and credibility. Of course, the conditions for each bank to provide housing loans in the UK are different.

(The above answers were published on 2017-01-13. Please refer to the actual situation for the current purchase policy. )

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