What are the requirements for mainland hukou to buy a house in Hong Kong?

To buy a house in Hong Kong, a mainland hukou needs to meet the following conditions:

1. Proof of tax payment (personal income tax) or social insurance for five consecutive years in Hong Kong.

2. Hold a valid temporary residence permit in Hong Kong.

The buyer has no house in Hong Kong. If he gets married, neither husband nor wife has a house in Hong Kong.

4. ID card, marriage certificate and household registration book.

5. I bought a suite with a loan outside Hong Kong. If the above conditions are met, the down payment will be more than 60%, including 60%, and the loan interest rate will rise 10%.

Extended data:

First, the general process of buying a house in Hong Kong to apply for a mainland account:

Buying any commercial house in Hong Kong, whether it is a new house or a second-hand house, generally goes through three stages, which takes about one and a half months (generally speaking), including:

1. Select a real estate agent and inform the relevant requirements. After the real estate agent helps you screen out the properties that meet the requirements, you can make an appointment to go to Hong Kong to see the house.

2. After the unit to be purchased is selected, a temporary sales contract is signed with the seller through an intermediary, and a temporary deposit (generally 5% of the property price) is required.

3. Sign a formal sales contract with the designated law firm within five working days after signing the temporary sales contract, and at the same time pay the down payment (depending on the requirements of the developer), which is generally 10% ~ 15% of the house price.

4. After signing the formal sales contract, pay the balance of the house payment within the specified date. (Generally, there are 60-day, 90-day, 180-day payment plans. The shorter the payment time, the higher the discount. ).

Second, the mainland account to buy a house in Hong Kong to apply for mortgage materials:

Mainland residents in mortgage to buy a house, Hong Kong can mortgage up to 60% of their properties below HK$ 7 million, up to 50% of their properties between HK$ 7 million and HK$ 10 million, and up to 40% of their properties above HK$10 million. The bank will ask the customer to provide the following documents:

1. Self-employed (business owner):

(1) Copy of domestic ID card and pass,

(2) Bank records in the last three to six months,

(3) Proof of domestic address: monthly statement of water, electricity, gas or credit card,

(4) Housing sales contract

2. Salaried personnel (enterprise employees):

(1) Copy of domestic ID card and pass,

(2) Records of private bank accounts in the last six months,

(3) the company letter proves that the monthly income,

(4) Proof of domestic address: monthly statement of water, electricity, gas or credit card,

(5) Housing sales contract.

Baidu Encyclopedia-Purchase Process

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