What are the advantages of buying a house in China?

More and more immigrants buy houses in Germany. Some people may ask: Why do so many people plan to buy a house in Germany? In fact, this is a national characteristic and a way to attract Germany. Germany is a famous industrial country, and the quality of life here is relatively high. People who want to immigrate here need to go through layers of examination, and some people may not succeed in the end. This has caused many people's regrets, so the housing immigration policy in Germany has been introduced, which can better attract immigrant groups and is also a part of high-income and high-quality immigrants. If you plan to immigrate to Germany in the near future, you must know the German immigration policy in advance!

German housing immigration policy

First, Germany's housing immigration conditions

(1). There is a good and feasible investment plan, and the investment projects must meet Germany's important economic interests or meet special regional needs.

(2) Have many years of business management experience. Preferably related to the investment industry. If you start your own company, it is best to be a legal representative or shareholder.

(3) There are enough investment funds, and the source of funds needs to be guaranteed. If there is enough money or loan commitment. Although it only takes 25,000 euros (about 250,000 RMB) to register a company in Germany, considering the operating cost (5 years) and the additional investment in the company's future development, it is suggested that your assets should be around 6,543,800+0,000.

(4) The investor is 25-55 years old. If the applicant is over 45 years old, he must prove that he has old-age security when applying for a visa.

(5) Companies registered in Germany need to operate for 5 years, abide by German laws and pay taxes according to regulations.

Whether the above conditions are met or not depends on the feasibility of the business, the experience of the visa applicant, the amount of investment, the impact of the project on employment and vocational training in Germany and its role in scientific research.

Second, the advantages of German housing immigrants

A. Balancing housing and office work

Buying a house in Germany can not only be used as an office to receive customers and partners, but also as a residence for employees. It not only saves commuting time and transportation expenses, but also reflects the company's financial strength and good image.

B. High hedging coefficient

House prices have risen steadily, with long-term investment and high hedging coefficient. Compared with the high domestic housing prices, German housing prices are rising steadily. Roughly estimated, the annual income of real estate rental and value-added can reach 3% to 8%.

C. Transaction amount

Low housing prices in Germany and low interest rates in Europe have reduced the cost of buying a house.

D. rental return

Germany has a frequent population movement and a tight rental market. Many people find it difficult to find a good house when renting a house. As a long-term investment, the house can be rented in whole or in part. It can avoid the house being idle and improve the return on investment.

E. Free and compulsory education

According to German law, families living in Germany can receive monthly childcare allowance, and their children can attend public primary schools, junior high schools and senior high schools for free, while higher education is almost free. For most parents, children's education is the most important. German education is world-class. Buying a house in Germany can also solve children's education problems.

Third, the buying process in Germany.

1. new house VS second-hand house

The rental market is booming. Like China, there are many real estate agents in Germany who own houses in various places. With the development of Internet, many German websites have appeared in recent years, which list a series of information from all over Germany.

In Germany, old houses are common and Germany is very keen on DIY. Most people choose to rebuild their old houses instead of rebuilding them. Because of traditional architectural features, old houses are more expensive than new ones. Of course, some old houses are expensive to renovate. In Europe, labor costs are quite high.

Buying a second-hand house, it is best to ask professionals to further identify the house, of course, the cost is also higher.

When buying a new house, there is basically no concern in this regard, only considering the structure, materials and energy consumption of the house. It should be noted that in Germany, except for the old houses protected by cultural relics, most houses need energy certificates to evaluate their energy consumption, and the lower the energy consumption, the better.

Step 2 contact an intermediary or seller

After determining a new house or a second-hand house, you can contact an intermediary or seller. Looking at a house should consider the location, housing quality and supporting facilities. After seeing a satisfactory house, negotiate the price with the agent or seller. Similar to China, the longer the house is sold, the greater the bargaining space.

After the price is finalized, it is necessary to sign an "appointment agreement" with the intermediary. After signing the contract, the seller reneges before signing the contract and needs to pay the intermediary compensation fee. However, according to German law, the buyer has the right to cancel the contract within 14 days, that is, the buyer can unconditionally cancel the contract within 14 days after signing the contract.

3. Purchase cost

When calculating the purchase cost, in addition to the house price, it should also include the surcharge:

A. additional costs at the time of purchase

The additional fees stipulated by law include:+property purchase tax: Frankfurt 6%.

+Notarized real estate cost: 2%

+Land registration fee: about 0.5%

+Real estate agency fee: about 6% of the purchase price.

= 14%- 15% of the purchase price.

B. Annual tax payable:

Tax standard value

(The calculated value is stipulated by the government)

X 0.35% property tax index

(This index is applicable to multi-family houses and apartments where individuals live. )

X 460% tax rate' b'

The tax rate is set by the local government. E.g. 460% in Frankfurt)

= Fixed tax payable every year.

* Take a property of 300,000 euros as an example. In Frankfurt, the annual tax revenue is about 400-500 euros.

4. House price and loan

In recent years, investors have increased, and house prices in some cities in Germany have risen. According to the survey, at present, the average price of an apartment with a 100 square meter is 4 106.79 euros/square meter, while the average price of the same house is 3,308.56 euros/square meter in 201kloc-0/year, and even only 2,369.400. However, on the other hand, the German mortgage interest rate dropped again and again during this period. At present, the fixed loan of 10 is less than 2%, which reduces the loan cost.

When lending in Germany, the bank will consider the applicant's credit rating and the price of the pre-purchased property. The materials required to apply for a loan are as follows:

-Identity documents

-Settlement of income and remuneration in the past 3 months

-tax returns and tax notices for the past 1-3 years.

-Proof of net income (self-employed, self-employed or business owner)

-The applicant's credit history with the German Credit Risk Protection Association.

-Insurance and other loan documents purchased by the applicant (sometimes)

-Building plans, building permits, building descriptions, area calculations, extracts from real estate registers, photos, insurance certificates and other documents.

5. Notarization transfer

After solving the financial problem, we began to draw up the contract and find a notary to notarize it. There will be a summary of buyer and seller information, housing information, bank information. The notary will check whether there is more than one room for sale, arrange to sign a sales contract and a bank loan application, and handle the property transfer. The notary will charge about 65438+ 0.5% of the selling price of the property.

Editor's summary: The above is the introduction of the advantages of China people buying a house in Germany, hoping to help friends in need! Please continue to pay attention to our website for more information, and more exciting content will be presented later.