I am a foreigner. Can I mortgage a house in Hainan at present?

1. I am a foreigner. Can I get a mortgage to buy a house in Hainan at present?

Hello, Hainan Haofang Online Group Buying Network is happy to answer your question. You can buy a house in Hainan without limit, but you need a tax payment certificate and a bank account.

second, what are the conditions for foreigners to buy a house in Hainan

The policies for foreigners to buy a house in Hainan are as follows:

1. Foreigners need social security or tax payment certificates for 2 to 5 years to buy a house in Hainan.

2. After being qualified to buy a house in Hainan, you should also provide your ID card, household registration book, marriage certificate, temporary residence permit, social security or tax payment certificate.

3. If a foreigner borrows money to buy a house in Hainan, the age of the lender plus the loan period, male is no more than 65 years old and female is 6 years old.

4. Pay a down payment of more than a certain percentage of the total amount of the purchased house, have a stable career and income, have good credit, and have the ability to repay the loan interest.

regulations on purchase restriction for foreigners

1. In April 218, the Hainan Provincial People's Government issued the Notice of the General Office of Hainan Provincial People's Government on Further Stabilizing the Real Estate Market. Commercial housing in Hainan Province will be subject to global purchase restriction.

it mainly includes: the houses built in the four cities and counties of the central ecological core area, namely Wuzhishan, Baoting, Qiongzhong and Baisha, can only be sold to the families of residents in this city and county. In Haikou, Sanya and Qionghai, where the purchase restriction has been implemented, families who are not registered in this province must provide proof that at least one family member has paid personal income tax or social insurance in Hainan Province for 6 months or more.

2. If a non-resident family purchases a house, it must provide proof that at least one family member has paid personal income tax or social insurance for 24 months or more in Hainan Province. Since the issuance of this notice, households whose household registration has moved to this province can only buy one house, and must provide proof that at least one family member has paid personal income tax or social insurance in Hainan Province for 24 months or more.

cities and counties should strengthen the qualification examination of purchasing houses and standardize housing transactions. Non-registered households in this province are not allowed to buy houses by paying personal income tax or social insurance, and the housing policy on introducing talents shall be formulated separately by the provincial government.

third, is it forbidden for foreigners to buy a house in Hainan in full?

after the island-wide purchase restriction in p>218, foreign households need to pay the full amount in one lump sum to buy houses in Hainan, and they can get a mortgage of 5% if they buy commercial houses.