What are the loan conditions for foreigners to buy a house in Foshan? Can I get a loan?

Procedures and precautions for foreigners or compatriots from Hong Kong, Macao and Taiwan to conduct second-hand housing transactions in Foshan. Foreigners or compatriots from Hong Kong, Macao and Taiwan do not have any restrictions on buying houses in China, but they are different from China citizens when going through the formalities. Foreigners or compatriots from Hong Kong, Macao and Taiwan need a pre-purchase certificate issued by the Beijing Foreign-related Safety Project Review Office. The issuance of this certificate is not a restriction on foreigners or compatriots from Hong Kong, Macao and Taiwan to buy houses, but a need of state management. It is not difficult to go through this procedure, and it is easy to complete the certificate of approval to buy a house if it meets the conditions. Can foreigners, Hong Kong, Macao and Taiwan Province people apply for housing mortgage loans? Not allowed. If his spouse is from China, he can apply for a loan as a purchaser, and the income of foreigners can be used as a factor in the qualification examination of repayment. From the current market point of view, overseas Chinese, Hong Kong, Macao and foreigners are similar to mainlanders in the process of buying second-hand houses, except that the buyer needs to go to the foreign-related examination and approval office for examination and approval before buying a house. The specific process is as follows: 1. The buyer and the seller sign a sales contract with the brokerage company; 2. The buyer shall go to the foreign-related examination and approval office for examination and approval; 3. The Buyer and the Seller shall submit relevant information on transfer; 4. The Buyer and the Seller shall go through the formalities for the transfer of house property rights; 5. Get the house property certificate. In the above process, for Hong Kong, Macao and Taiwan and foreigners, items 2 and 3 should be paid more attention. For overseas Chinese, Hong Kong, Macao, Taiwan and foreigners, the important thing in the process of buying second-hand houses is how to submit information and what information to submit, which is directly related to whether consumers can realize their home purchase plan quickly and effectively. The materials that foreigners need to submit to buy second-hand houses are summarized as follows: 1. Identification certificate: Hong Kong and Macao compatriots: passports or resident identity cards of the Hong Kong (Macao) Special Administrative Region of the People's Republic of China or mainland passes. Taiwan Province compatriots: Taiwan compatriots' certificate or travel permit or confirmed identification. Foreigners: Passport and foreigner's residence permit (Chinese translation of passport submitted to Chinese notary office without foreigner's residence permit). 2. Submit the approval documents for national security review of foreign-related projects in Beijing. 3. Notarization of translated names is required. 4. If there are foreign languages in the documents submitted, a notarized Chinese translation shall be submitted at the same time. If a loan is needed, the following information should also be provided: 1. The lender's income certificate and business license (stamped/annual inspection page of the current year is required), education certificate and credit certificate (for a large loan amount); 2. Legal and valid down payment voucher; Compatriots from Hong Kong, Macao and Taiwan: provide residence permit or temporary residence permit, mainland travel permit, mainland employment permit, household registration book (red and yellow book) and marriage certificate (divorce certificate/single certificate). Remarks: 1. Taiwan Province people cannot apply for loans; (Huaxia Bank and China Bank may be able to approve) 2. If the income certificate of foreigners is not from Beijing, the following information should be provided: 1) Authenticity notarization; 2) Having a guarantor (relative or friend) in Beijing; 3) If it is a foreign language certificate, it needs to be translated into Chinese. The process and instructions for foreigners to buy a house are becoming more and more common, and the relevant policies they enjoy are basically the same as those of Chinese people. However, due to the restrictions of identity, nationality and other factors, foreigners still have some special procedures when buying a house, so they need to provide more information, and the sales contract must also be notarized by a notary office. Reminder 1: define the authority of the entrusted agent to represent the purchaser in the process of borrowing money from the bank, such as contract notarization, mortgage registration, insurance and other loan matters. After the loan occurs, it can also be repaid by the agent (house buyer) on schedule; The borrower opens a current savings account in the bank and entrusts the agent to deposit the required repayment amount into the current savings account every month. In case of personal housing loans overdue for more than six months, the borrower authorizes the entrusted agent to handle the shopping business of the client. By contacting the entrusted agent, the sub-branch can dispose of the mortgaged property to ensure the successful overdue collection. Reminder 2: Information required for foreigners to apply for loans Passport, original and photocopy of valid residence permit in Chinese mainland. Original and photocopy of marriage certificate. The certificate of marital status issued by the notary office of the country of residence that needs to be certified by the Chinese embassy or consulate in that country, or the certificate of marital status issued by the Chinese embassy or consulate in that country (including the certificate that I have no spouse), if it is in English, should be accompanied by a Chinese translation issued by the Foreign Affairs Office. Applicants or * * * people can't go to the site to handle the mortgage loan in person: ① Married people: If both husband and wife can't be present at the same time, the one who can't be present can sign a power of attorney to entrust his spouse to handle it (at least one of the husband and wife will come in person), and the power of attorney should be notarized by the notary office of the country and authenticated by the Chinese embassy or consulate in the country; Or notarized by the Chinese embassy or consulate in that country; Or notarized by the country's embassy or consulate in China (if it is an English version, it should be accompanied by a Chinese translation issued by the Foreign Affairs Office and stamped with the relevant seal). ② Unmarried persons: If foreigners are unmarried, they can only entrust their immediate family members to handle it on their behalf. The Power of Attorney is the same as above. Reminder 3: The loan percentage and interest rate foreigners buy houses in the mainland. Although the loan percentage is the same as that of Chinese people, there are many choices for bank loans. You can choose both foreign currency and RMB as the currency. Mr. Zhao from the real estate finance department of the 21st century suggested that foreigners choose RMB loans, so that you don't have to worry about the conversion between foreign currency and RMB, and you can avoid the change of exchange rate. The loan interest rate of foreigners enjoys the same treatment as that of Chinese people, and is implemented according to the personal housing loan interest rate stipulated by the People's Bank of China. The interest rate stipulated by the state is 6.12% for more than five years, and the interest rate of the first set of housing loans is 1%, which is reduced to 5.58% for more than five years; If it is a second home purchase loan, the preferential interest rate will not be implemented, and it will change with the adjustment of interest rate. Reminder 4: The contract must be notarized, which is the biggest difference from China people buying houses. Contracts signed by overseas natural persons, legal persons and other organizations for buying and selling commercial housing need to be notarized, and this notarization is mandatory. According to the introduction of Shanghai Notary Office, foreigners should pay attention to five aspects when handling the notarization procedures of contracts. If overseas natural persons, legal persons and other organizations buy or sell commercial housing, the contract shall be notarized by the Shanghai Notary Office. If domestic and overseas people buy and sell non-commodity housing for export and foreigners buy and sell non-commodity housing for domestic sale, the contract shall still be notarized by the Municipal Notary Office according to the original provisions. There are several kinds of "foreign natural persons, legal persons and other organizations" as the main body of purchase and sale: foreign citizens, citizens from Hong Kong, Macao and Taiwan, people holding China passports and obtaining permanent residency in foreign countries, other overseas individuals, legal persons and other organizations registered in foreign countries, Hong Kong, Macao and Taiwan, and so on. The certificates and materials required for notarization of foreign-related real estate sales contracts are clearly stipulated. For the buyer, if he is a natural person, he shall provide household registration book, ID card, passport, Taiwan Province residents' pass to the mainland and other identification certificates (such as overseas residence permit, etc.) according to different circumstances; In addition, if you entrust others to do notarization, you need to submit a valid power of attorney. If the buyer is a legal person or other organization, it needs to provide the business license and the identity certificate of the legal representative/person in charge; If signing a contract and notarizing on behalf of others, the valid power of attorney of the legal representative/person in charge and the identity certificate of the agent shall also be provided. For real estate developers, if they handle the notarization of pre-sale real estate, they need to provide the Pre-sale Permit for commercial housing; If the sale of real estate is notarized, the Property Ownership Certificate shall be provided. For the seller of the Sales Contract, the Property Ownership Certificate and the identity documents of the parties concerned should be provided (the specific requirements are the same as those of the buyer). Both parties need to be present in person to sign the contract in front of the notary. If there are special difficulties, notaries can come to accept them. Do foreigners use foreign languages or Chinese when registering ownership? With the acceleration of China's opening to the outside world, the number of foreigners buying houses in the mainland is increasing, and their nationalities are also different. If they use their mother tongue, besides the problems in writing and printing by the registration authority, the computer system will also have difficulties in retrieval and identification. Therefore, the real estate ownership registration authority can use its Chinese transliteration to register, and record its mother tongue name in the registration document, and mark it in the remarks column of the ownership certificate.