Conditions for foreigners to buy a house in Shenzhen

According to Shenzhen's housing purchase policy, non-deep households (outsiders) and adult singles (including divorced people) can only buy commercial housing after paying personal income tax or social insurance certificates for five years or more in this city. Social insurance here refers to any two kinds of insurance: endowment insurance, medical insurance and industrial injury insurance.

Shenzhen housing purchase policy stipulates

1, deep-seated families and adult singles (including divorced individuals) who have been in the household for less than 3 years, and can provide proof of continuous payment of personal income tax or social insurance for 5 years or more in this city before the date of purchase, shall be restricted to purchase 1 according to the relevant provisions in Article 4 of Measures for Further Promoting the Stable and Healthy Development of Shenzhen Real Estate Market (Shenfuban [] No.28).

2. The social insurance mentioned in the notice refers to any two kinds of insurance: endowment insurance, medical insurance and industrial injury insurance. Families with deep households and adult singles (including divorced) who have cut off their social security payment within three years before the date of purchase, but not more than three months (including three months), can pay 60 months of social security in Shenzhen within five and a half years before the date of purchase, and meet other conditions for purchase, they can purchase commercial housing. Continuous payment and accumulated payment do not include overdue payment.

3. Retired in Shenzhen, registered residents can provide proof that they have paid personal income tax or social insurance in Shenzhen for 36 months or more before the date of retirement, and non-registered residents can provide proof that they have paid personal income tax or social insurance for 60 months or more before the date of retirement, and they can buy commercial housing if they meet other conditions for purchasing houses. The relevant implementation standards refer to the second paragraph of this article.

4. If the social security can't be paid on time during the epidemic, and the payment is completed within 3 months after the local epidemic is lifted, it will be regarded as continuous payment of social security, and its payment and payment will not be included in the review of social security requirements for house purchase.

5. If only one of the husband and wife of a resident family meets the purchase conditions, the purchased commercial house can only be registered in the name of one or both parties who meet the purchase conditions, and may not be registered separately in the name of the party who does not meet the purchase conditions.

6. If the commercial house is transferred by gift, the donee shall meet the requirements of the Notice of Purchase Qualification. If the notarization or application for registration of real estate rights transfer is completed before July 15 (excluding July 15), the original policy can be continued.

Can foreigners get a loan to buy a house in Shenzhen?

Foreigners can borrow money to buy a house in Shenzhen. Provisions are as follows:

1, loan terms

You must pay the provident fund in Shenzhen for more than six months and pay the social security in Shenzhen for more than twelve months.

2. Loan amount

The calculation formula of provident fund loan is: loan amount = balance of provident fund account X 14 times. In addition, we must meet the requirement of not exceeding the maximum amount. At present, the loan amount of Shenzhen Provident Fund is 500,000 for individuals and 900,000 for couples.

3. Loan interest rate

If it is an employee's family, if the first set of housing applies for provident fund loan, the loan interest rate is the benchmark interest rate of individual housing provident fund loan (3.25% for more than 5 years and 2.75% for less than 5 years).