Due to the differences between the policies of the two places and the existing foreign exchange control policies, there are many problems in the operation of Shenzhen people buying houses in Hong Kong through ordinary mortgages.

Limited application for bank mortgage in Hong Kong

In the interview, the reporter found that among the Shenzhen buyers who chartered a car to buy a house in Hong Kong, except some who had Hong Kong identity cards and lived in Shenzhen, the vast majority of Shenzhen buyers knew almost nothing about local policies. "Although I paid a deposit of 5%, I am worried about the approval of bank loans in the later period. If I can't apply for a loan from a bank in Hong Kong, I definitely don't want this house. " Yesterday afternoon, Mr. Li, a Shenzhen buyer who consulted a number of Hong Kong banks about mortgage loans, said.

According to the practice of buying a house in Shenzhen, buyers apply for a mortgage loan from the bank after paying a certain down payment, but there are restrictions on buying a house mortgage in Hong Kong. In the interview, the reporter found that the mortgage of mainlanders in Hong Kong banks is still in the "pilot" stage.

The staff of the agency who specializes in providing mortgage loans to Changjiang home buyers told reporters that there is no precedent for banks in Hong Kong to accept applications for mortgage loans from mainlanders. "Because there are many mainland buyers applying for loans this time, we will handle them together." However, she also said that it usually takes only ten working days for Hong Kong banks to accept loans from buyers who can provide proof of income in Hong Kong. At present, she is not sure whether the loan application of Shenzhen property buyers can be approved. "We have reported all the information provided by the buyer, but we haven't got the approval result yet. It is estimated that it will take at least 1 month. "

It is best to have relatives in Hong Kong to provide guarantee.

The agent of Hong Kong Xiangyi Real Estate Agency said that it is better for Shenzhen buyers to have relatives in Hong Kong, and it is more convenient to get loans with relatives' guarantee. When the reporter said that he had no relatives in Hong Kong but needed a guarantee, the intermediary said that Hong Kong banks had more restrictions on non-Hong Kong residents buying houses in Hong Kong, which would be more troublesome.

It is understood that if mainlanders buy a house in Hong Kong, but can't pay it in one lump sum, the buyer must pay a down payment ranging from 30% to 50% first, and then borrow the rest from the bank. However, when a bank lends money, it will require customers to submit proof of assets, generally requiring at least 654.38 million yuan of deposit certificate.

In terms of specific property certificates, Hong Kong bankers said that mainland income certificates may not be recognized by Hong Kong banks. According to the financial planner of a business department of Hongkong and Shanghai Banking Corporation, in theory, mainlanders need to provide proof of real estate, income, deposits, stocks and other property funds when applying for bank mortgage in Hong Kong. However, due to the strict review system of Hong Kong banks in avoiding financial risks, the assets and income of lenders will be verified in detail. However, it is very troublesome for Hong Kong banks to verify the mainland assets certificates provided by Shenzhen people. "Because Hong Kong banks are unfamiliar with the relevant departments in the Mainland, it is very difficult to operate."