It is the first time for a buyer to buy a house in Shenzhen without a house. If the buyer is married, both husband and wife are eligible to buy a house without a house in Shenzhen.
3. Be able to show relevant identification, such as ID card, household registration book and marriage certificate.
4. Property buyers have valid temporary residence permits in Shenzhen.
5. If the property buyer borrows money from other places outside Shenzhen to buy a suite and meets the above conditions, the down payment will be more than 60%, and the loan interest rate will rise 10%.
6. If the property buyer is a resident of Shenzhen hukou, there cannot be more than two houses under the family name. Residents with foreign hukou can only have one house under their family name. If they have a third loan record, the bank will not give you a loan.
Extended data:
Matters needing attention in buying a house in Shenzhen:
1. If a foreigner wants to buy a house with a loan in Shenzhen, first of all, the materials that the buyer needs to prepare are ID card, household registration certificate, education certificate, marital status certificate, Shenzhen temporary residence permit, salary flow or large deposit certificate in the bank, and at the same time, a copy of the business license of the work unit should be provided and stamped with the official seal. All materials shall be in duplicate, and the Shenzhen Housing Application Form shall be filled in.
2. According to the relevant laws and regulations, foreigners can't buy affordable housing in Shenzhen, because the price of affordable housing is more economical than ordinary housing, so many people want to buy a set of affordable housing, and propose that the purchase of affordable housing can be exempted from property rights. However, because the affordable housing itself is only a part of the property rights owned by the buyers, even if the buyers automatically ask for no property rights, they can't buy affordable housing.
3. According to the detailed rules for foreigners to buy houses in Shenzhen, Shenzhen will strengthen the regulation and control of Shenzhen real estate market from the aspects of taxation, credit, housing land supply, housing purchase restriction policy, sales management of new commercial housing, transaction price monitoring of new commercial housing, and strengthening public opinion guidance, and strictly strengthen tax collection and management.
4. If an individual purchases a house for less than 5 years, the business tax shall be levied in full according to his sales income; Personal income tax shall be levied on those who do not meet the requirements of transfer for personal use for more than 5 years and are close to the family residence.