With the improvement of people's living standards, more and more migrant workers plan to buy a house in Guangzhou. Then the question is, what is the policy of foreigners buying houses in Guangzhou? How to calculate the down payment for foreigners to buy a house in Guangzhou? Next, let me reveal the answers for you one by one.

Housing Policy for Foreigners in Guangzhou

In non-restricted areas (Zengcheng District and Conghua District), foreigners can buy 1 set, and those with loan records need to pay 40% down payment for the first home; In the restricted areas (Tianhe District, Yuexiu District, Haizhu District, Liwan District, Huangpu District, Panyu District, Nansha District, Huadu District), foreigners are required to pay social security for five consecutive years and purchase one suite.

How to calculate the down payment for foreigners buying a house in Guangzhou?

First, the down payment is 30%. If there is no house in this city and there is no loan record, the minimum down payment is 30%;

Two, ordinary housing down payment 40%, non-ordinary housing down payment 70%. If there is no room in this city and there is a loan record, the minimum down payment for purchasing ordinary housing is 40%, and the minimum down payment for purchasing non-ordinary housing is 70%;

Three, ordinary housing down payment 50%, non-ordinary housing down payment 70%. There is a house in this city, and there is no housing loan record or the loan has been settled. The minimum down payment for purchasing ordinary housing is 50%, and the minimum down payment for purchasing non-ordinary housing is 70%; This kind of situation is rare for outsiders, and people who buy houses generally have homes. )

Fourth, the down payment is 70%. If there is a house in this city and the loan is not settled, the minimum down payment is 70%. (This kind is also rare.)

What should foreign hukou pay attention to when buying a house in Guangzhou?

(1) social security or individual tax payment

If a foreign household registration wants to buy a house in Guangzhou, the social security or tax payment certificate must be paid for five years, and it is not allowed to "stop" or "pay back". If the social security of the floating population does not meet the requirements, we can see whether the individual tax can meet the requirements. If both are not satisfied, you can choose to buy a house in an unlimited area, or you can buy a house by calling a collective account in Guangzhou.

(2) the down payment of the loan

Guangzhou implements the principle of "recognizing housing and recognizing loans". If the foreign household registration has outstanding mortgages in other provinces and cities, the down payment for buying a house in Guangzhou should be at least 70%; If the loans from other provinces and cities are paid off, the down payment for buying ordinary houses in Guangzhou should be at least 40%.

Editor's summary: After reading the above introduction, I believe everyone has a further understanding of the housing policy for foreigners in Guangzhou. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

Will foreign houses and loans affect buying a house in Guangzhou?

Houses outside Guangzhou will not affect the number of people buying houses in Guangzhou and the down payment ratio.

Only local houses in Guangzhou will affect the number of places to buy a house in Guangzhou and the down payment ratio.

However, the mortgage anywhere in the country will affect the down payment ratio of loans in Guangzhou.

In the absence of a house in Guangzhou, if the mortgage is not paid off anywhere, it is a 7-storey down payment, and if it is paid off, it is a 4-storey down payment ratio.

Take the house in Guangzhou as an example. If there is a mortgage anywhere, it is a 7-storey down payment, and if it is paid off, it is a 5-storey down payment.

How much is the down payment for buying a house in Guangzhou?

Real estate mortgage in other places: ① If the real estate in other places is commercial (apartment shops), the first set in Guangzhou is 30%. And many new buildings in Guangzhou have adopted the double contract system, which is far more than 30%. (2) If your foreign real estate is non-commercial, take out a mortgage, and Guangzhou will pay 70% down payment. For the second mortgage, Guangzhou needs the full amount. I think there are two sets of restricted loans nationwide, except commercial ones. The first condition for buying a house in Guangzhou is to meet the five-year social security or Guangzhou hukou.

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

Of course. 1. Loans for foreigners to buy houses vary from place to place, but they are all similar. Take Guangzhou as an example: According to the requirements of the People's Bank of China and the China Banking Regulatory Commission, foreigners must provide local tax payment certificates or loan repayment certificates for more than one year, and other procedures are the same as those of locals. 2. Guangzhou's purchase restriction policy is that if you are a foreigner, the buyer himself needs to buy social security 1 year or more in Guangzhou, and the buyer himself, his spouse and minor children have no household registration in Guangzhou. 1, it is certain that no matter which bank provides the loan, it must provide proof of income. 2. Loans require wages. Under normal circumstances, the monthly salary should be more than twice the monthly repayment amount.

This is the end of the introduction of foreign loans to buy houses in Guangzhou and foreign loans to buy houses in Guangzhou. I wonder if you have found the information you need?