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南宁公布现行适用外籍人士在邕购房政策！常见问题解答来了

来源：南宁住建 发布时间：

现行适用外籍人士在邕购房政策

The current policy applies to foreigners buying houses in Nanning
（2025年1月1日更新。政策具有时效性，具体以相关部门政策通知为准。）

(Updated on January 1, 2025. The policy is time-effective, and the specific policy notice of the relevant department shall prevail.)


贷款政策（loan policy）

商贷首付比例、贷款利率

Down payment ratio and interest rate of commercial loans

政策概要：

首付比例全部统一为15%；目前市场主流利率首套3%，二套3.3%（具体以银行政策为准）。

Policy summary: 

The down payment ratio is set at 15%; At present, the mainstream interest rates in the market are 3% for the first house and 3.3% for the second house (subject to bank policies).

财政补贴政策

（Financial subsidy policies）

商品住房“以旧换新”购房补贴

Purchase subsidies for "old for new" commercial housing

政策概要：

2024.6.1-2025.5.30期间在南宁市中心城区出售自有住房后，购买新建商品住房的个人购房者，可享受最高30000元人民币的购房补贴。

Policy summary: 

From June 1, 2024 to May 30, 2025, individual home buyers who buy new commercial houses after selling their own houses in the central city of Nanning can enjoy a subsidy of up to 30,000 yuan.

税收政策（Tax policy）

换购住房个人所得税予以退税优惠
Individual income tax rebate for housing purchase
政策概要：
2024.1.1至2025.12.31，将在南宁市的已有住房出售后一年内在南宁市重新购房，支持个人所得税退税优惠。
Policy summary: 
From 2024.1.1 to 2025.12.31, people who buy houses in Nanning will buy them again within one year after the existing houses are sold in Nanning city, and support individual income tax rebate.


外籍人士购房常见问题解答

Faqs for foreigners buying houses in Nanning

1.外籍人士能在南宁买房吗？

1. Can foreigners buy a house in Nanning?

答：外籍人士可以在南宁买房，自2015年起，南宁市取消境外机构和个人购房限制。

A: Foreigners can buy houses in Nanning, and since 2015, the city has lifted restrictions on overseas institutions and individuals buying houses.

2.外籍人士在南宁买房需要提供什么证件吗？
2. What documents do foreigners need to provide to buy a house in Nanning?
答：外籍人士在南宁购房，提交护照等有效身份证件（外文证件须提交翻译件原件、翻译机构的营业执照复印件加盖翻译机构公章），交纳足额购房款后，即可签订商品房买卖合同，办理合同网签备案、不动产登记等相关手续。
A: When foreigners buy a house in Nanning, they should submit valid identity documents such as passports (foreign language documents must submit the original translation copy, the copy of the business license of the translation agency with the official seal of the translation agency), and pay the full amount of the purchase fee, they can sign the commercial housing sale contract, go through the contract online signing record, real estate registration and other relevant procedures.
3.外籍人士如何将境外资金转到中国，完成购房款的支付手续呢？
3. How can non-residents transfer funds from overseas to China and complete the payment procedures for purchasing a property?
答：外籍人士在南宁购房，可以通过在国内银行机构申请资金结汇的方式办理。
具体流程为：购房人先准备护照等材料去往银行办理将购房款转到房开企业资金监管账户的手续，银行收到并确认转入金额与购房款一致后，告知房开企业，房开企业与购房人签署商品房买卖合同。购房人凭护照、购房合同、登记材料等能够证实购房真实性的材料到柜台申请资金结汇，柜台按资金转入当天利率办理等值结汇（将外币转为人民币），结汇完成后由银行转账至房企账户内，只能结汇等值房款且通过转账形式支付购房款。
A: Foreigners who buy houses in Nanning can apply for capital settlement in domestic banking institutions.
The specific process is as follows: the buyer first prepares the passport and other materials to go to the bank to handle the transfer of the purchase money to the capital supervision account of the real estate enterprise. After the bank receives and confirms that the transfer amount is consistent with the purchase money, the bank informs the real estate enterprise and the real estate enterprise signs the commercial housing sale contract with the buyer. Buyers with passports, purchase contracts, registration materials and other materials that can confirm the authenticity of the purchase of funds to the counter to apply for foreign exchange settlement, the counter according to the interest rate of the day of the transfer of funds for equivalent foreign exchange settlement (foreign currency into RMB), after the completion of the exchange settlement by the bank transfer to the account of the real estate enterprise, can only settle the equivalent house payment and pay the house payment through transfer.
4.外国人在南宁购买住房后，如要银行按揭，可否办理？如何办理？
4. If a foreigner wants a bank mortgage after buying a house in Nanning, can he handle it?How to do?
答：部分银行可以接受外籍人士在南宁购房的按揭申请。若在中国大陆内有稳定工作、稳定的还款来源，或由具备按揭贷款条件的中国公民作为担保人即可申请办理。具体办理条件和办理流程以各家银行要求为准。
A: Some banks can accept mortgage applications for foreigners to buy houses in Nanning. The specific conditions and procedures are subject to the requirements of each bank.
5.外籍人士在南宁购买住房后，可否进行再次交易？应如何办理？
5. Can foreigners re-purchase a house in Nanning? What should I do?
答：可以交易，可通过线下交易（邕e登线上暂不能办理），凭护照等有效身份证件（外文证件须提交有翻译资质机构的翻译件原件，翻译机构的营业执照复印件加盖翻译机构公章）以及必要的交易材料即可办理。若非本人办理，需办理公正委托后方可办理。
A: You can transact, you can transact through offline transactions (Yonge online temporarily cannot transact), with valid identity documents such as passport (foreign language documents must be submitted with the original translation copy of the translation qualification agency, the copy of the business license of the translation agency stamped with the official seal of the translation agency) and necessary transaction materials. If it is not handled by oneself, it can be handled only after applying for fair entrustment.
6.境外公司在南宁买房需提供什么证件吗？
6. What documents do overseas companies need to provide to buy a house in Nanning?
答：需要提供有关部门出具的该境外机构在境内设立分支、代表机构的注册证明。
A: It is necessary to provide the registration certificate issued by the relevant department for the overseas institution to set up branches and representative offices in China.

编辑 梁冰欣

责编 唐海波

审核 胡志伟

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