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购买私人房产零佣金!

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外国人在新加坡购房指南

Joyce

Joyce

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新加坡被联合国评选为全世界最适合人类居住的国家之一。这里的房地产市场相对稳定,投资收益也相当可观。那么在新加坡购置房产的时候有哪些需要关注的事项呢?

1.外国人在新加坡购房是否存在限制?

新加坡对外国人购房的限制较少。只有新加坡政府为人民提供的保障性住房(组屋HDB)和有地住宅(别墅)禁止外国人购买。海外投资者可选择全岛范围的私人公寓和圣淘沙的有地住宅。圣淘沙是新加坡顶级富豪的聚集地,同时也是唯一允许外国人购买有地住宅的区域。

2.本人不在新加坡是否可以进行房屋交易?

可以。海外买家可以通过律师准备授权书,授权自己在新加坡的亲戚或朋友代表本人执行房产交易。也可以通过代理律师或房产经纪人将相关法律文件原件快递到自己的居住地,签署文件后在寄送回新加坡的代理律师。

海外投资者可选择新加坡全岛范围的私人公寓和圣淘沙的有地住宅

3.新加坡房产产权

新加坡房产产权一般为99年、999年、永久产权。其中大部分房产为99年产权(中国大陆产权为70年)。通常永久产权的房价比99年产权价钱要贵20%~30%。

4.新加坡房屋贷款

在新加坡,外国人购买房产可以向银行贷款和按揭。贷款数额最高为房产价格或估值的75%,具体贷款额度取决于金融机构的信用评估。在评估客户信用时,买家通常需要提供收入证明,包括工资单、银行存折、所得税评估等等。如果贷款额为房价的75%,那买房时就必须支付25%的现金。另外,如果购买的是期房,那么除了考虑贷款额度,还要结合该期房的工程进度。有别于中国,手续完成后,买家需要支付全部款项。在新加坡,买家付完首期之后将根据工程进度付款。例如地基打好了,则支付10%的余款。所买单位墙壁天花板做好了,再给10%等。非个人卖家的最高贷款额度为20%。

房屋贷款有两种基本类型。第一种是固定利率的房屋贷款,提供规定期限内的固定利率,避免了利率升高所带来的损害。但期间利率降低,贷款人则相当于支付了高于市场的利率。另一种为浮动利率贷款,根据市场利率的变化而变化。贷款人可以按照自己的情况选择适合的购房贷款配套。目前新加坡现行市场利率较低,贷款年利率在1.4%-1.8%不等。

外国人在新加坡购买房产可以向当地银行贷款

5. 聘请律师

新加坡的房产市场是世界上最规范最透明的市场之一,房产的交易需要由律师参与进行买卖的。律师将参与到房产购买流程和房产购买资金管理中。房产购买人需要支付律师费,但无需为各项活动聘用不同的律师。律师费是需根据海外买家所购房产的形式与价格来定的。

6. 费用及税款

费用征收方金额
印花税新加坡税务局买家印花税 3% – 4%
永久居民额外印花税 5%
外籍人士额外印花税金(ABSD) 20%
首付款卖家现房首付 = 全款-贷款额度期房首付要结合工程进度(参考4.)
房产税新加坡政府房产税是根据房产年租金比例征收(包括地税,出租税和物业费)
计算方式:
1.物业年值低于6000新币的,免收房产税 
2.物业年值为7000新币,前面6000免收,后1000按照4%收取,即40新币
3.物业年值超过24000新币,缴纳超过部分6%的房产税。 
律师费委托律师一般在3000新币内,高于200万新币的项目需向律师事务所询价。
新加坡购房所需缴纳费用和税款

7. 房产监管机制

为规范新加坡房地产市场和提升服务水平,自2010年10月22日起,新加坡正式成立了一个政府法定监管机构——新加坡房地产代理理事会(Council for Estate Agencies, 简称CEA)。该机构将负责审查房地产经纪人的从业资格、考核、签发统一的经纪从业证,同时受理民众对房地产经纪服务的投诉。房地产经纪从2011年3月1日开始,在服务客户时必须佩带由CEA统一签发的经纪证。对海外投资人来说,聘请专业的房屋经纪人将为其剩下大量的时间和精力,并且购买私人房产是免佣金的。

新加坡的租金回收率通常可以达到2.5%~3.5%

8. 收益回报率

新加坡云集世界各行各业的精英在这里工作、生活和学习。市场租凭需求旺盛。只要购买房产的位置合适,交通便利,完全不必担心找不到租客。通常新加坡的租金回收率通常可以达到2.5%~3.5%。另外,购房者可自行出租管理或者委托房屋中介代为管理。因此委派新加坡当地的中介机构对于不在新加坡的房产投资者来说是个很好的选择。

9. 在新加坡买房是否能移民?

在新加坡买房不等于移民。买房也许能为您的移民申请加分,但绝对不是一步到位的方法。

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