Ningbo-Zhoushan Port is the world's largest port. According to the latest data, the cargo throughput of Ningbo-Zhoushan Port has ranked first in the world for 12 consecutive years, and the container throughput has steadily ranked third in the world. However, the cost of living and accommodation is much lower than that in Shanghai. For this strong reason, it has always attracted many foreigners to choose to live and conduct business in Ningbo for a long time. After paying rent for a long time and seeing the city's construction getting better and better in recent years, people start to think more about a question: Is it meaningful to buy a house in Ningbo? Is it to live more freely and have a second home for work? Or is China's continuous development worthy of considering an additional long-term investment?

宁波舟山港是全球第一大港。根据最新的数据，宁波舟山港的货物吞吐量连续12年位居全球第一，集装箱吞吐量稳居全球第三。但是生活，住宿成本远远低于上海，就这个硬理由，就一直吸引着很多外国人选择以宁波为中心长居开展业务。房租交久了，看着城市近年建设得越来越好，开始多思考一个问题，宁波买房有意义么？自己住得更随心所欲，有工作的第二个家？还是中国持续发展，值得思考多一项长期投资？

So today, before leading everyone to think about this deeper question, let's first understand the most basic question: whether foreigners can buy houses and what pitfalls to avoid.

那么今天先带大家思考这个更深的问题前，了解下最基础的问题，到底外国人能不能买，有哪些雷区别踩。

1

Regarding the Qualification Review of the Purchaser

关于购房人资格审核

Qualification review for house purchase: Foreigners need to meet certain purchase qualifications when buying houses in Ningbo. For example, when purchasing a house in the restricted purchase area, they need to provide a "housing unit number certificate" proving that they have no residential property in the six districts of Ningbo City; and a social insurance payment certificate with continuous payment for 24 months or more within the 3 years before the date of house purchase and without any supplementary payment records.

购房资格审查：外国人在宁波购房需要满足一定的购房资格，例如在限购区内购房需要提供证明自己在宁波市六区内无住宅的“房屋套数证明”；以及自购房之日起前三年内在本市连续缴纳24个月及以上且无补缴记录的社保缴纳证明 。

Of course, according to the regulations of the "Measures for Foreigners Residing in China to Enjoy Relevant Treatments", foreigners with permanent residence in Ningbo enjoy the same house purchase treatment as Chinese citizens.

当然，根据《外国人在中国居留享有相关待遇的办法》的规定， 在宁波持有永居的外国人和中国公民享有同等的购房待遇。

2

Regarding the Qualification Review of the Purchaser

关于购房资格审核

First of all, overseas individuals can only purchase one housing unit in the name of a family. If purchasing a second-hand house, they need to apply at the window of the national security department and obtain the "Review Opinion Letter for Foreign (Taiwan, Hong Kong and Macau) Personnel House Purchase" before continuing with the house purchase procedures. If purchasing a new house, it is necessary to ensure that the real estate project has the qualification for foreign-related sales and apply for the "Review Opinion Letter for Foreign (Taiwan, Hong Kong and Macau) Personnel House Purchase".

首先境外个人只能以家庭为单位购买一套住房；如果是购买二手房，需要到国家安全部门窗口提出申请，获得《外国（台港澳）人员购房审查意见书》后才能继续购房手续；如果是购买新房，就需要确保楼盘具备涉外销售资格，并申请《外国（台港澳）人员购房审查意见书》。

3

Regarding the House Purchase Price

关于购房款

• If it is a one-time payment, it is very convenient.
• If applying for a mortgage, the bank will make an assessment based on your comprehensive credit situation.
• 如果是一次性付款，非常方便。
• 如果是申请按揭，那么银行就要根据你的各方面综合征信情况做出评估进行。

4

Regarding the Advantages of Foreigners Buying Houses

关于外国人购房的优势

• Ningbo City provides a house purchase subsidy policy for the introduced high-level talents. For example, a house purchase subsidy of 300,000 yuan can be obtained after the house transfer.
• For the qualified basic talents, Ningbo provides a 2% house purchase subsidy of the total purchase amount, with a maximum of 80,000 yuan.
• At the same time, Ningbo City has introduced a series of housing purchase policies, including the relaxation of the purchase restriction policy, the flexible adjustment of the sales restriction policy, and the optimization and upgrading of the loan policy, providing a more flexible and favorable property purchase environment for home buyers.
• 宁波市对引进的高级人才提供购房补贴政策，例如房屋过户后可获得30万元的购房补贴。
• 而对于符合条件的基础人才，宁波提供购房总额2%的购房补贴，最高不超过8万元。
• 同时，宁波市出台了一系列购房政策，包括限购政策的松绑、限售政策的灵活调整以及贷款政策的优化升级，为购房者提供更加灵活、优惠的置业环境。

5

Regarding the Relevant Steps

关于相关步骤

• Prepare relevant materials: including passport, degree certificate, work certificate and other proof materials.
• 准备相关材料：包括护照、学位证、工作证明等证明材料。

• Qualification review: see point 2 above.
• 资格审核：见上文第2点。

• House purchase qualification: see point 1 above.
• 购房资格：见上文第1点。

• Sign the house purchase contract: sign a house purchase contract with the seller and pay the deposit.
• 签订购房合同：与卖方签订购房合同，并支付定金。

• Handle the loan: if you need to buy a house with a loan, the bank will review according to the buyer's credit record, income situation, etc., and determine the loan amount and interest rate. After the approval, the buyer needs to sign a loan contract with the bank.
• 办理贷款：如果需要贷款购房，银行会根据购房者的信用记录、收入情况等进行审核，并确定贷款额度和利率。审批通过后，购房者需与银行签订贷款合同。

• Handle the property transfer: the buyer needs to go to the real estate trading center where the property is located together with the seller to handle the property transfer procedures. During the transfer process, it is necessary to submit the house purchase contract, identity certificate, residence certificate and other materials and pay the relevant taxes and fees.
• 办理房产过户：购房者需与卖方共同前往房产所在地的房地产交易中心办理房产过户手续。过户过程中需提交购房合同、身份证明、居住证明等材料，并缴纳相关税费。

• Apply for the property right certificate: after the property transfer is completed, the buyer needs to apply for the property right certificate from the local real estate registration agency. The property right certificate is the voucher for the buyer to legally own the property. When applying, it is necessary to submit the transfer proof, house purchase contract, identity certificate and other materials.
• 申请产权证：房产过户完成后，购房者需向当地的房产登记机构申请办理产权证。产权证是购房者合法拥有房产的凭证，办理时需提交过户证明、购房合同、身份证明等材料。

• Move in or rent out: after obtaining the property right certificate, the buyer can move into the new house or rent out the property.
• 入住或出租：取得产权证后，购房者即可入住新房或将房产出租。

The above are the basic requirements and procedures for foreigners to buy houses in Ningbo. The specific policies may change over time. It is recommended to consult the local relevant departments to obtain the latest policy information before buying a house. Or contact Reindeerstation Business Consultant for the latest consultation.

以上为外国人在宁波购房的基本要求和流程，具体政策可能随着时间会有所变化，建议在购房前咨询当地相关部门获取最新的政策信息。或者联系灵达商务顾问获取最新咨询。

Author 作者 | Ryan