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內地推港澳居民購買大灣區房產結算支付便利化業務指引
人民銀行廣東省分行、國家外管局廣東省分局發布《港澳居民購買粵港澳大灣區內地城市房產結算支付便利化業務指引》,以便利港澳居民辦理購房結算支付。該結算支付便利化業務適用於港澳居民個人購買廣州、珠海、佛山、惠州、東莞、中山、江門及肇慶等八個地市的新房及二手商品房,並將於下月26日起實施。 該指引表示,港澳居民可將境外人民幣或外幣資金匯往境內貸款帳戶,用於償還境內按揭貸款。貸款銀行進行真實性審核後,將不超過月供或提前還款規模的人民幣資金劃入港澳居民境內貸款賬戶。港澳居民應承諾相關資金僅用於償還按揭貸款,不得挪作他用。港澳居民匯入償還按揭貸款的人民幣資金不納入港澳居民向內地同名銀行賬戶匯入匯款每人每日最高限額管理。 該指引又指,若港澳居民購房交易不成功,房地產開發企業或二手房買賣雙方,應將對應的購房款原路退回。其中,原屬於境外匯入的人民幣/外幣購房款的,應將人民幣/外幣購房款原路退回匯出境外;原屬於境外匯入外幣購房款已結匯的,應將退回的購房款購匯後原路匯出。
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