Published: Oct 1, 2025 • For: Foreigners living in China & global investors

China has made a major policy shift that directly affects foreigners. On Sept 15, 2025, the State Administration of Foreign Exchange (SAFE) announced nine new FX measures, including the loosening of long-standing limits on foreign property ownership.

Key changes

• Non-self-use homes now allowed: Foreign individuals can buy residential properties for investment or rental income, not only homes they live in personally.
• Immediate down payments: Overseas buyers can fund purchases without the old red tape that slowed transfers.
• Company purchases: Foreign companies can use FX capital to buy homes, opening the door to business-backed acquisitions.

Why this matters

Since 2006 (and tighter rules in 2010), foreign buyers faced strict residency proofs and limits on the number of homes. Easing these rules signals that China wants to attract new capital and confidence into the housing market.

What it means for you

• Investors: China’s property market is now accessible for long-term holdings and rental strategies.
• Expats: Families planning a longer stay can consider ownership with fewer restrictions.
• Businesses: Firms can purchase properties to support operations and staff housing.

Before you buy: quick checks

• City rules still apply: Municipalities may add local requirements (eligibility, taxes, purchase caps). Always confirm with local authorities.
• Financing & FX: Ask your bank about FX remittance limits, paperwork, and timelines for bringing funds in.
• Taxes & fees: Budget for deed taxes, value-added tax (where applicable), agent fees, and maintenance costs.
• Title & due diligence: Use a qualified lawyer/agent to verify title, developers, and any liens or restrictions.

FAQ (short)

Can foreigners buy more than one home? Rules have eased, but some cities may still cap quantities. Check local policies.

Can I rent out my property? The new direction permits non-self-use residential purchases, which includes rental use. Confirm city-level requirements and registration.

Can companies purchase? Yes. Policies allow the use of foreign-exchange capital for company-backed purchases, subject to compliance.

Bottom line

This is the most open stance toward foreign buyers in almost two decades. If you’ve considered buying in China, the door is wider now—just make sure you follow city rules and get professional legal and financial advice.

This post is for information only and not financial or legal advice.

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