Mongolia:

Buyers' Guide

Buyers' Guide to Purchasing Property in mongolia's Housing Market

Contents

Introduction

Mongolia is a republic state. The government of national unity is controlled by the Mongolian People's Revolutionary Party (MPRP), with the additional presence of several smaller partners in the coalition.

Mongolia had its first elections in 1992, hence the country's democracy is still young and more time is needed to exam its stability.

Mongolia's legal regime adopted a combination of Soviet, German, and US legal systems that combine civil code and case-precedent; constitution ambiguous on judicial review of legislative acts. 

In general, foreigners may acquire immovable properties in Mongolia. However, foreign property buyers need to be aware that although they can own the dwellings outright, they cannot own but lease the land. 

Private property rights are protected, according to Mongolia Constitution, "The State recognizes all forms of both public and private property and shall protect the rights of the owner by law". The constitution also states that compensation shall be granted in the case of expropriation for public usage.1 In addition, the Foreign Investment Law of Mongolia encourages foreign investment and protects foreign investors' rights and property.  However, investors need to be aware that the enforcement of laws in Mongolia remains weak due to the judges' lack of understanding of commercial principles.2

Mongolia's fiscal, financial , business, investment and trade freedom has been apprised. The top income and corporate tax rates are moderate.3

Legal Guide

Law

Mongolia's legal regime adopted a combination of Soviet, German, and US legal systems that combine civil code and case-precedent; constitution ambiguous on judicial review of legislative acts.  The legislative branch is the State Great Hural and the judicial branches are comprised of the constitutional courts (a.k.a. Tsets) and the Ordinary Courts, which include:

  • Supreme Court – serves as appeals court for people's and provincial courts but rarely overturns verdicts of lower courts
  • Aimag Courts (Provincial Courts)
  • Soum, intersoum and district courts4

In respect of the real estate sector, following are some of the relevant laws

  • Constitution
  • Law on Registration of Immovable Property
  • Company Law, 1999 (Link is currently unavailable)
  • Law on Licensing, 2001
  • Law on State Stamp Duties, 1993
  • Law on Allocation of Land to Mongolian Citizens for Ownership
  • Immovable Property Tax Law
  • Law on Land
  • Law on Land Fees

Ownership & Rights

The Mongolian legal concept of ownership follows Roman law categories of property rights and specifies a right to own (umchleh erh); a right to dispose (zahiran zarzuulah erh); usus fructus (ezemshih erh); and usus (ashiglah erh). As a result, the land-related provisions of the Constitution, Civil Code and Law of Land are based on these concepts. However, the Law of Land of Mongolia only corresponds with the rights of usus fructus and usus, determines the relevant land contracts - "land possession contract" (contractor may sub-lease his land to others) and "land use contract".5

The Foreign Investment Law of Mongolia states that foreign investors may acquire immovable properties. The Law also states that foreign investors shall enjoy the rights "to possess, use, and dispose of their property including the repatriation of investments which were contributed to the registered capital of the business entity with foreign investment".6  

Whilst the dwellings can be owned outright for foreign investors, land can only be leased. According to the Law of Mongolia on Land, 7 June 2002, "The state-owned land may be given possession with a license to Mongolian citizens, companies, and organizations as well as entities with foreign investment for duration of 15 to 60 years. The land possession license may be extended for not longer than 40 years at a time."7

The new Law on Land and Law on Allocation of Land to Mongolian Citizens for Ownership is to regulate ownership, possession, use and other rights to land by citizens, economic entities and organizations.

Buying Procedure

The buying procedure for an off-plan property is in general as follows:

1. Reserve the property
Once you have chosen your ideal property, a reservation agreement is to be signed with the seller and a reservation deposit needs to be paid (will form part of the purchase price).

2. Exchange Contract
Before signing preliminary purchase contract, buyers are suggested to consult a local law firm or conveyancing lawyer on analyse the risk, any unfavourable terms of the contract. Upon signing of the contract, first instalment/payment is often required.

3. Title Transfer
Historically there wasn't much need of a land registration system for the nomadic people of Mongolia.  In recent years the social changes have resulted more than 50 percent of the population urbanized. Consequently, there is growing need for land information as a basis for planning, development and control of land resources. The land registration system in Mongolia remains premature. Mongolian government has been granted a loan from the Asian Development Bank to establish a National Land Information Systems (NLIS).

For the registration of immovable property, the Law on Registration of Immovable Property 1997 has a clear guideline on the procedure. Upon the transfer of the immovable property, each dwelling buyer shall submit an application for the registration the ownership of the particular property together with the following support documents:

  • a document certifying the applicant's right to ownership of the immovable property; and
  • a document by a competent authority setting out the dimensions ad valuation of the property.

These support documents must be certified by a Notary.

The dwelling buyer may withdraw from the application before the property is registered at the Registration Office.

If the property buyer is a non-permanent resident of Mongolia, he/she shall make the application for registration or withdraw an application through an authorized representative who is a permanent resident of Mongolia, and certified to be so by a Notary.8

Taxation (for non-residents individuals*)

Taxation When Purchasing

Category   tax/fee rate
Stamp Duty   0.01% of the property value9
Property Transfer Tax   2%
Obtain a non-encumbrance certificate
from the Immovable Property
Registration Office
when buying  


when registering
MNT30,000 - 125,000 (depend on property value 
& servicespeed required) 

MNT7,500
Notary fee when buying

when registering
MNT30,000 - 85,000 (depend on property value)

MNT10,000

Taxation When Holding/Owning

CATEgory tax/fee rate
Income Tax 20% on gross income from leasing of property10
Immovable Property tax

0.6%, giving exemptions to following types of properties:

  • immovable property of persons, who are financed by central and local budget     
  • dwelling houses
  • building and construction for public use11

Taxation When Disposing

category tax/fee rate
Capital Gains Tax (CGT) NIL
Income Tax 20% from sales of immovable property12                                                                             
Property Sale Tax 2%

* A non-resident or a temporarily resident taxpayer, under the Personal Income Tax Law of Mongolia means a foreign citizen or a stateless person, who is staying in Mongolia for less than 183 days a year.

Mongolia has entered double taxation agreements (DTA) with various countries, including the UK, Germany, China, France, India, Russia, and so on. Mongolia has not yet entered into DTA with the USA or Japan.


1. Mongolia Embassy, Washington DC, 2008, The Constitution of Mongolia 1992 [Online] Available at: http://www.mongolianembassy.us/eng_foreign_policy/the_constitution_of_mongolia.php (accessed 15 May 2008)

2. The Heritage Foundation, 2008, Index of Economic Freedom – Mongolia [Online] Available at: http://www.heritage.org/index/country.cfm?id=Mongolia (accessed 15 May 2008) 

3. Same as 2.

4. Asian Development Bank, 2008, The Court System [Online] Available at: http://www.adb.org/Documents/Papers/Mongolia_Legal_Framework/court_system.asp?p=lawdevt (accessed 15 May 2008)

5. N Tumenbayar, 199?, Land Privatization Option for Mongolia [Online] Available at: http://dlc.dlib.indiana.edu/archive/00000370/00/tumenbayarn041100.pdf (accessed 15 May 2008)

6. Mongolia Embassy, Washington DC, 2008, Foreign Investment Law of Mongolia 1993-6-1 No. 86 (586) Unofficial Translation 19/9/94 [Online] Available at: http://www.mongolianembassy.us/eng_foreign_policy/the_foreign_investment_law.php (accessed 15 May 2008)

7. Ministry of Industry and Trade, 2008, Law of Mongolia on Land, 7 June 2002 [Online] Available at: http://dlc.dlib.indiana.edu/archive/00000370/00/tumenbayarn041100.pdf (accessed 15 May 2008)

8. Ministry of Industry and Trade, 2008, Law of Mongolia on Registration of Immovable Property[Online] Available at: http://mit.mit.pmis.gov.mn/en/download/laws/immov_law.pdf (accessed 15 May 2008)

9. Ministry of Industry and Trade, 2008, Law of Mongolia on State Stamp Duties [Online] Available at: http://mit.mit.pmis.gov.mn/en/download/laws/law_on_stamp_duties.pdf (accessed 15 May 2008)

10. Mongolian Embassy in Ottawa, Canada, 2008, Income tax on immovable property [Online] Available at: http://www.mongolembassy.org/ (accessed 15 May 2008) 

11. Ministry of Industry and Trade, 2008, Immovable Property Tax Law of Mongolia (17th November 2000) [Online] Available at: http://mit.mit.pmis.gov.mn/en/download/laws/immov_proptax_law.pdf (accessed 15 May 2008)

12. Foreign Investment and Foreign Trade Agency (FIFTA), 2008, Personal Income Law of Mongolia [Online] Available at: http://www.investmongolia.com/law42.pdf (accessed 15 May 2008)

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