Introduction of proof materials for buying a house in the United States

More and more people apply to buy a house in the United States, so what are the proof materials for buying a house in the United States? Many immigrants are more concerned about this kind of problem. Let's take a look at it with the overseas immigration network! The following is the relevant information I have compiled. Welcome to reading.

Introduction of proof materials for buying a house in the United States

Before the real estate agent shows you the house, you need to submit a proof of funds. This proof of funds can be a monthly statement of your bank, or a letter from a bank expert, which proves that you have enough funds in this bank to buy the house you like. If you need a loan from a bank, you also need to get a pre-approval letter from the lending bank.

This shows that the bank is willing to lend you a house after pre-examination of your income and assets. That is to say, you are the lender of Wako Bank. Mainly after the US subprime mortgage crisis, banks became very cautious. The bank must carry out strict qualification examination for everyone who comes to borrow money. Therefore, the pre-approval of loan certificates is very important. Of course, if you buy a house in cash, you don't need to prepare a pre-approval loan certificate.

Without these two certificates,

The seller will not consider your bid.

For example, if you want to buy a house with $6,543,800+0,000, you are prepared to use $500,000 in cash and borrow $500,000. You need to submit a bank capital certificate to show that you have at least $500,000 in capital and 6 months of mortgage payment. This bank capital certificate is preferably issued by an American bank. However, if you don't have a bank account in the United States, the capital certificate issued by your bank in Hongkong or China is also acceptable. For the remaining $500,000, a loan pre-approval certificate is required. 100% This certificate needs to be provided to you by an American bank.

The real estate agent will show you the house according to your needs. When you look at the house and prepare to submit an offer, the real estate agent will help you contact the seller's agent to negotiate the price. When we submit the tender to the seller, we must submit your bank capital certificate and pre-approved loan certificate to the seller at the same time as the quotation documents. Without these two certificates, the seller will not consider your quotation, because now that you buy a house in the United States, usually all qualified buyers will provide these certificates. Therefore, it is very important to prepare these documents in advance.

With regard to remittance channels,

Some people use the bank's quota of 50 thousand dollars/year to find relatives and friends to make remittances. It is worth noting that the remittance route must be legal and clear. It is absolutely impossible for me to give someone a sum of RMB in the mainland and someone to give me a sum of US dollars in the United States. This method is suspected of "money laundering". The legal system in the United States is too sound to follow this path.

Remittance vouchers include:

Remittance from the mainland's own account to the account voucher of the person who helped us remit money, the remittance voucher of the remitter buying foreign exchange in US dollars, and the remittance voucher to the Bank of America; A power of attorney to entrust them with remittance.

In the future, these materials may need to be translated into English when submitted to the bank, and the bank can also arrange translation, and some banks charge fees.

If you have kept a large sum of money in an American account for three months (it doesn't matter if you spend a small sum of money every day), and the American regulators think that there is nothing unusual in your account, then you don't need to provide proof of the source of funds or relevant documents when you remit money to the above-mentioned people.

Therefore, friends who want to buy a house in the United States should pay attention. If there is no special way, first open an account with the Bank of America, remit money early before buying a house in the United States, and if you need a loan, go back to China to prepare relevant credit documents so as not to delay the plan of buying a house. Chief of foreign exchange management in China: domestic remittance, the same foreign payee can't receive more than three remittances per month, that is, US$ 6,543.8+US$ 5,000. If you want to send a large amount of money quickly, you need to open two more accounts in the United States.

If you don't want to go abroad, you'd better choose a big domestic bank, because big banks have many agencies abroad. For example, Bank of China has branches in many big foreign cities, such as new york, London, Frankfurt and Tokyo. If the remitter handles the remittance of the draft in China Bank, the payee can go directly to the foreign office of China Bank to handle the formalities. If there is no business outlet of the remitting bank, it shall be handled at the entrusting bank designated by the remitting bank. Relatively speaking, it is not as fast and convenient to handle it in the entrusting bank as it is in the directly affiliated business hall. In addition, the network of big banks should be wider. Compared with small banks, there are fewer intermediate turnover links and remittance is more secure. T/T, money order, Western Union remittance and traveler's checks can all be considered.