Is it risky to invest in immigrants in the United States? Are there any investment immigrants in America? The solution score is high

American investment immigrants belong to commercial investment and have certain risks. The operation quality of EB5 project chosen by investors directly affects the success or failure of immigrants, and even the recovery of investment principal. Faced with numerous EB5 projects, how should applicants choose and control risks?

The risks of investing in immigration to the United States mainly include the following two points:

First, capital risk. There is no government guarantee for this project. You need to invest first, then apply for a visa, and you can get the investment money back after 5 years. Investment has certain risks.

Second, the green card risk. The investment is not managed by the applicant himself, and the applicant is in a completely passive state. If the investment fails or no job opportunities are created within 2 years, the green card will also be cancelled.

EB-5 investment immigration projects in the United States are divided into "loan projects" and "investment projects", and "loan projects" are the first choice from the perspective of risk control. The benefits of "investment projects" are attractive, but they coexist with risks; Choosing "loan project" means giving up part of income and controlling risks at the same time.

Investors should consider the financial status, repayment ability and guarantee of the borrowing enterprise, specifically, whether the financial status of the enterprise is stable, whether it is a "service project" or a "brand-new project". Investors should give priority to enterprises that have been operating for many years and have previous financial data, which can provide reference for subsequent business trends; The "brand new project" is based on the expected data in its business plan, which is risky.

In other words, even if you have assets and investment can be realized, you may not be able to obtain permanent resident status. At the beginning of your investment, you only got a "conditional green card", which is still far from it. "Conditional green card" is a temporary green card, valid for 2 years. The I-829 application must be submitted to the US Citizenship and Immigration Service three months before the expiration of the two-year period. USCIS will cancel the visa conditions and issue a permanent green card after examining whether the applicant's funds have been fully invested and whether the required employment opportunities have been created. Moreover, your investment funds are completely unsecured. If the investment fails, not only will you not get the "official green card", but you may even get the investment money back, which can be described as "losing your wife and losing your soldiers."

Investors should focus on financial indicators such as net assets, turnover, income and cash flow when referring to the pre-financial data of enterprises. Robust data is the key to controlling risks and an important basis for evaluating borrowers' repayment ability. Large enterprises with international credit rating often provide "self-guarantee" because of their strong financial ability, while some relatively small enterprises are provided with "guarantee or joint guarantee" by the parent company. At this time, the financial situation of the parent company will be considered together. If the enterprise provides "the first priority repayment guarantee" or "the same first priority repayment guarantee as the bank" in the repayment order, the project loan will be more secure.

Finally, American investment immigration applicants should also pay attention to the qualifications of fund guarantors. Priority will be given to those fund institutions that have entered the market for a long time and acted as sponsors in several EB5 projects.