Eight common senses that China people should pay special attention to when buying a house in the United States.

1. To buy a house in the United States, you must first transfer the purchase price to an overseas account.

For buyers in China, the purchase price is not a problem, but there is a limit of $50,000 per person per year in China. When buying a house in the United States, the seller requires the buyer to provide proof of the purchase price or bank loan, preferably in English. After all, few Americans can understand Chinese, so do as the Romans do and don't be defeated by details.

2. After seeing the house in America, how should I bid?

America is a place where information is very transparent. After valuing a property, most brokers will help the guests to evaluate the price of the house and estimate the present value of the house in recent market transactions. If the seller asks a high price, the broker will help the buyer bargain. If the asking price is lower than the market price, the broker will help the buyer grab it quickly.

Sometimes, many buyers are interested in the same house. In order to get the house, they may have to pay more than the asking price. Therefore, not every suite has to bargain, but depends on the asking price. The key point is that the buyer must be able to correctly evaluate the value of the house, which of course requires the assistance of a good broker.

3, permanent property rights do not mean having a lifetime.

As we all know, property rights in the United States are permanent, so many new China buyers will have the idea that "buying a house in the United States means living for a lifetime, or even passing it on from generation to generation". In fact, this is not in line with the actual situation in the United States.

According to the average statistics over the years, Americans change their houses every seven years or so. There are many reasons for changing rooms, such as the change of work place, children going out to study, the change of family population, or changing mature urban areas to remote and quiet places after retirement. The reason why the United States frequently changes houses is mainly because there is no hukou restriction, the gap between urban and rural areas is small, and it is convenient to live anywhere.

It is not difficult to rent a house in America.

Seattle and other areas are prosperous in economy, with a large number of migrants and tourist cities, and need a large number of rental houses. Many property buyers are worried about the problem that their houses can't be rented out. Actually, there are too many concerns. You can't rent out without a house. In fact, whether the house can be rented out depends on whether the rent the owner wants is in line with the rental market price, and the key lies in whether the price is in line with the market.

The American real estate market is very open, transparent, authentic and reliable. Therefore, when buyers want to buy a house, in addition to asking brokers to do housing valuation, they may also ask for rental price evaluation; This is no problem for professional brokers.

5, buy a house in the United States, don't find fault for bargaining.

Many buyers deliberately find fault with eggs for bargaining, which is different from American culture. According to American custom, I bid because I like this house. The reason why I chose to win the bid must be compared with other houses, which I think is the most qualified or cost-effective.

Of course, every house is not perfect. Picking faults will only make the seller disgusted and counterproductive. The seller may choose something else without considering the buyer's bid. On the other hand, praising the seller's house is usually a way to win the seller's favor.

6. Don't ask the seller to give you furniture.

In the United States, the sale of houses and furniture are separated, which is a local custom. Usually when buying and selling a house, the house price includes immovable decoration. Such as chandeliers, corner ornaments, embedded cabinets and other immovable accessories fixed in the house. Movable accessories are personal items, such as sofas, tables and chairs and other furniture, which are not included in the house price.

In addition, the potted plants in the yard can be moved, so they are not included in the house price. The trees in the yard are on the ground and cannot be moved, so they are included in the house price. When a seller sells a house, he may not want to sell furniture. If there is any furniture or decoration you like in the house, the buyer can make purchase suggestions. We will discuss the price.

7. Do you only look at the rental rate of return when buying American real estate?

Buying a house should consider two aspects: first, the rental rate of return; One is the potential appreciation space. The latter is more important than the rental rate of return.

Usually, the more expensive the house, the lower the rental return rate. For example, new york, San Francisco and Los Angeles on both sides of the East Coast are all areas with relatively high housing prices. Because housing prices in these areas often rise, the corresponding rent increase level can't keep up with the speed of housing price increase, so the rental return rate is relatively low.

But in the long run, the houses in these places have more room for appreciation than other places with high rental returns, because more people want to buy such houses, and the more they buy, the higher the house price, which is the balance between supply and demand. Therefore, it is not the best to buy a house with low price and high return, and we should consider it from two aspects at the same time.

8. Not every foreigner can apply for a mortgage.

Loan, house for house, is the most cost-effective method of real estate. It is very common and easy for overseas buyers to borrow money to buy a house in the United States. But not every bank can lend to overseas buyers.

There are differences between foreign loans and American loans: American loan conditions: whether credit, income and work are stable; Foreign loan conditions: you need to have more self-provided funds, generally around 40%-50%. Generally, you can borrow about 50-60%.

Because the loan interest rate of each bank is different, the requirements for applicants are different. Usually, if the bank interest rate is high, the procedures are simple and the requirements are low; Some banks have low interest rates, but there are many requirements that not everyone can meet. It is recommended to consult more and compare more before applying for a loan. Choose what suits you and is most beneficial to you.

(The above answers were published on 20 17- 12-06. Please refer to the actual situation for the current purchase policy. )

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