How to buy a house in America is the safest?

The upsurge of overseas home ownership has been the focus of attention in recent years. With the cooling of the domestic stock market and the depreciation of RMB, the trend of the real estate market is also confusing. The investment field is full of sorrow, and those investors with strategic vision have long been concerned about the overseas real estate market.

According to the latest data, in the first half of 20 15, China's investment in overseas real estate increased by about 46% year-on-year, reaching $6.6 billion. Among them, the total investment flowing into the United States is as high as $3.676 billion, which is 1.5 times of the annual investment of $2.0/962 million, while Australia and Britain are1664 million and $704 million respectively. The United States has become the first choice for China real estate investors.

In the upsurge of overseas investment, opportunities are in front of us, but avoiding risks can not be ignored. How to invest in American real estate reasonably and safely has become a common concern of investors.

The biggest feature of buying a house in the United States is the existence of a third-party institution-property rights protection and custody transaction service company, and the intermediary institutions in the United States have a sound management system. If an intermediary in the United States wants to have a practice license number, it must have graduated from a university and then have a professional evaluation every three years. If you are not satisfied, you can also complain to the special management department.

It is safer to have a "third child" when buying a house in America.

The biggest feature of buying a house in the United States is the existence of a third-party organization-property rights protection and custody transaction service companies. Before the house is completed and the occupancy certificate is obtained, the investor's house deposit, contract and bank loan will be entrusted to such a trading company. In addition, third-party organizations can also evaluate the housing quality for investors. The pre-sale management in the United States is a reference measure for China.

It can be seen that intermediary services are indispensable for both domestic real estate investment and foreign investment, but the intermediary institutions in the United States have a sound management system. First of all, American intermediaries must have a practice license number, all of whom must have graduated from a university, and then have a professional assessment every three years. Therefore, investors can explore their working years, qualifications and credibility through the employment permit numbers of third-party personnel. If you are not satisfied with their service attitude, you can also complain to the special management department, then the employment of intermediaries will face a crisis.

All land in the United States has identity cards, and planning and use restrictions are standardized.

In the United States, all properties and land have a number, which is equivalent to the ID card held by China people. Therefore, China people who are interested in investing in real estate in the United States should pay more attention to the land number during the process of inspecting real estate or when choosing real estate. When signing a house purchase contract, carefully check whether the selected land number is consistent with the land number in the contract. Moreover, in the United States, land number is an important legal basis for land ownership disputes.

American state governments make laws and regulations on land and control the use of land, so investors need to make corresponding use planning reports on the land they buy.

In the United States, houses are basically single-family, and each family occupies a piece of land. Privatized land needs to cooperate with government planning, so the government has special laws to plan the use of land to ensure the rationality of urban planning. If the investor's land needs to be transferred, the use of the land can also be restricted. Investors in China usually ignore the importance of land use planning, which will bring unnecessary trouble later.

Pay taxes strictly and reduce the vacancy rate.

At present, the vacancy rate of real estate in China is above 20%, and there are many people who own two or more houses, among which the proportion of housing as investment is large. Although several large and medium-sized cities began to follow the example of the United States to levy real estate tax this year, the tax rate is very low, only about 0.5%, and the effect in curbing the vacancy rate of houses is not obvious.

In the United States, investors often feel relaxed after completing the transaction, but the problem of tax payment will also follow. If there is a house, there is a property tax, which is generally 1%~3%. The real estate tax you pay becomes the holding cost of the house you own. This policy has greatly reduced the vacancy rate of the US real estate market and also controlled speculative real estate speculation.

Don't be fooled by high returns.

Although most China people buy houses in the United States because of emigration or studying abroad, with the instability of the domestic real estate investment market, the number of investors is rising. High return is one of the most attractive places, but it is also the most easily carried away.

Therefore, investors should keep a clear head in the face of high yield, synthesize all kinds of information for textual research, or find a reliable and legal intermediary for yield consultation.

On the Permanent Rights of Real Estate

Permanent land ownership in the United States is a well-known thing, but it is also a relative statement.

In the United States, permanent property rights do not mean complete ownership and inheritance rights. If land property rights are completely private, property tax is the most basic guarantee for the permanent holding of real estate. As a property tax, it has to be paid every year. Because the United States is a federal country, the system of collecting property tax in different States is different, and the annual quota is also different.

If you want to turn a property into an inheritance, in addition to the property tax, the inheritance tax is also an important guarantee for the permanent right of the property. The inheritance tax in the United States has a progressive tax rate. The higher the property valuation, the higher the tax rate. Therefore, Americans are equivalent to raising the permanent right to use their houses with high property and inheritance taxes.

Tips for buying a real estate base

In the United States, residential bases that need to be sold need to be registered with the US Consumer Financial Protection Bureau in Washington, D.C., otherwise any form of sale is illegal. Make sure you know the real estate report and all other information about buying real estate. In the United States, it is illegal for companies that do not provide you with real estate reports to sell residential bases.

Don't pay any money to any intermediary or dealer before the ownership of the property is transferred to you; The owner's property right insurance policy is a certificate to ensure that others do not claim real estate ownership, lien or mortgage; Compared with internet investment in real estate, it is more reliable to find a real estate agent who can represent the seller, and make sure that this agent is a company registered in the place where the house is sold.

The above are some suggestions for buying a house in the United States, hoping to help investors better understand the policy of buying a house in the United States, reduce risks and make investment safer.

(The above answers were published on 20 15- 10-22. Please refer to the actual purchase policy. )

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