Does $500,000 immigration to the United States mean deposit or payment?

EB-5 (Employment Based Fifth Preference) is a visa category in American immigration law, which is established for overseas investment immigrants. It is a convenient channel with the shortest application approval time and the least qualification restrictions. The general investment threshold is $654.38+$00,000, which can be reduced to $500,000 if the investment object is located in the "target employment area". Foreign investors can invest in enterprises in the United States, create 10 jobs for American citizens or permanent residents, and then get a two-year conditional immigrant visa; 90 days before the expiration of the two-year period, if all the jobs created by this investment have been realized, the conditions can be lifted and you can become a permanent resident of the United States.

Application conditions for EB-5 investment immigrants in the United States:

1. Investors must be at least 2 1 year old and have no criminal record.

2. No business background, education and English requirements.

3. Invest US$ 500,000 in the regional center to directly or indirectly create 10 jobs.

4. It can prove the legal source of the above investment funds.

5. Spouses and children under the age of 2 1 can accompany them.

Application process of EB-5 investment immigration project in the United States;

1. Signature of the applicant: immigration intermediary service agreement, confidentiality agreement, investment agreement, etc.

2. The applicant remits the investment funds into the supervision account.

3. Make the materials needed for the application

4. The lawyer submits an I-526 application to the Immigration Bureau.

5.USCIS (United States Immigration Service) will generally issue an I-526 approval letter within three months.

6. Investors submit visa applications to the Visa Center of Guangzhou Consulate.

7. The Immigration Bureau will issue immigrant visas within 6-8 months.

8. Log in and get a conditional green card.

Submit an I-829 application 3 months before the expiration of 9 years or 2 years, cancel the green card conditions and get a permanent green card.

EB-5 classification of common items

According to the investment target of the funds raised by EB-5 investment immigration project or the asset status as repayment guarantee, we can divide EB-5 investment immigration project into single project category and combination category.

According to the income setting of investment funds, we can divide EB-5 investment immigration projects in the United States into loans and equity.

The following is a detailed introduction of various classifications:

According to the investment target, it is divided into single project category and combination category.

"Single Item Category"

Investors' investment funds will be invested in a single project, and the risks faced by investors are the risks brought by a single project, such as poor management or bankruptcy of the project.

Comment: The risk is high, so consider carefully.

"Portfolio category"

A project has multiple investment targets, and investors' investment funds will be invested in different targets. If there is a problem with one target, it will not affect the returns of other investment targets, just like our common stock funds pool investors' funds and invest in different stocks to obtain relatively stable returns by diversifying risks.

Comments: Diversification of investment and risk conforms to the modern investment concept.

According to the income setting of investment funds, it is divided into "loan category" and "equity category"

"loan"

The investor's investment belongs to the loan to the project party, and the interest paid by the project party is extremely low (generally 3% annual interest, after deducting the management fee, the investor can actually get about 1%). In return for low-interest loans, investors get green cards; Generally speaking, the project party will use the project's own assets as a guarantee for the loan.

Comments: For conservative investors, the key is to confirm the status of collateral, such as whether to repeat the mortgage. In addition, it is especially recommended that the applicant choose the project where the collateral is easily divided, because the transnational litigation procedure is complicated and the cost is high. Once there is a problem of creditor's rights, divisible collateral (such as apartments with independent property rights) is easier to recover than the whole packaged collateral (such as factories).

"category of interests"

The investor's investment funds will directly or indirectly own the equity of the invested project (through the shareholding of the management company) and can participate in the decision-making (voting rights) of major issues of the project to a certain extent; Can participate in company dividends.

Comments: Suitable for enterprising investors. As long as there are good projects, green cards and return on investment can be realized. At the same time, as the owner of the investment target, investors are easier to recover when there are problems in the project than borrowing.

Possible risks of EB-5 project

The core of American EB5 investment immigration policy is to create jobs through investment. The Immigration Bureau reviews the legality of the procedure, but does not guarantee the project operation and investment profit and loss. Theoretically speaking, there is some uncertainty about the cancellation of green card conditions and the recovery of investment principal for American investment immigrants. Investors can regard it as a real investment behavior and weigh their own risks accordingly. EB5 immigration projects in the United States have attracted more and more applicants' attention, and the number of regional centers in the United States has also increased rapidly, and various EB5 projects have emerged one after another. How to treat the risk of American immigration rationally, objectively understand all kinds of EB5 projects in the immigration market, grasp the core of American immigration law, and successfully realize the American immigration dream through professional and steady immigration companies still needs the careful choice of China investment applicants.

Can a conditional green card be converted into a permanent green card?

According to the provisions of the US immigration law, investors will first get a temporary green card for two years. After two years, they will examine the following two points and decide whether to change to a permanent green card:

1, whether the investor's investment directly or indirectly created 10 jobs;

2. Whether the investment is still in the project when the investor applies for share conversion.

American investment immigration law requires immigrant applicants to invest 500,000 US dollars in regional centers approved by the US government to create 10 employment opportunities, which can be defined as "direct creation" and "indirect creation". The Immigration Department requires that every complete application must submit a business plan, which must include the IMPLAN (employment creation model) recognized by the Immigration Department. Once the plan and job creation model are approved together with the investor's application, two years later, the Immigration Bureau will strictly review the implementation of the business plan at that time. If the business plan is implemented as scheduled and the project objectives are achieved, you can apply for I-829 to cancel the conditional green card through relevant laws and regulations, so as to obtain an unconditional green card.

Comments: Creating jobs is the key to lifting the green card conditions. Whether jobs can be created smoothly generally depends on two points:

1. Feasibility of project business model: Unsuccessful business model will obviously have a negative impact on the number of employees and investment income;

2. Whether the project is used to expand the operation of existing projects or to build a brand-new project from scratch: If it is a brand-new project, investors must carefully consider the construction period of the project and some risk factors in the construction process. Once the investment and construction process is delayed, it will inevitably affect the cancellation of investors' green card conditions.

Can investors get back the $500,000 principal after five years?

Since the investor's return on investment principal is guaranteed by the project party, the repayment risk must be comprehensively evaluated in combination with business model, cash flow calculation and collateral status.

Can the investment of $500,000 be repaid in five years? According to the American immigration law, the investment funds of investment immigrants cannot be guaranteed, and they must be risky investments, so there is no guarantee that they will be able to return their capital after five years. $500,000 was exchanged for the American green card of the whole family.

Opinion: Applicants are advised to assess the repayment risk according to the following principles:

1. The risk of a combined project is less than that of a single project;

2. The recourse difficulty of equity guarantee project is less than that of loan guarantee project;

3. The project risk of divisible recourse of collateral is less than the project risk of overall packaging of collateral.

Project advantages:

1) The US-China International Office in the United States has a group of professional investment consultants and lawyers who are proficient in US immigration applications and immigration laws and regulations, and can screen the most secure immigration projects for customers.

2) EB-5 investment immigration in the United States is a convenient channel with the shortest application time and the least qualification restrictions among all kinds of investment immigrants in the United States.

3) Appropriate investment amount: the general investment threshold is $654.38+$00,000, which can be reduced to $500,000 if the investment target is located in the "target employment area".

4) Applicants only need to prove the legal source of personal funds, which is not limited by language, education, age and business background.

5) If you can get an American green card in a short time, foreign investors can invest in enterprises in the United States, create 65,438+00 jobs for American citizens or permanent residents, and then get a conditional immigrant visa for two years. If all the jobs created by this investment have been realized 90 days before the expiration of the two-year period, you can cancel the conditions and become a permanent resident of the United States.

6) You can freely enter and leave the United States without being restricted by the immigration supervisor, and your normal business and life in China will not be affected. Not living in the United States for a long time does not affect their exchange for permanent resident status.

7) You don't need to start your own business, but participate in the operation and management in person and directly hire 10 employees.

8) Spouses and children under 2 1 year-old can get American green cards at the same time and enjoy the same benefits as American citizens.

9) The application result can be known within 2 months after delivery, and the immigrant visa will be issued within 6-8 months.

10) applicants can move their families to live anywhere in the United States and enjoy a new life with the same rights and interests as American citizens.

1 1) Applicants can freely enter and leave most developed countries in the world, such as the United States and Canada, which will help applicants expand their business to the United States and even the world.

12) for the applicant's children, they can enjoy free basic education in the United States and have priority to enter many excellent universities in the United States. The admission probability of Harvard, Yale and other famous schools has increased from 3%-5% to 95%- 97%, and you can choose to work in the United States or other countries in the world.

13) The social security welfare system in the United States is also relatively comprehensive and perfect, including medical services, education subsidies for children of retirees, social security benefits, unemployment benefits, subsidies for children of low-income families, vocational training subsidies for the unemployed, and nutrition for school children.

14) EB5 has many projects and flexible selection.

If you have any other specific questions, please feel free to consult me. Good luck with everything.