What details should I pay attention to when buying a house in America? What should I pay attention to when buying a house in America?

What details should I pay attention to when buying a house in America? New york and San Francisco in the United States are the cities where China investors invest the most. It has become a trend for China people to buy houses in the United States. According to the latest data from June 5438+ 10, the total amount of overseas housing invested by China in the first half of June 20 14 soared by 84% compared with the same period of last year. What details should I pay attention to when buying a house overseas and in the United States? These details should be remembered. Budget China people, like investors all over the world, know how to calculate the cost and choose a good investment location. In addition, many investors have gained income by investing in domestic real estate, so they are optimistic about buying a house overseas and investing in home ownership. But be sure to calculate an account to see if buying a house will affect the original quality of life. If you don't have enough funds and don't consider your own situation, you just want to buy an overseas house, which affects the quality of life and is too risky, then it is not worthwhile. If you choose to buy a house in the United States for your children's education, it is best to consider where to buy a house through state, city and even school district education resources, school rankings and public security. If it is an investment, we should consider the surrounding employment environment, traffic conditions and other important factors; If you live in your own house, you must be more careful. Besides education, community environment and traffic climate, you should also pay special attention to whether there is a Chinese community, whether it is convenient to communicate with China people and your circle of friends. After the information defines your own needs, the next thing to do is to do a good job of research. Before buying a house, listen to the experiences of friends around you through the massive information resources on the Internet to increase your understanding of buying a house in the United States. More importantly, we should not only listen to unilateral opinions, but also learn more and obtain useful information in an all-round way. When an intermediary buys a house overseas, it is necessary to find a reputable intermediary, so that it can be bought with confidence and the future return can be guaranteed. Property rights It is very important to pay attention to the safety of property rights when buying a house in the United States. If you buy a house with unknown property rights, it will seriously affect the future sale or the future value of the property. More and more people invest in American home ownership, and buyers also have certain requirements for return on investment. Many people only look at return and ignore other costs. When buying a house, the first thing to pay attention to is whether there is any income after removing a series of expenses such as property tax and property fee in the holding stage. What processes should I pay attention to when buying a house in the United States? 1. Determine the purpose of buying a house. The criteria for choosing a property are different for different purposes. If it is self-occupation, it is necessary to carefully examine the current situation of real estate, including the community, surrounding environment, supporting facilities and other issues; If it is an investment, more consideration is given to future appreciation. Try to choose a property with high cost performance, low investment cost, good future development prospects and easy rental. 2. Lock in the purchase area. The United States has a high level of urbanization. Buying a house is not as close to the city center as possible, but depends on the neighborhood where the property is located. A sten, international real estate investment manager of Meiya Real Estate Group, said that there will be different communities in the same area, maybe just across the street, but the price difference is several hundred thousand dollars. Before buying a house, please ask the real estate agent to introduce you to the relevant data of the community. If you have the conditions, you can take a walk in the community and get to know it more intuitively. 3. When choosing a real estate agent in the United States, the commission of both buyers and sellers is paid by the seller, so it is more reassuring for buyers who don't know the local situation to trade through professional brokers. "Because the housing system in the United States is * * * networked, the China agent of Meifang Bar can query all the housing information in the system, and the United States has strict legal constraints on real estate agents, so fraud rarely occurs." A sten said, so buyers only need to find a broker who can communicate freely and close his eyes through domestic professional institutions or go to the local area. 4. China people can apply for loans when buying a house in the United States, but it is relatively difficult to apply. If you want to borrow money to buy a house, the buyer needs to get a pre-approval letter from the bank first, and then determine the amount you can borrow before choosing a house. Because it takes one or two months from application to pre-approval letter, the seller may not have the patience to wait for you. At present, most China customers who buy a house in the United States choose to pay the house price in full in cash, which is also their advantage in buying a house locally, because sellers prefer to sell their houses to customers who can pay the house price in one lump sum. 5. Signing a house purchase contract After a period of house selection and house inspection, the broker will give a reference price according to the real estate situation and market performance. The buyer determines the preliminary purchase price according to the reference price and the seller's quotation. Subsequently, the broker will make an offer to the seller's broker. If the price is agreed, a formal purchase contract can be signed. At this time, the buyer needs to pay 20% of the house price as a down payment and deposit it in a third-party supervision account. 6. house inspection the maintenance cost of the house is one of the important expenses for holding American real estate. If you buy a second-hand house, after signing the purchase contract, you must ask a professional house inspection agency to conduct a comprehensive inspection and issue a house inspection report. If problems are found, you can negotiate with the seller to solve them, ask the seller to be responsible for maintenance, or reduce the house payment. If a particularly serious housing problem is found, buyers can also choose to cancel the housing transaction. 7. Property transfer investigation About two weeks after the signing of the house purchase contract, professional property transfer agencies in the United States will conduct a transfer investigation, mainly to investigate whether the seller's property rights are clear, and will issue property transfer documents after confirming that there are no problems. Because there are professional institutions to check, there is generally no such thing as one room and two sales and unclear property rights in the United States. 8, buy home insurance in the United States to buy real estate at the same time, generally will buy home insurance. If it is a loan to buy a house, the lender will ask the buyers to buy home insurance before the transfer. In addition to the basic insurance items, in areas with frequent natural disasters, you need to take out a natural disaster insurance, such as hurricane insurance in the southern United States and insurance in California. 9. Transfer of property rights Transfer of property rights: After obtaining the property rights transfer documents, the buyer will transfer the balance to a third-party supervision account, and then transfer the property rights. After about two weeks, the buyer can get the title deed. The website of the local government will be updated once every six months or so. Buyers can log on to the local website, enter their own names and find their own properties.