Can I buy a house in America after emigration? What should I pay attention to?

At present, the real estate market in the United States is at a low point, and the loan interest rate in the United States has reached the lowest point in history, so it is most appropriate to invest in real estate in the United States at this time.

After investing and immigrating to the United States, there will be three types of people buying houses in the United States, namely: first, entrepreneurs. Most of these people like to buy houses with more than $6.5438+0 million; Second, students who graduated from the United States. Due to limited economic conditions, such people generally choose to buy affordable housing below 800,000 yuan; Third, the rich second generation and other nouveau riche. Such people may have nothing but money, and the houses they buy are generally more than two or three million dollars.

So, what do you need to pay attention to when buying a house after investing in the United States?

1. You can't go to mortgage to buy a house without a job in the United States.

At this point, the Bank of America has strict rules, that is, if you need a loan because you can't pay off the house payment in one lump sum, it is impossible for the bank to give a loan to an investment immigrant who has no job, because no job means no credibility, no matter how rich your family is. But as long as you have a job, a stable income, a salary file and no bad record, you can easily get money from the bank.

Second, buying a house is better than renting a house.

At present, the housing price in the United States is not expensive, but the rent and utilities are much more expensive. Buying a house is not as good as renting a house. In addition, buying a house does not require personal income tax. In order to encourage people to buy houses, the federal, state and local governments in the United States have adopted many laws and policies that are beneficial to buyers, such as tax exemption for buyers and low-interest loans. Take personal income tax as an example. In the United States, a person's annual personal income tax accounts for about 20%~40% of his annual salary. After buying a house, he can pay the monthly income to the bank to pay interest, but not to rent a house.

Need to be reminded that buying a house should also consider high property tax. For example, for a house with a price of $6.5438+0 million, the property tax can reach $20,000 a year, plus insurance, utilities and development fees. And the cost is not necessarily small.

Third, buying a house cannot be counted as investment immigration.

It is ok for immigrant applicants who are applying for a green card to buy a house in the United States. However, if this immigrant immigrates through EB-5 investment, don't think that even if you buy a house, you can immigrate even if you invest in EB-5 project. This is totally different. In other words, the EB-5 investment immigration project has nothing to do with whether you buy a house in the United States. Simply buying a house can't help you achieve investment immigration.

Fourth, there is a difference between having property rights and having the right to live.

In the United States, you can buy a house with property rights or residence rights. Owners of houses with property rights can freely buy, sell and rent, while houses with residency rights have only been owned for more than ten years and can only be rented and sold through property neighborhood committees, and the price is several times cheaper than houses with property rights.