The American old lady's house loan is based on the following two points:

1, the loan interest rate is low. The loan interest rate in the United States is floating. First, it fluctuates according to the loan term, such as 3% in the first five years, and changes according to the market interest rate after five years. Second, according to the lender's credit score and asset floating. The higher the credit score, the better the assets and the lower the interest rate. The minimum loan interest rate for American old ladies is 2.5%, and the interest rate for inactive deposits is high.

Even if you don't rent it, the interest rate of this loan is extremely low, and the monthly repayment is not much, so you can afford it. Will not occupy the part with high salary. If the loan is 15, the house will be the old lady's own after 15. It's normal for old ladies to sell houses, and it's normal for 15 houses to appreciate twice. Under normal circumstances, of course, but a financial crisis is different.

2, the return is high. The net rate of return on buying a house in the United States is generally around 5%, and the higher rate is 6%. This net income refers to the removal of all expenses, including property tax, property fees, insurance, maintenance and lease management fees. As long as the net return of real estate rental is higher than the loan principal and interest, it is cost-effective.

Buy a house in America, and buy a house in the us-house with Stars and Stripes.