First of all, you have to find out what kind of house you want to buy. There are many kinds of houses in the American real estate market, and the main investments are single-family villas, conjoined villas and apartments. For property buyers, single-family villas have more investment value, while apartments have no value. After the apartment is completed, it needs to spend a lot of money to maintain, so the value will decrease year by year, while the single-family villa is just the opposite. Although the house also has aging problems, the land where the house is located will always be owned.

2. Installment payment of land transfer fees

In China, the land transfer fee is paid in one lump sum when buying a house, while in the United States, it is paid by installments, also known as local tax, which generally accounts for 20% of the house and is paid on schedule every month. The monthly local tax is not fixed and will increase according to the growth of GDP and the price of housing assets.

3, housing loans are difficult.

It is difficult for foreigners to borrow money to buy a house in the United States, because almost all the big banks in the United States do not provide foreign loans to buy a house. At present, HSBC can provide foreign guests with 60% loans to buy American real estate, but this goal is limited to VIPs who have $60,000 abroad or have more than $654.38 million in domestic deposits.

4. The transaction cost is relatively high.

Buying a house in the United States requires paying property tax, which varies from state to state in the United States, and is generally a little more than 1%. The government will make an evaluation price for each house, and then calculate the property tax according to the evaluation price. At the same time, I also need to buy home insurance, a 500,000 house. The housing insurance premium is about $65,438+000 per month, which is $65,438+0,200 a year.

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