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Want to buy a house in America? These methods can help you solve it.
Investing in American real estate is an ideal investment and financial management method for China people in the United States. Therefore, people are not satisfied with investing in only one property, but try their best to buy more. At present, banks are more and more strict in reviewing housing loans, and the difficulty of loans is rising. Under such a big situation, how can we get a loan smoothly?

1. Those who meet the loan conditions can apply for a loan.

There are more restrictions on applying for investment housing loans in the United States than for owner-occupied housing. In terms of loan ratio, investment housing loans can only be applied for up to 75%, which means that buyers have to pay 25% down payment, while self-occupied housing loans can sometimes be as high as 90%.

In view of the applicant's economic ability, the requirements for investment housing will be higher. Unlike the down payment from parents and friends, the investment house needs to check the customer's monthly bank statement for two months, and donations are not allowed.

In addition, the credit requirement for applying for investment housing is higher, usually above 660 points, while that for self-occupied housing is only 620 points.

Buyers of investment houses go to the bank for loans, depending on the debt-to-income ratio, which cannot exceed 43% to 50%.

2. Investment in housing loans

There are generally two forms of investment housing loans, one is to apply for loans with investment housing and obtain interest on investment housing; The other is to assume that you have a house and a net worth, and take out the net worth from the house to buy an investment house. The so-called home equity is a consideration standard for bank loans to customers to buy a house.

3. Don't choose a room with high risk and difficult loan.

From the perspective of investment, people choose different housing types, such as cooperative apartments and apartments, which will have an impact on applying for loans. Experts say that there is basically no possibility for cooperatives to invest, and banks will feel that the risk is too great; Condo is a little better than Co-op, but it also has many limitations. Banks also need to go through a lot of audits before they can get loans. If the pre-sale rate of apartments does not reach 50%, the commercial area exceeds 20% of the construction area, and the proportion of personal investment is too high, then the bank will not give loans to buyers.

It's a good idea to "keep the house by the house".

Many people mistakenly think that they need a lot of money to invest, but this is not the case. Especially when buying real estate, we should be good at using bank loans, that is, learn to borrow money to invest and make money with other people's money. Many people in China use loans to buy investment houses, and then use rental income to pay for monthly payments, local taxes and other expenses, so as to achieve the purpose of supporting houses with houses.

In view of the low interest rate of owner-occupied housing, many people even want to declare their housing when buying investment housing. Banks will judge whether the property purchased by customers is occupied or invested according to some conditions.

(The above answers were published on 2015-10-21. Please refer to the actual situation for the current purchase policy. )

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