Even if the comprehensive score is good, the lender may refuse to apply for a loan if he can't see the loan applicant's good debt-to-income ratio or bank account documents. How to deal with it: prepare sufficient and necessary documents and choose more borrowers at the same time. If this is still rejected, it is likely that you need to spend some time to revise your comprehensive score, or choose another house with a relatively low price.

Relations with family members have deteriorated.

According to LendingHome's recent data survey report, about 3/5 millennials and Generation X (born in 1966- 1980) disagree with the other half, resulting in friction. If you want to avoid family tension caused by buying a house. Before looking for a house step by step, we should systematically discuss the important links, bearing in mind that both husband and wife want Qi Xin to work together, and family happiness is the most important.

I can't find the house I like.

At present, the residential market in the United States is selling rapidly, which is more difficult for some buyers who want to allocate transitional houses or prepare to move in immediately. How to deal with it: there is no need to rush for success, and sometimes it is too late to wait. We can find as many houses as possible, pre-approve housing loans in advance, and ensure that we can lend money in time when we see the houses we like.

Bidding failure

In the case of tight inventory, a set of good housing with high cost performance usually attracts several customers. How to deal with it: it is best not to be guided by the correct mentality and conduct irrational transactions. Make a cost budget in advance, understand the fluctuating indoor space, and abide by this price.

What taxes do I have to pay to immigrate to the United States? individual income tax

Individual tax is one of the common taxes, which is required to be paid by any citizen or resident of China (American green card), or by studying abroad or temporary travelers.

In the United States, personal income tax is levied according to the step tax rate, with the lowest step tax rate of 10% and the highest tax rate of 39.6%. Take 2065,438+05 as an example. For taxable income below $9,225, I have to pay 65,438+00% corporate income tax, and the portion of $9,226-37,450 accounts for 65,438+05%.

real estate tax

Real estate tax is levied by local governments, and all states in the United States have investigated it. The average tax rate of real estate is less than 1%, accounting for half. The real estate tax in the northern States and the West Coast New District of the United States is relatively low, mostly at1-1.5%; Relatively speaking, the real estate tax in the southern States of the United States is generally higher. Among them, the real estate tax is the least in Hawaii, only 0.28%; The highest is New Jersey, reaching 2.38%.

Attention! Missing or not paying the property tax is a very serious violation of discipline. The government department has the right to take the property away for auction, so friends should pay taxes according to law ~

business tax

The sales tax rate varies from state to state. To some extent, it can be said that the sales tax rate directly depends on the difference in the cost of living.

Sales tax is basically a tax that American imperialists contact every day. Except for some daily necessities, such as agricultural products in shopping malls, most goods in the United States are priced without sales tax. Generally speaking, the bill will clearly indicate the taxes and fees included in this transaction when paying. So in the United States, it is the most common thing to drive to a tax-free state to buy big items.

Some people may think, what about online shopping? Don't worry, the wet machine has a plan! To buy things on the Internet platform, you only need to pay the sales tax of your state.

income tax

Many people can regard income tax and sales tax as a kind of tax, but in fact this is not true. It is a tax levied by the government on special goods or services, such as civil aviation travel tax, spirits, liquor, beer sprinkling, tobacco and telephone surcharges.

The income tax levied by States in the United States is different, the specific content is different, and the tax rate is different. The highest average income tax is in Vermont, reaching $1029; The lowest is Wyoming, with only $285.

gift tax

When family and friends give gifts to each other, they are likely to face gift tax and house inheritance tax, which are all taxes levied on the giver. The tax standard of gift tax is $65,438+$04,000 per donee per year. If the gift tax exceeds the tax threshold for housing inheritance tax, it may need to be taxed.

When family members and good friends give extra-large amounts of property, they must flexibly use the tax-free quota per person per year, declare it immediately, and pay attention to filing. Gifts between husband and wife or gifts paid to schools and hospitals in the form of training fees and medical expenses do not need to be taxed.