Benefits of buying a house in America:
1. Tax preference 1- The interest part of the house loan can be deducted. For example: a 500,000-dollar house, down payment100,000 years. At present, the lowest interest rate is only 3.65%, with monthly repayment 1, 80 yuan. In the first fifteen years of the loan, most of it is interest. If 20,000 yuan is interest, the interest will offset the income. If the personal income tax is paid at 15%, the interest of 20,000 yuan can be less than 3,000 yuan;
2. Tax incentives 2- Property tax can be deducted. If the property tax is paid at 1%, it will be 5,000 yuan a year. You can reduce it by 6.
3. Tax preference 3-The house is sold after living for two years, and the value-added within 600,000 yuan is tax-free. Even if you live in a house with a price of $500,000 for ten years, 1 10 doesn't have to pay any tax.
4. Tax incentives 4- Support local primary and secondary schools and other real estate taxes for the elderly (62 years old and above).
5. Preferential mortgage-the borrower can apply for a loan with a fixed interest rate, and the repayment will not be affected. The ratio has dropped below 4%. If interest rates fall again in the future
6. Local government subsidies-local governments often give subsidies of 5000-65438+ 10,000 yuan. On condition that it is continuous here.
7. When the elderly buy a house, the government will make up -40% of the house price, so that they can pay no money for a lifetime and don't have to pay by installments. In addition, local governments often give subsidies of 500-65438+ 10,000 yuan, so you can buy a house with very little money.
Down payment10.5 million, and then local government subsidy of 50,000-1 10,000 is deducted. I only need to pay 50,000-1 10,000, and I can have a house of 500,000, and this life will be over.
Most people who buy houses in America are young people with fixed income. The average house price is five times the annual household income. For young people with jobs, buying a house does not conform to the laws and regulations of American real estate and the access system of many people "(real estate. It is the State Real Estate Commission that enforces the law, including refusing to take photos. There are also special supervision institutions in various places to supervise the behavior of employees. Once a broker or salesman violates professional ethics, his license will be suspended or revoked, making it difficult to start a business.
In order to ensure the security of transactions, many states have specially set up a real estate demobilization fund system, which is used to cancel the broker's license when the broker is allowed and paid for his own mistakes, until the life and property of the repayment country are remitted to them through the neutral funds of a third party, and the seller also draws money from it, and the real estate agent also draws money through this institution, thus fundamentally eliminating the fraud phenomenon of the intermediary. The mortgage method is flexible. "Everyone is looking for a loan that suits them in the interaction. What is considered is related to the stability of work and income, not to age. The United States can borrow for up to 30 years. "Especially for the elderly, the bank will even pay the elderly, but once the old man dies, the ownership of the house will belong to the bank. "
The real estate agency industry in the United States implements the exclusive agency system, that is, a broker can only trade on behalf of one party. Both buyers and sellers have their own brokers, and two professionals negotiate the transaction. If the transaction is successful, the brokers of both parties will each charge a commission of 1%. Most students living and studying in the United States have plans to buy a house in the United States. Those who haven't bought yet are also actively looking at the house. When talking about the difference between buying a house in America and buying a house in China. They all say that compared with people in China, it is much easier and happier for Americans to buy a house. America is a country that encourages consumption. For them, it is more cost-effective for China people to buy a house in the United States than to rent a house. People like to buy a house and can afford it.
Buying a house is exempt from personal income tax. The federal, state and local governments in the United States have many laws and policies to encourage home purchases, and provide many preferential policies for home buyers, such as tax exemption and low-interest loans. Personal income tax in the United States is very heavy. Generally, tax accounts for about 20% to 40% of annual salary in a year. Living in the United States, the American tax law stipulates that individuals' monthly income can be tax-free for paying bank interest for buying a house, but not for renting a house.
Buying a house is a stable means of investment. Americans don't like saving, but they are happy to invest. Although the profit of buying a house is slow, it is basically only profitable. As we all know, only real estate can preserve and increase its value, and buying real estate is equivalent to ensuring that you can enjoy enough pension funds in your later years. Some elderly couples, who used to live in "luxury houses", sold them after retirement and bought a row of villas, thus having a considerable sum of money to support themselves.
Second, I want to buy a villa, the price is about 1.5 million, and I want to know how much I can borrow. ...
Normal mortgage, down payment of 30%, can be loaned to 1 10,000 or so! Note: This does not mean that you can borrow 654.38+0 million, but that you can only borrow 654.38+0 million at most! As for the conditions and procedures, you need to know more about them with the developer!
3. What is the maximum loan for buying a villa?
You can apply for a loan to buy a villa, but generally you need to pay more than 50% down payment. In other words, when you apply for a loan when you buy a villa, you can get about 50% of the loan at most. The specific loan amount depends on the bank's evaluation of your qualifications. The villa loan interest rate rises on the benchmark interest rate according to the applicant's conditions, and the general fluctuation range is around 10%.
4. How much can I borrow from a villa loan?
Usually, the bank mortgage loan is 70% of the assessed price, but we need to know the source of the loan percentage. The loan ratio is based on the assessed value of the collateral, and the discount is calculated at the assessed price, that is to say, it is also 70%, but the amount of increase in the assessed value is different. Every bank will cooperate with four or five evaluation companies, and the evaluation value of each evaluation company is different, so the loan amount is composed of the loan ratio and the evaluation value. This is why people often say that a bank can achieve 890%, because their evaluation price is lower than other banks, and naturally they can give a high percentage, playing a numerator and denominator game. Villaloan is a loan from a bank for buying a house, and the main influencing factors are the house price and location of the villa. The factors that affect the loan amount and life span are as follows: 1. The price and location of the villa: the total price of the villa will mainly affect the amount of loans that can be made. For example, the loan amount of the bank to the villa is ≤50%, which fluctuates according to the unit price of the house. The higher the house price, the lower the quota (some banks limit the quota according to the total price, but generally it is limited to 50%). Most Chinese banks also have subdivision standards for the location of villas, which has a partial impact on loans. Second, whether it is a second-hand villa: some banks stipulate that the loan period of second-hand villas should not exceed 20 years; The loan amount is also limited to a maximum of 50%, and generally does not enjoy preferential interest rates; The purchased second-hand villa is appraised by the real estate appraisal agency established by the bank, and the bank finally determines the loan amount according to the appraised price; It is suggested that readers who want to buy second-hand villas have a certain understanding of the bank's loan regulations for second-hand villas and have a good idea of the loans they can get in the future. Third, the total amount of loans: banks also have certain restrictions on the total amount of loans for individuals. If the total amount exceeds a certain standard, the loan ratio will be reduced. If the sum of the first two loans exceeds 5 million, the loan that could have been 50% will be reduced to 40%. Moreover, the interest rate of bank loans to villas is generally controlled at 6~ 12%, and many banks will rise by 5 ~10% on this basis. Fourth, the lender's household registration: Generally speaking, the loan amount and proportion that foreigners, Hong Kong, Macao and Taiwan people can get have been reduced to a certain extent, usually by 10% on the basis of the general terms, and the household registration outside Shanghai will also affect the loan amount. Creditor's reputation: The lender's credit evaluation is the most critical of all these points. Property buyers should try their best to provide excellent loan repayment records, credit certificates, good income level certificates, bank deposit certificates, etc. , and strive for the bank's lower mortgage interest rate ceiling and maximum loan amount. Applying to a bank with a good record can also speed up the loan application time.