苏富比国际地产经纪|CalBRE#:01920606

YuFei (于菲) 微信:lahome168|E-mail: lahome168@yahoo.com

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美国人贷款买房条件:

1:准备首期资金证明,银行账户证明超过房价的20% 资金

2:申请银行的pre approved letter。既是预先批准贷款信,是银行通过审核购房者的收入和资金证明后开出的允许贷款的金额的证明。美国人/绿卡持有人贷款需要审核的文件为:2年收入证明,2年报税证明和2年信用记录。

外国人贷款买房的条件:

美国主流银行不做外国人房屋贷款,少数商业银行做外国人贷款,但是因为外国人无法提供上述文件及证明,风险增加,外国人购房首付比例要求在40%以上,首期资金需要预先存2个月以上的月结单,有些银行需要额外的储蓄金,贷款利率也较高,由于外国人贷款手续复杂,审批时间长,需要提前几个月甚至几年提前准备资金到位,如果您非美国身份但是需要贷款买房可以先发邮件给我们,我们帮您联系本地的贷款银行。

For qualified foreign investors, it is possible to get a loan from a US bank when buying a property in US. However, the loan is typically 50-60% of the purchase price or less. In other words, the down payment must be 40-50% or more of the purchase price. For a qualified foreign investor, obtaining a loan is relatively easy,however the interest rate charged may be more than for a US resident.Also you need a valid visa and some documents to prove your assets in your own country to secure your mortgage.