我这个不是广告，求大侠们指教，或者了解相关情况朋友的来讨论一下。 美国的朋友周末有给一个房产信息，马里兰大学附近，一套3卧室的小楼，叫价17万美元，外国人在当地无信用证明无法贷款，也就是要全款人民币100万。目前出租市价，应该能一个卧室500-600美元，一个月1500美元。扣除房产税和管理费，一年能拿到1万1-1万2美元回报。 单单从数据上看，回报非常诱人，而且3月的时候，在西雅图的同学说，12年3月的一套33万的房子，翻新后在12年8月50万卖出，感觉也是一个上涨趋势？ 心动有几方面原因： 投入不高，没有负债。如果在新加坡，100万人民币连个房间都买不了，随便一个公寓都是在有负债的情况才能拿下。土人觉得任何贷款都很有压力，小心脏都随着利率波动。目前国内，新加坡都有房产，如果能在美国有，也算是分散投资？觉得新加坡太小，没有自然资源，也担心像某些人说的变成台湾第二。单单从他们如此看重紧张马来西亚大选，就觉得挺悲哀。如果孩子以后去美国读书，发展，也算是提前给他们打个基础。放心朋友，后期的出租，管理都不太担心。 不过，因为刚接触到这方面信息，其实挺多疑虑，也还没来得及和朋友细谈。整个手续有多少额外费用。买卖是否受限制，卖的话利得税又是如何计算。买卖的过程要持续多久，是否需要本人到场。（这个我查到，可以自己到美国大使馆开个全权代理的授权书，寄给朋友，我们就不用到场） 应该还有其他没想到的问题，请大家敞开了来谈，我也能多了解了解。感觉鞭长莫及。可以理解，不过如果所有手续都合法，买好了，朋友帮忙出租，管理还是问题不大吧？
就是想了解会有哪些问题是想象不到的。关键是租不出去，要还贷，还要承担杂费和房产税，修缮费用等等，一年下来可能超过你房子价格的20%，不懂具体怎么算，但是通常房子便宜的地方租客都不多。据说，米国有的房子很便宜，一块钱的都有，原因在于高维护费用，什么卫生费、除草费、。。。。。。，
还一个就是出租问题，与肿国和坡县的人口密度是不能比的，咋能保证出租？也想了解！这个不可以贷款的，所以不考虑贷款利率的变化。
你还提到的3点如下。
1.杂费 100/M
2.房产税 4000/Y
3.维护费 – 未知
出租，这个在大学附近，也近地铁，以一般人思维，应该还行？
感谢你的意见。
休斯敦有个医学中心，我觉得那边应该不错，可惜价格就比较贵了您这是原创还是转帖呀？转帖的,还是原创的？在美国买房流程（转）
1
Strengthen your credit. The higher your FICO score, which ranges from 300 to 850, the better rate you’ll qualify for. Get a free copy of your credit report so you can see what the lenders see on your credit history. Pay off credit cards and resolve any credit disputes or delinquencies.
2
Determine how much house you can afford, and how much you’ll likely be able to borrow.
1.You will be expected to put down 10-20% of the appraised value of a home.[1] (Note that the appraised value may be higher or lower than the selling price of the house.) If you have $30,000 saved for a down payment, for example, you can use it as a down payment for a home between $300k (10% down payment) or $150k (20% down payment). Putting down less often, but not always, requires you to pay private mortgage insurance (PMI), which increases your monthly housing cost but is tax deductible.
2.Find out what ratios lenders are using to determine if you qualify for a loan. “28 and 36” is a commonly used ratio.[2] It means that 28% of your gross income (before you pay taxes) must cover your intended housing expenses (including principal and interest on the mortgage, as well as real estate taxes and insurance). Monthly payments on your outstanding debts, when combined with your housing expenses, must not exceed 36% of your gross income. Find each percentage for your monthly gross income (28% and 36% of $3750 = $1050 and $1350, respectively). Your monthly payments on outstanding debts cannot exceed the difference between the ($300) or else you will not be approved.
3.Calculate your expected housing expenses. Estimate the annual real estate taxes and insurance costs in your area and add that to the average price of the home you’d like to buy. Also add how much you can expect to pay in closing costs. (These take in various charges that generally run between 3 to 6 percent of the money you’re borrowing. Credit unions often offer lower closing costs to their members.) Put the total into a mortgage calculator (you can find them online or make your own in a spreadsheet. If the figure is above 28% of your gross income (or whatever the lower percentage used by lenders in your situation) then you will have a hard time getting a mortgage.
4.Determine whether you need to sell your current home in order to afford a new one. If so, any offer to buy that you make will be contingent on that sale. Contingent offers are more risky and less desirable for the seller, since the sale can’t be completed until the buyer’s house is sold. You may want to put your current house on the market first.
3
Get pre-approved (not pre-qualified) to get the actual amount you can pay. Apply to several lenders within a two week period so that the inquiries do not damage your credit report. Do this before contacting a real estate agent so you have a firm idea of what you can afford, and you don’t accidentally fall in love with a house that you cannot afford.
1.If you qualify, check out first-time buyers’ programs, which often have much lower down payment requirements. These are offered by various states and local governments. You may also be able to access up to $10,000 from your 401(k) or Roth IRA without penalty. Ask your broker or employer’s human resources department for specifics regarding borrowing against those assets.
2.If you can’t afford a 10%-20% down payment on your home, but have good credit and steady income, a mortgage broker may assist you with a combination or FHA mortgage. In that, you’re taking out a first mortgage up to 80% of the value of the home, and a second mortgage for the remaining amount. While the rate on the second mortgage will be slightly higher, the interest on it is tax-deductible and combined payments should still be lower than a first mortgage with PMI. If you’re buying new, consider the Nehemiah Program to get assistance with your down-payment.
4
Go house shopping. Unless you’re under the gun time-wise, look at as many homes as possible to get a sense of what’s available. Don’t rush into buying if you don’t have to. Read more in How to Find Your Ideal House.
1.Sign up for an MLS (Multiple Listing Service) alert service to search on properties in your area so you can get a feeling for what is on the market in your price range. Your agent can do this for you. (If you sign up through a real estate agent, it is poor form to call the listing agent directly to see a house. Don’t ask an agent to do things for you unless you’re planning to have them represent you–they don’t get paid until a client buys a house and it’s not fair to ask them to work for free, knowing that you’re not going to use them to buy your home!)
2.Find a good real estate agent to represent you in the search and negotiation process. The real estate agent should be: amiable, open, interested, relaxed, confident, and qualified. Learn the agent’s rates, methods, experience, and training. Go into exhaustive detail when describing what you want in a home: number of bathrooms and bedrooms, attached garage, land and anything else that may be important, like good light or a big enough yard for the kids. Read more in How to Select a Realtor.
3.Define the area you’d like to live in. Scout out what’s available in the vicinity. Look at prices, home design, proximity to shopping, schools and other amenities. Read the town paper, if there is one, and chat with the locals. Look beyond the home to the neighborhood and the condition of nearby homes to make sure you aren’t buying the only gem in sight. The area in which your home is located is sometimes a bigger consideration than the home itself, since it has a major impact on your home’s resale value. Buying a fixer-upper in the right neighborhood can be a great investment, and being able to identify up-and-coming communities–where more people want to live–can lead you to a bargain property that will only appreciate in value.
4.Visit a few open houses to gauge what’s on the market and see firsthand what you want, such as overall layout, number of bedrooms and bathrooms, kitchen amenities, and storage. Visit properties you’re seriously interested in at various times of the day to check traffic and congestion, available parking, noise levels and general activities. What may seem like a peaceful neighborhood at lunch can become a loud shortcut during rush hour, and you’d never know it if you drove by only once.
5.If you are unsure about the price, have the home appraised by a local appraiser. Never buy the most expensive house in the neighborhood! When appraising a home, appraisers will look for “comparables” or “comps”, homes in the area which have similar features, size, etc. If your home is more expensive than the comps, or the appraiser has to find comps in a different subdivision or more than 1/2 mile away, beware! Your bank may balk at financing the home, and you probably won’t see your home appreciate in value very much. If you can, buy the least expensive home in a neighborhood — as homes around you sell for more money than you paid, your home’s value increases.
5
Make an offer.
1.Include earnest money with your offer.–usually $5,000 to $10,000. Once you sign an offer, you are officially in escrow, which means you are committed to buy the house or lose your deposit, unless you do not get final mortgage approval. During escrow (typically 30 to 90 days), your lender arranges for purchase financing and finalizes your mortgage.
2.Make sure final acceptance is predicated on a suitable home inspection. Request the following surveys and reports: inspection, pests, dry rot, radon, hazardous materials, landslides, flood plains, earthquake faults and crime statistics. (You will generally have 7-10 days to complete inspections–be sure that your agent explains this fully to you when signing the purchase and sales contract.) A home inspection costs between $150 and $500, depending on the area, but it can prevent a $100,000 mistake. This is especially true with older homes, as you want to avoid financial landmines such as lead-paint, asbestos insulation and mold.
3.If you use the inspection results to negotiate down the price of your purchase, do not refer to the inspection or bids for work in your contract. The lending institution may request to see a copy of your inspection, which will supersede their appraiser’s evaluation.
6
Have a home energy audit completed on the house and ensure that the contract is contingent on the outcome. Getting a home energy audit is an essential part of the home buying experience. Not knowing what it really costs to heat and cool a home is a potential financial disaster waiting to happen. Home buyers make guesstimates when figuring out a new home budget. These estimates can be significantly incorrect and place families into dire financial circumstances.
7
Close escrow. This is usually conducted in an escrow office and involves signing documents related to the property and your mortgage arrangements. The packet of papers includes the deed, proving you now own the house, and the title, which shows that no one else has any claim to it or lien against it. If any issues remain, money may be set aside in escrow until they are resolved, which acts as an incentive for the seller to quickly remedy any problem areas in order to receive all that is owed.
Consider using a real-estate lawyer to review closing documents and represent you at closing. Realtors are unable to give you legal advice. Lawyers may charge $200-$400 for the few minutes they’re actually there, but they’re paid to look out for you.新房每年的房产税是总价3.6%，吓人吧。
旧房就低很多，1%-3%，至于怎么算，我还没弄清楚。
中介费是6%，没有交易税。要长期持有才划算。
下周末起，老公随同事一起看房子，人家是马上要买房了，我老公只是tag along，学习学习。
大学城、 医疗中心、energy corridor (石油公司的地盘)，就业机会多，近年人口增长快。
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