U.S. professional real estate agent

Every Chinese friend and family planned and how to find and buy their own dreams of American homes before and after immigrating to the United States. But it is a process that requires the help of a U.S. professional real estate agent. As a veteran real estate agent in Northern California, I will introduce you to the relevant new immigrants and Chinese citizens to buy a house in California to learn the knowledge and process: the new immigrants out of the United States is certainly no record of the United States and credit and income records, so in terms of loans It must not be easy and time-consuming to approve. Unless you have enough US dollars in China or overseas support and timely exchange to the United States to pay a one-time payment to buy a house, it will be much easier.

Many major banks in California can not accept new immigrants to apply for the loan, and now there are a handful of banks can accept, but asked for 40-50% of the first period of head support, and also asked to provide the domestic past 1-3 years of work experience And income proof, proof of overseas assets, as an important reference for the loan through the maximum loan amount can reach 3 million US dollars.

Huayi Bank (www.eastandwestbank.com), a Chinese-run commercial bank in California that can provide 30-year loans, has only a fixed interest rate for the first three to seven years and is currently around 3-4%. After its expiration It becomes a floating rate. In principle, more than 40% of the headdolks are required. Another precondition is to check the claimant's assets and income in the country of origin, and to require that the money be kept in the bank for 36 months. For example, The money is 2000 dollars, there must be 72000 dollars in the bank. Of course, this is only used during the loan review, and three months after the loan is approved, you can use the money for other purposes.

HSBC (www.us.hsbc.com) is another international bank that can accept foreign citizens and new immigrants to apply for a loan to buy a house. The bank requires that applicants must open advanced client accounts in China / Hong Kong or the United States and deposit $ 100,000 Continue to maintain for 60 days after they are eligible to apply for a home loan. The first installment needs 30% both, the maximum loan amount is also 3 million US dollars. You can choose to have a floating interest loan term of 3.57.7 years, or a 30-year loan fixed rate. The interest rate will be lower than the Huamei Bank, but the applicant's country of residence income and assets certification requirements will be more stringent, usually the application time of at least 3 months, please prepare in advance for the best!