Foreign Buyers Buying New York Properties - Must Read

By
Real Estate Agent with Douglas Elliman Real Estate

If you are a real estate buyer or you are an agent who like to learn more about New York City's real estate market, please contact our team at Cjin@elliman.com. Elliman is the largest residential real eatate firm in NYC.

To learn how to get mortgage in the US (in Chinese language), please read the followings:

房屋贷款的成功由四个因素决定: 核实买方资产, 房屋估价, 收入和信用检查, 和债务验证.(1)外国人办房屋贷款最重要的一步是能提供流动资金的银行信件和证明书: 如个人存款, 连续3个月的银行活动, 银行证明信, 其他资产证明, 护照, 房屋贷款申请书及房屋购买合同。最近银行最新要求还有: 买房后六个月的CC 和RET总和存款额, 在房屋贷款银行开户等. (2)房屋估价是银行一定需要的一个步骤, 但身在国外的买主不须牵涉。如果房屋估价证明买主的地产价格远低于市场价格, 银行更愿意提供贷款,买主受益.(3)(4)由于很多美国人都有债务,包括信用卡, 汽车和房屋贷款等等, 银行通常用债务/收入的比例(Debt To Income Ratio)和买主的信用总分(FICO)来决定是否提供贷款, 并决定贷款利率.

Posted by

Catherine Jin

Chinese bi-lingual Agent

cjin@elliman.com

917 863 0551

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Catherine Jin

Chinese Real Estate Agent in New York City
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