The Advantages of Asset-Based Real Estate Loans in the U.S. with Global Mortgage Group (GMG) and America Mortgages 

In the dynamic landscape of U.S. real estate, asset-based lending has become a powerful tool for sophisticated investors looking to maximize returns, unlock liquidity, and scale their property portfolios. For those seeking unparalleled expertise and global access to capital, Global Mortgage Group (GMG) and its U.S. division, America Mortgages, stand out as industry leaders. With a proven track record of closing deals ranging from a few million to several hundred million dollars, GMG and America Mortgages have solidified their reputation as the go-to source for high-net-worth investors and developers navigating complex real estate transactions.

What is Asset-Based Lending in Real Estate?

Asset-based lending (ABL) allows investors to secure loans using real estate assets as collateral, without relying heavily on income verification or credit history. This innovative financing solution empowers investors to leverage their existing property portfolios, enabling quick capital infusion to fund acquisitions, renovations, or expansions.

For international investors or U.S.-based developers facing stringent banking regulations, asset-based loans offer flexibility, speed, and access to liquidity that traditional mortgages cannot provide.

Key Advantages of Asset-Based Real Estate Loans

1. Access to Large Capital Pools

GMG and America Mortgages excel at sourcing capital from over 150 global lenders, including private banks, institutional investors, and alternative lenders. This expansive network ensures clients receive competitive rates and terms that are often unavailable through local banks.

By tapping into global capital markets, sophisticated investors gain access to funding for large-scale projects that may not qualify for traditional financing. Whether it’s a $5 million residential investment or a $200 million commercial development, GMG has the expertise and network to deliver.

2. Higher Loan-to-Value (LTV) Ratios

Asset-based loans typically offer higher LTV ratios, often up to 75%, depending on the property type and location. This allows investors to borrow more against the value of their assets, freeing up significant capital for reinvestment or expansion.

3. Fast Approvals and Closings

In the competitive U.S. real estate market, timing is critical. Traditional banks can take months to process applications, while asset-based loans through GMG and America Mortgages can be approved within 2 to 4 days and funding within weeks. This speed gives investors a decisive edge, allowing them to secure prime properties before the competition.

4. No Income Verification or Credit Requirements

For foreign investors, self-employed individuals, or those with complex financial structures, income documentation can be a hurdle. GMG’s asset-based loans focus on property value and asset strength, bypassing the need for extensive income proof or high credit scores. This makes it an ideal solution for non-traditional borrowers.

5. Flexibility Across Property Types

GMG and America Mortgages provide asset-based loans for a wide range of property types, including:

Luxury Residential

Commercial Buildings

Multi-Family Units

Mixed-Use Developments

Industrial Real Estate

This broad scope enables investors to diversify their portfolios and capitalize on various segments of the U.S. property market.

Why GMG and America Mortgages Lead the Industry

Proven Track Record of High-Value Deals

GMG and America Mortgages have successfully closed loans across the U.S., Europe, and Asia, handling transactions from a few million to over $350 million. Their ability to structure complex financing solutions and navigate cross-border regulations sets them apart from traditional lenders.

Global Reach, Local Expertise

By combining global capital sourcing with in-depth knowledge of U.S. real estate markets, GMG provides clients with a unique advantage. Their dedicated team of mortgage specialists understands the nuances of each market, ensuring tailored solutions for every investment.

Trusted by High-Net-Worth Investors

GMG’s client base includes some of the world’s most sophisticated investors, HNW individuals, family offices, and developers. This trust is built on their unwavering commitment to confidentiality, personalized service, and results-driven solutions.

Real-World Applications of Asset-Based Lending

Foreign Nationals Investing in U.S. Real Estate: Non-resident investors can leverage U.S. properties to secure financing, bypassing the traditional barriers of income proof and credit checks.

Commercial Developers: Developers use asset-based loans for bridge financing, unlocking equity from completed projects to fund new developments.

Portfolio Expansion: Investors scale their portfolios by using existing properties to finance new acquisitions, optimizing cash flow and increasing returns.

Conclusion: Unlock the Potential of U.S. Real Estate with GMG and America Mortgages

Asset-based lending is transforming the way investors engage with the U.S. real estate market, offering unmatched flexibility, speed, and access to global capital. As the industry leader, Global Mortgage Group (GMG) and America Mortgages provide the expertise, network, and innovative solutions needed to thrive in today’s competitive environment.

Whether you’re acquiring prime residential properties, funding large-scale commercial projects, or unlocking liquidity from existing real estate assets, GMG and America Mortgages are your trusted partners for asset-backed real estate financing.

Ready to scale your real estate investments? Contact GMG and America Mortgages today to explore customized asset-based lending solutions tailored to your unique needs.

[email protected]

[email protected]

Asia: +65 8430-1541

USA: +1 830-217-6608


Las ventajas de los préstamos inmobiliarios basados en activos en EE. UU. con Global Mortgage Group (GMG) y America Mortgages

En el dinámico panorama del mercado inmobiliario de EE. UU., los préstamos basados en activos se han convertido en una herramienta poderosa para los inversores sofisticados que buscan maximizar rendimientos, desbloquear liquidez y escalar sus carteras inmobiliarias. Para quienes buscan experiencia inigualable y acceso global a capital, Global Mortgage Group (GMG) y su división en EE. UU., America Mortgages, destacan como líderes de la industria. Con un historial comprobado en el cierre de transacciones que van desde unos pocos millones hasta cientos de millones de dólares, GMG y America Mortgages se han consolidado como la fuente preferida para inversores de alto patrimonio neto y desarrolladores que navegan transacciones inmobiliarias complejas.

¿Qué son los Préstamos Basados en Activos en Bienes Raíces?

Los préstamos basados en activos (Asset-Based Lending o ABL) permiten a los inversores asegurar financiamiento utilizando propiedades inmobiliarias como garantía, sin depender demasiado de la verificación de ingresos o el historial crediticio. Esta innovadora solución de financiamiento permite a los inversores apalancar sus carteras existentes, facilitando una rápida inyección de capital para adquisiciones, renovaciones o expansiones.

Para los inversores internacionales o desarrolladores en EE. UU. que enfrentan regulaciones bancarias estrictas, los préstamos basados en activos ofrecen flexibilidad, rapidez y acceso a liquidez que las hipotecas tradicionales no pueden proporcionar.

Principales Ventajas de los Préstamos Inmobiliarios Basados en Activos

1. Acceso a Grandes Fondos de Capital

GMG y America Mortgages destacan en la obtención de capital de más de 150 prestamistas globales, incluidos bancos privados, inversores institucionales y prestamistas alternativos. Esta extensa red garantiza que los clientes obtengan tasas y condiciones competitivas que a menudo no están disponibles en los bancos locales.

Al acceder a los mercados de capital globales, los inversores sofisticados pueden financiar proyectos a gran escala que quizás no califiquen para financiamiento tradicional. Ya sea una inversión residencial de $5 millones o un desarrollo comercial de $200 millones, GMG tiene la experiencia y la red para entregar resultados.

2. Relación Préstamo-Valor (LTV) Más Alta

Los préstamos basados en activos suelen ofrecer relaciones LTV más altas, a menudo de hasta el 75%, dependiendo del tipo y ubicación de la propiedad. Esto permite a los inversores pedir prestado más en función del valor de sus activos, liberando un capital significativo para reinversión o expansión.

3. Aprobaciones y Cierres Rápidos

En el competitivo mercado inmobiliario de EE. UU., el tiempo es crucial. Los bancos tradicionales pueden tardar meses en procesar solicitudes, mientras que los préstamos basados en activos a través de GMG y America Mortgages pueden ser aprobados en 2 a 4 días y financiados en semanas. Esta rapidez da a los inversores una ventaja decisiva, permitiéndoles asegurar propiedades de primera antes que la competencia.

4. Sin Verificación de Ingresos ni Requisitos de Crédito

Para inversores extranjeros, autónomos o aquellos con estructuras financieras complejas, la documentación de ingresos puede ser un obstáculo. Los préstamos basados en activos de GMG se centran en el valor de la propiedad y la solidez del activo, eliminando la necesidad de comprobantes extensos de ingresos o altas calificaciones crediticias. Esto lo convierte en una solución ideal para prestatarios no tradicionales.

5. Flexibilidad para Diversos Tipos de Propiedades

GMG y America Mortgages ofrecen préstamos basados en activos para una amplia gama de propiedades, que incluyen:

  • Residencias de lujo
  • Edificios comerciales
  • Unidades multifamiliares
  • Desarrollos de uso mixto
  • Bienes raíces industriales

Esta amplia cobertura permite a los inversores diversificar sus carteras y capitalizar diferentes segmentos del mercado inmobiliario de EE. UU.

Por Qué GMG y America Mortgages Lideran la Industria

Historial Comprobado en Transacciones de Alto Valor

GMG y America Mortgages han cerrado exitosamente préstamos en EE. UU., Europa y Asia, manejando transacciones desde unos pocos millones hasta más de $350 millones. Su capacidad para estructurar soluciones de financiamiento complejas y navegar regulaciones transfronterizas los distingue de los prestamistas tradicionales.

Alcance Global, Experiencia Local

Al combinar la obtención de capital global con un conocimiento profundo de los mercados inmobiliarios de EE. UU., GMG proporciona a los clientes una ventaja única. Su equipo dedicado de especialistas en hipotecas entiende las particularidades de cada mercado, asegurando soluciones personalizadas para cada inversión.

Confianza de Inversores de Alto Patrimonio Neto

La base de clientes de GMG incluye algunos de los inversores más sofisticados del mundo, personas de alto patrimonio neto, oficinas familiares y desarrolladores. Esta confianza se basa en su compromiso inquebrantable con la confidencialidad, el servicio personalizado y las soluciones orientadas a resultados.

Aplicaciones Reales de los Préstamos Basados en Activos

  • Inversores Extranjeros en Bienes Raíces de EE. UU.: Los inversores no residentes pueden usar propiedades en EE. UU. como garantía para asegurar financiamiento, superando las barreras tradicionales de comprobación de ingresos y calificaciones crediticias.
  • Desarrolladores Comerciales: Los desarrolladores utilizan préstamos basados en activos para financiamiento puente, desbloqueando capital de proyectos terminados para financiar nuevos desarrollos.
  • Expansión de Portafolios: Los inversores escalan sus portafolios usando propiedades existentes para financiar nuevas adquisiciones, optimizando el flujo de caja y aumentando los rendimientos.

Conclusión: Desbloquea el Potencial del Mercado Inmobiliario de EE. UU. con GMG y America Mortgages

Los préstamos basados en activos están transformando la forma en que los inversores se involucran en el mercado inmobiliario de EE. UU., ofreciendo flexibilidad, rapidez y acceso a capital global incomparables. Como líder de la industria, Global Mortgage Group (GMG) y America Mortgages proporcionan la experiencia, la red y las soluciones innovadoras necesarias para prosperar en el competitivo entorno actual.

Ya sea que estés adquiriendo propiedades residenciales de primera, financiando grandes proyectos comerciales o desbloqueando liquidez de activos inmobiliarios existentes, GMG y America Mortgages son tus socios de confianza para financiamiento inmobiliario basado en activos.

📞 ¿Listo para escalar tus inversiones inmobiliarias? Contacta a GMG y America Mortgages hoy mismo para explorar soluciones personalizadas de financiamiento basadas en activos adaptadas a tus necesidades únicas.

📩 [email protected] | [email protected]
🌏 Asia: +65 8430-1541


与全球抵押贷款集团(GMG)和 America Mortgages 一起,资产支持型房地产贷款在美国的优势

在美国房地产市场的动态格局中,基于资产的贷款已成为精明投资者最大化收益、解锁流动性以及扩大物业投资组合的重要工具。对于寻求卓越专业知识和全球资本渠道的投资者来说,Global Mortgage Group (GMG)及其美国分支机构America Mortgages在行业中脱颖而出。凭借从数百万美元到数亿美元的交易记录,GMG和America Mortgages已巩固其作为高净值投资者和开发商应对复杂房地产交易的首选来源的地位。

什么是房地产中的基于资产贷款?

基于资产的贷款(Asset-Based Lending,简称ABL)允许投资者以房地产资产作为抵押获取贷款,而不依赖收入证明或信用记录。这种创新的融资解决方案使投资者能够利用现有的房地产投资组合,快速注入资本以资助收购、翻新或扩展。

对于面临严格银行监管的国际投资者或美国本土开发商,基于资产的贷款提供了传统抵押贷款无法比拟的灵活性、速度和流动性。

基于资产房地产贷款的主要优势

1. 获取大规模资本池

GMG和America Mortgages擅长从全球150多家贷款机构(包括私人银行、机构投资者和另类贷款方)筹集资金。这种广泛的网络确保客户能够获得竞争性的利率和条件,这些条件通常在当地银行难以获得。

通过进入全球资本市场,精明的投资者可以为不符合传统融资标准的大型项目获取资金。无论是500万美元的住宅投资还是2亿美元的商业开发项目,GMG都具备提供解决方案的专业知识和网络。

2. 更高的贷款与价值比(LTV)

基于资产的贷款通常提供更高的LTV比率,视物业类型和位置而定,最高可达75%。这使投资者能够根据其资产价值借入更多资金,从而释放大量资本用于再投资或扩展。

3. 快速审批和完成

在竞争激烈的美国房地产市场中,时间至关重要。传统银行可能需要数月来处理申请,而通过GMG和America Mortgages的基于资产的贷款可在2至4天内获批,并在数周内完成融资。这种速度为投资者提供了决定性优势,使他们能够在竞争者之前获得优质物业。

4. 无需收入验证或信用要求

对于外国投资者、自雇人士或拥有复杂财务结构的人来说,收入证明可能是一个障碍。GMG的基于资产贷款以物业价值和资产实力为重点,无需繁琐的收入证明或高信用评分。这为非传统借款人提供了理想的解决方案。

5. 灵活适用于多种物业类型

GMG和America Mortgages提供的基于资产贷款适用于多种物业类型,包括:

  • 豪华住宅
  • 商业建筑
  • 多家庭单元
  • 综合用途开发
  • 工业房地产

这种广泛的适用性使投资者能够多元化其投资组合,并抓住美国房地产市场的各种机遇。

为什么GMG和America Mortgages是行业领导者?

丰富的高价值交易经验

GMG和America Mortgages已成功完成遍布美国、欧洲和亚洲的贷款交易,涉及金额从数百万到超过3.5亿美元不等。他们在结构化复杂融资解决方案和处理跨境法规方面的能力,使其与传统贷款机构区别开来。

全球覆盖,本地专业

通过将全球资本渠道与对美国房地产市场的深入了解相结合,GMG为客户提供了独特的优势。他们专注的抵押贷款专家团队了解各个市场的细微差别,确保每项投资都能获得量身定制的解决方案。

赢得高净值投资者的信任

GMG的客户群包括世界上一些最精明的投资者、高净值人士、家族办公室和开发商。这种信任基于他们对保密性、个性化服务和结果驱动解决方案的不懈承诺。

基于资产贷款的实际应用

  • 外国投资者投资美国房地产: 非居民投资者可以利用美国物业作为担保获得融资,绕过收入证明和信用检查等传统障碍。
  • 商业开发商: 开发商使用基于资产的贷款作为过桥融资,从完成的项目中释放股权以资助新开发。
  • 投资组合扩展: 投资者通过使用现有物业为新收购提供融资,优化现金流并增加回报。

结论:与GMG和America Mortgages一起释放美国房地产市场的潜力

基于资产的贷款正在改变投资者参与美国房地产市场的方式,提供无与伦比的灵活性、速度和全球资本获取渠道。作为行业领导者,Global Mortgage Group (GMG)America Mortgages 提供了在当今竞争环境中取得成功所需的专业知识、网络和创新解决方案。

无论是收购优质住宅物业、资助大型商业项目还是从现有房地产资产中释放流动性,GMGAmerica Mortgages都是您资产支持房地产融资的可靠合作伙伴。

📞 准备好扩大您的房地产投资? 联系GMG和America Mortgages,探索根据您的独特需求定制的基于资产的融资解决方案。

📩 [email protected] | [email protected]
🌏 亚洲: +65 8430-1541 | 📞 美国: +1 830-217-6608

Singapore vs the U.S. Real Estate Market: Which is the Best Investment?

If you’re a real estate investor, it’s essential to understand the dynamics of different markets. A particular country’s regulations may affect the landholding scenario for its citizens, expatriates, and foreign nationals. Today, we’ll discuss two of the most sought-after countries regarding property investment: Singapore and the U.S. 

In this blog, we’ll compare both markets based on various parameters, such as financing options, rental yields, appreciation, etc. Nevertheless, the comparison will also help you understand the future prospects of Singapore and the United States real estate.  

Singapore vs the U.S. Real Estate Difference

Singapore Real Estate Market

If you are seeking Singapore real estate, you’re in luck! According to recent data, the projected value of Singapore’s real estate market is expected to reach $2.02tn by 2024. Besides, it is anticipated to experience an annual growth rate of 2.07%, resulting in an overall market volume of $2.24tn by 2029. Analysts’ opinion has shown a surge in luxury condominium sales due to high demand from foreign investors. Moreover, accessibility to schools, shopping centres, and transportation hubs has been crucial in Singapore as investors desire a convenient lifestyle.

U.S. Real Estate Market

The rising population and strong economy of the U.S. have resulted in the staggering growth of America’s real estate market. With the rise of urbanization, a vast population is shifting to urban cities for better opportunities. This led to the growing demand for mixed-use developments (residential, commercial, and retail spaces combined in a single project). As per Statistics, the U.S. is expected to reach $132tn by 2024. With an annual growth rate of 3.34%, it’ll get a market volume of $155.60tn by 2029. 

The U.S. vs Singapore Real Estate: Comparing Investment Factors

Investment FactorSingaporeUnited States
Market Dynamics
Market MaturityMature, stable market with strong government regulation.Diverse market with varying levels of maturity across different regions.
Price TrendsHistorically stable, with potential for capital appreciation. However, recent cooling measures such as a 60% stamp duty have slowed down price growth.Consistently stable with significant regional variations in price trends. Major cities like New York and San Francisco have seen significant price appreciation in recent years.
Initial Investment
Down PaymentTypically 20-30%.Varies by property use, but generally 20%.
Closing CostsCan range from 3-60% of the purchase price.Typically 2-3% of the purchase price.
Financing Options
Mortgage RatesGenerally lower than the U.S., especially for Singapore citizens and PRs. The average mortgage rate is around 3%. No long-term fixed rate optionsIt can vary significantly based on credit score, loan type, and regional economic conditions. The average 30-year fixed mortgage rate is currently around 6%. Allows for 30-year fixed rates with no restrictions on age.
Loan-to-Value Ratio (LTV)Stricter regulations, lower LTV for foreign buyers. Typically, 70-80% for citizens and PRs, and lower for foreigners. Additional property ownership may be limited to a maximum 40% LTV.More flexible LTV ratios, especially for U.S. citizens and residents. It can go up to 80-90% for qualified buyers Very generous for non-U.S. residents giving up to 75% LTV without U.S. credit.
Rental Yields
Average Rental YieldModerate, typically around 3% for private residential properties. HDB flats offer lower yields but significant government subsidies.It varies by region, but generally higher than Singapore, especially in major cities. It can range from 6-10% in prime locations.
Rental RegulationsStricter tenant protection laws.Vary by state, with some states having more landlord-friendly regulations.
Property Appreciation
Long-Term AppreciationHistorically stable, with potential for long-term appreciation. However, recent cooling measures may impact future growth. As a small country it’s in Singapore’s interest to keep properties from appreciating too quickly.More volatile, with significant regional variations in appreciation rates. Major cities like New York and San Francisco have seen significant appreciation in the past decade. Truly a free market with no government control regarding appreciation. 
Tax Implications
Property TaxesRelatively high, especially for landed properties. Can range from 4-10% of the property’s assessed value.Varies by state and local property tax rates. Can range from 1-2% of the property’s assessed value. Tax laws in the U.S. are pro-real estate investment.
Capital Gains TaxGenerally not applicable to primary residences but may apply to investment properties.Varies by state, with some states having no capital gains tax on primary residences. Tax laws apply equally to residents and non-residents, making it a favourable tax regime for investors. 
Risk and Reward
Market VolatilityRelatively stable due to government regulations and economic stability. However, recent global economic uncertainties may impact the market.More volatile, influenced by economic cycles, interest rate changes, and political factors. 
Currency Exchange RiskForeign investors may be exposed to currency exchange rate fluctuations, especially with the Singapore Dollar being a strong currency.Foreign investors may be exposed to currency exchange rate fluctuations, especially for those investing in U.S. dollar-denominated assets.
Legal and Regulatory EnvironmentComplex legal and regulatory framework, especially for foreign buyers.Complex legal and regulatory environment, with variations across different states.

Singapore vs the U.S. Real Estate: Which is the Best Investment?

Both the Singapore and U.S. real estate markets provide unique investment opportunities. For instance, the Singapore market is stable, regulated, and has moderate returns. On the other hand, the U.S. market is volatile but provides high returns on each investment. The decision is yours to make. Before making any move, analyze your individual risk tolerance, financial circumstances, and investment goals. 

If you are careful about your investments and want counseling regarding both these markets, you can contact America Mortgages. As a company, our sole focus is on foreign nationals and expats. You can visit our website at  www.americamortgages.com and reach out to us at [email protected]. You can book a commitment-free call with one of our loan officers here.

FAQs

What are the major differences in financing options between Singapore and the U.S.?

In Singapore, citizens and permanent residents can use government-backed HDB loans for financing. In the U.S., there are many mortgage options from banks and specialized lenders for citizens, residents, and foreign buyers. Be sure to check online resources, like condo and HDB directories, to understand each market fully.

Which country offers better long-term investment potential for real estate?

Both Singapore and the U.S. are good places for long-term real estate investment. Singapore provides stability and steady growth. On the other hand, the U.S. has many different options. This can lead to higher returns, which can sometimes be more unpredictable.

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Tras revisar el artículo “Singapore vs the U.S. Real Estate Market: Which is the Best Investment?“, he identificado algunas áreas donde la traducción al español puede mejorarse para reflejar con mayor precisión el contenido original. A continuación, presento una versión revisada:


Al considerar oportunidades de inversión inmobiliaria global, Singapur y Estados Unidos emergen como mercados destacados. Ambos presentan características únicas que los hacen atractivos para inversores internacionales. A continuación, se comparan estos mercados en función de diversos parámetros para determinar cuál ofrece mejores perspectivas de inversión.

Mercado Inmobiliario de Singapur

Según datos recientes, se proyecta que el valor del mercado inmobiliario de Singapur alcance los 2.02 billones de dólares para 2024, con una tasa de crecimiento anual del 2.07%, llegando a 2.24 billones de dólares en 2029. Se ha observado un aumento en las ventas de condominios de lujo, impulsado por la alta demanda de inversores extranjeros. La proximidad a escuelas, centros comerciales y centros de transporte es crucial, ya que los inversores buscan un estilo de vida conveniente.

Mercado Inmobiliario de Estados Unidos

El crecimiento de la población y una economía sólida han propiciado un notable aumento en el mercado inmobiliario estadounidense. La urbanización ha llevado a una migración significativa hacia ciudades en busca de mejores oportunidades, incrementando la demanda de desarrollos de uso mixto que combinan espacios residenciales, comerciales y minoristas. Se estima que el mercado inmobiliario de EE. UU. alcance los 132 billones de dólares para 2024, con una tasa de crecimiento anual del 3.34%, llegando a 155.60 billones de dólares en 2029.

Comparación de Factores de Inversión: Singapur vs. Estados Unidos

Factor de InversiónSingapurEstados Unidos
Madurez del MercadoMercado maduro y estable con fuerte regulación gubernamental.Mercado diverso con distintos niveles de madurez según la región.
Tendencias de PreciosHistóricamente estables, con potencial de apreciación de capital.Consistentemente estables con variaciones regionales significativas. Ciudades como Nueva York y San Francisco han experimentado apreciaciones notables en los últimos años.
Pago InicialGeneralmente entre 20-30%.Varía según el uso de la propiedad, pero generalmente alrededor del 20%.
Rendimiento de AlquilerRendimientos más bajos debido a altos precios de propiedad y regulaciones estrictas.Rendimientos de alquiler más altos, especialmente en mercados emergentes y ciudades de rápido crecimiento.
Opciones de FinanciamientoOpciones limitadas para extranjeros, con requisitos estrictos y tasas de interés más altas.Amplia disponibilidad de financiamiento para inversores extranjeros, con programas específicos y tasas competitivas.
Impuestos y RegulacionesImpuestos elevados y regulaciones estrictas que pueden afectar la rentabilidad.Estructura impositiva más favorable para inversores, con deducciones fiscales disponibles.

Consideraciones para Inversores

  • Diversificación de la Cartera: Invertir en propiedades en diferentes mercados puede mitigar riesgos y aumentar el potencial de retorno.
  • Estabilidad del Mercado: Singapur ofrece estabilidad y un entorno regulatorio sólido, mientras que Estados Unidos proporciona oportunidades en mercados emergentes con potencial de crecimiento.
  • Accesibilidad Financiera: Las opciones de financiamiento más flexibles y favorables en Estados Unidos pueden facilitar la entrada al mercado para inversores extranjeros.

Conclusión

Tanto Singapur como Estados Unidos presentan oportunidades únicas para inversores inmobiliarios. La elección entre ambos dependerá de los objetivos individuales, tolerancia al riesgo y preferencias en términos de retorno de inversión y crecimiento del capital. Es esencial realizar una investigación exhaustiva y considerar factores como regulaciones locales, opciones de financiamiento y tendencias del mercado antes de tomar una decisión de inversión.

Para obtener más información y asesoramiento personalizado sobre inversiones inmobiliarias en Estados Unidos, puedes visitar America Mortgages o contactar a través del correo electrónico [email protected].


在全球房地产投资领域,新加坡和美国是备受关注的两个市场。两者各有其独特的优势,吸引着国际投资者的目光。以下是对这两个市场的比较,以帮助您做出明智的投资决策。

新加坡房地产市场

根据最新数据,预计到2024年,新加坡房地产市场的价值将达到2.02万亿美元,并有望以每年2.07%的增长率,到2029年达到2.24万亿美元。分析师指出,豪华公寓的销售激增,主要归因于外国投资者的高需求。此外,靠近学校、购物中心和交通枢纽的位置备受青睐,因为投资者追求便利的生活方式。

美国房地产市场

美国人口的增长和强劲的经济推动了房地产市场的快速发展。随着城市化进程的推进,越来越多的人口迁移到城市寻求更好的机会,导致对集住宅、商业和零售于一体的综合开发项目的需求增加。据统计,预计到2024年,美国房地产市场将达到132万亿美元,并以每年3.34%的增长率,到2029年达到155.60万亿美元。

投资因素比较:新加坡 vs. 美国

投资因素新加坡美国
市场成熟度成熟、稳定的市场,政府监管严格。多元化市场,各地区成熟度不同。
价格趋势历史上价格稳定,资本增值潜力大。总体价格稳定,但各地区差异显著。纽约和旧金山等城市近年来价格上涨明显。
首付比例通常为20-30%。根据物业用途不同,一般约为20%。
租金收益率由于房价高和严格的监管,租金收益率较低。租金收益率较高,特别是在新兴市场和快速发展的城市。
融资选择外国人融资选择有限,要求严格,利率较高。为外国投资者提供多样化的融资选择,项目专门化,利率具有竞争力。
税收和监管税收高,监管严格,可能影响盈利能力。税收结构对投资者更有利,可享受税收减免。

投资者需考虑的因素

  • 投资组合多元化: 在不同市场投资房地产有助于分散风险,提高回报潜力。
  • 市场稳定性: 新加坡提供稳定的市场和严格的监管环境,而美国在新兴市场中提供了增长机会。
  • 融资可及性: 美国更灵活和有利的融资选择使外国投资者更容易进入市场。

结论

新加坡和美国都为房地产投资者提供了独特的机会。选择哪个市场取决于您的个人投资目标、风险承受能力以及对投资回报和资本增值的偏好。在做出投资决策前,建议您进行深入的研究,考虑当地的监管政策、融资选择和市场趋势。

欲了解更多关于美国房地产投资的信息,您可以访问 America Mortgages 或发送电子邮件至 [email protected]

Investing in the U.K. vs. the U.S.: Why the U.S. is the Superior Choice for Real Estate Investors

When it comes to global real estate opportunities, two markets stand out: the United Kingdom and the United States. Both offer their own appeal, but the U.S. clearly emerges as the superior investment destination for foreign nationals and expatriates. With higher rental yields, affordable property prices, and unmatched financing options, the U.S. real estate market presents a compelling case for investors seeking growth, flexibility, and profitability.

This article will break down the key differences between the U.K. and U.S. property markets and demonstrate why investing in the U.S. is the smarter and more lucrative move.

The U.K. Real Estate Market: High Costs, Low Returns

For decades, the U.K. has been synonymous with stability, particularly in prime markets like London. However, rising costs, restrictive financing, and shrinking yields have made it increasingly difficult for investors to achieve strong returns.

  • Sky-High Property Prices: Modest flats in cities like London often exceed £500,000, placing significant financial pressure on investors.
  • Underwhelming Rental Yields: Average rental yields in the U.K. hover between 3-5%, significantly impacting profitability, especially in high-priced regions.
  • Stamp Duty: Foreign investors face steep taxes, with stamp duty reaching as high as 12%.
  • Limited Financing Options: Stringent lending criteria, higher down payments, and fewer mortgage opportunities limit access to leverage for international buyers.

The U.K. market may provide stability, but achieving strong, consistent returns is becoming increasingly challenging. 

The U.S. Real Estate Market: A World of Opportunity

The U.S. real estate market offers investors a winning combination of affordability, high returns, and flexible financing options. From fast-growing cities to diverse property types, the U.S. market is built for long-term success and unmatched investor satisfaction.

  • Affordable Property Prices: Investors can acquire quality properties under $300,000 in booming markets like Orlando, Dallas, and Atlanta—a fraction of the cost compared to London.
  • Exceptional Rental Yields: U.S. rental yields range between 6-10%, delivering significantly stronger cash flow and higher profitability.
  • No Stamp Duty: Unlike the U.K., the U.S. has zero stamp duty, ensuring no added tax burden for foreign nationals.
  • Flexible Financing Options: America Mortgages makes financing in the U.S. seamless for foreign investors, with offerings like:
    • Up to 75% loan-to-value (LTV).
    • No U.S. credit history required.
    • Fixed-rate mortgages for up to 30 years.

In addition to affordability and attractive returns, markets in Florida, Texas, and Arizona are experiencing tremendous growth, making them hotspots for property appreciation and rental demand.

Key Investment Comparisons: U.K. vs. U.S.

Investment FactorU.K. MarketU.S. Market
Rental Yields3-5%6-10%
Property PricesHigh (£500K+ for small flats in London)Affordable (under $300K in growth cities)
Financing for ForeignersLimited options, stricter requirementsFlexible and accessible with America Mortgages
TaxesHigh stamp duty and capital gain taxesLower property taxes; no stamp duty
Appreciation PotentialStable but modest growthStrong growth, especially in Sun Belt states

America Mortgages: Your Gateway to U.S. Real Estate Success

For foreign investors, securing financing in the U.S. can feel overwhelming—but America Mortgages makes the process effortless. As the leading provider of mortgage solutions for non-residents, America Mortgages offers tailored services to help you secure the financing you need.

  • Competitive Financing: Access loan products designed specifically for foreign investors, with flexible terms and no U.S. credit history required.
  • Halo Concierge Services: Simplify the complexities of real estate investing with services like currency exchange, property insurance, and legal support.
  • Expert Guidance: Work with a team of dedicated professionals who understand the intricacies of international property investment.

From first-time buyers to seasoned investors, America Mortgages ensures a smooth, stress-free process every step of the way.

Conclusion: Why the U.S. is the Clear Winner

While the U.K. offers stability, the U.S. provides a superior combination of affordability, strong rental yields, and unmatched financing flexibility. Investors looking to maximize their returns and capitalize on growth opportunities will find the U.S. market primed for success.

If you’re ready to take the next step and unlock the potential of U.S. real estate, America Mortgages is here to guide you. Visit www.americamortgages.com or email [email protected] to learn more about tailored financing solutions for foreign investors.

Invest smarter, achieve greater returns, and let the U.S. market work for you!


Cuando se trata de oportunidades inmobiliarias globales, dos mercados destacan: el Reino Unido y los Estados Unidos. Ambos ofrecen su propio atractivo, pero EE. UU. se posiciona claramente como el destino de inversión superior para ciudadanos extranjeros y expatriados. Con mayores rendimientos de alquiler, precios de propiedades asequibles y opciones de financiamiento incomparables, el mercado inmobiliario estadounidense presenta un caso convincente para los inversores que buscan crecimiento, flexibilidad y rentabilidad.

Este artículo desglosará las principales diferencias entre los mercados inmobiliarios del Reino Unido y EE. UU., y demostrará por qué invertir en EE. UU. es una decisión más inteligente y lucrativa.

El Mercado Inmobiliario del Reino Unido: Altos Costos, Bajos Retornos

Durante décadas, el Reino Unido ha sido sinónimo de estabilidad, particularmente en mercados principales como Londres. Sin embargo, el aumento de los costos, el financiamiento restrictivo y los rendimientos decrecientes han dificultado cada vez más que los inversores logren fuertes retornos.

  • Precios Altísimos de Propiedades: Pisos modestos en ciudades como Londres suelen superar las £500,000, lo que ejerce una presión financiera significativa sobre los inversores.
  • Rendimientos de Alquiler Decepcionantes: Los rendimientos promedio de alquiler en el Reino Unido oscilan entre el 3% y el 5%, afectando significativamente la rentabilidad, especialmente en regiones de alto precio.
  • Impuesto de Timbre (Stamp Duty): Los inversores extranjeros enfrentan impuestos elevados, con un impuesto de timbre que puede alcanzar hasta el 12%.
  • Opciones de Financiamiento Limitadas: Criterios de préstamo estrictos, pagos iniciales más altos y menos oportunidades hipotecarias limitan el acceso al apalancamiento para compradores internacionales.

El mercado del Reino Unido puede proporcionar estabilidad, pero lograr retornos fuertes y consistentes se está volviendo cada vez más desafiante.

El Mercado Inmobiliario de EE. UU.: Un Mundo de Oportunidades

El mercado inmobiliario de EE. UU. ofrece a los inversores una combinación ganadora de asequibilidad, altos rendimientos y opciones de financiamiento flexibles. Desde ciudades de rápido crecimiento hasta diversos tipos de propiedades, el mercado estadounidense está diseñado para el éxito a largo plazo y una satisfacción inigualable del inversor.

  • Precios de Propiedades Asequibles: Los inversores pueden adquirir propiedades de calidad por menos de $300,000 en mercados en auge como Orlando, Dallas y Atlanta, una fracción del costo en comparación con Londres.
  • Rendimientos de Alquiler Excepcionales: Los rendimientos de alquiler en EE. UU. varían entre el 6% y el 10%, ofreciendo un flujo de efectivo significativamente más fuerte y una mayor rentabilidad.
  • Sin Impuesto de Timbre: A diferencia del Reino Unido, EE. UU. no tiene impuesto de timbre, lo que garantiza que no haya una carga fiscal adicional para los ciudadanos extranjeros.
  • Opciones de Financiamiento Flexibles: America Mortgages facilita el financiamiento en EE. UU. para inversores extranjeros, ofreciendo:
    • Hasta un 75% de préstamo sobre el valor (LTV).
    • No se requiere historial crediticio en EE. UU.
    • Hipotecas a tasa fija de hasta 30 años.

Además de la asequibilidad y los rendimientos atractivos, mercados en Florida, Texas y Arizona están experimentando un crecimiento tremendo, convirtiéndolos en puntos calientes para la apreciación de propiedades y la demanda de alquiler.

Comparaciones Clave de Inversión: Reino Unido vs. EE. UU.

Factor de InversiónMercado del Reino UnidoMercado de EE. UU.
Rendimientos de Alquiler3-5%6-10%
Precios de PropiedadesAltos (£500K+ para pisos pequeños en Londres)Asequibles (menos de $300K en ciudades en crecimiento)
Financiamiento para ExtranjerosOpciones limitadas, requisitos más estrictosFlexible y accesible con America Mortgages
ImpuestosImpuesto de timbre y de ganancias de capital altosImpuestos a la propiedad más bajos; sin impuesto de timbre
Potencial de ApreciaciónCrecimiento estable pero modestoCrecimiento fuerte, especialmente en los estados del Sun Belt

America Mortgages: Tu Puerta de Entrada al Éxito Inmobiliario en EE. UU.

Para los inversores extranjeros, asegurar financiamiento en EE. UU. puede parecer abrumador, pero America Mortgages hace que el proceso sea sencillo. Como el proveedor líder de soluciones hipotecarias para no residentes, America Mortgages ofrece servicios personalizados para ayudarte a obtener el financiamiento que necesitas.

  • Financiamiento Competitivo: Accede a productos de préstamo diseñados específicamente para inversores extranjeros, con términos flexibles y sin necesidad de historial crediticio en EE. UU.
  • Servicios Concierge Halo: Simplifica las complejidades de la inversión inmobiliaria con servicios como cambio de divisas, seguro de propiedad y apoyo legal.
  • Orientación Experta: Trabaja con un equipo de profesionales dedicados que entienden las complejidades de la inversión inmobiliaria internacional.

Desde compradores primerizos hasta inversores experimentados, America Mortgages garantiza un proceso fluido y sin estrés en cada paso del camino.

Conclusión: Por qué EE. UU. es el Claro Ganador

Aunque el Reino Unido ofrece estabilidad, los Estados Unidos destacan por su combinación superior de asequibilidad, altos rendimientos de alquiler y flexibilidad de financiamiento incomparable. Los inversores que buscan maximizar sus retornos y aprovechar las oportunidades de crecimiento encontrarán que el mercado estadounidense está perfectamente posicionado para el éxito.

Si estás listo para dar el siguiente paso y desbloquear el potencial del mercado inmobiliario en EE. UU., America Mortgages está aquí para guiarte. Visita www.americamortgages.com o envía un correo electrónico a [email protected] para obtener más información sobre soluciones de financiamiento diseñadas específicamente para inversores extranjeros.

¡Invierte con inteligencia, logra mayores retornos y deja que el mercado inmobiliario estadounidense trabaje para ti!


当谈到全球房地产投资机会时,有两个市场尤为突出:英国和美国。两者各有其吸引力,但美国显然是外国投资者和外籍人士的更佳投资目的地。美国房地产市场以更高的租金收益率、可负担的房价和无与伦比的融资选择,为寻求增长、灵活性和盈利能力的投资者提供了令人信服的理由。

本文将解析英国和美国房地产市场的主要差异,展示为何在美国投资是更明智、更有利可图的选择。

英国房地产市场:高成本,低回报

几十年来,英国一直是稳定的代名词,特别是在伦敦等主要市场。然而,成本上升、融资受限和收益减少使得投资者越来越难以获得高回报。

  • 高昂的房价: 在伦敦等城市,普通公寓的价格经常超过50万英镑,给投资者带来巨大的财务压力。
  • 令人失望的租金收益率: 英国的平均租金收益率在3%到5%之间,特别是在高价地区,显著影响盈利能力。
  • 印花税: 外国投资者面临高额税收,印花税最高可达12%。
  • 有限的融资选择: 严格的贷款标准、更高的首付要求以及有限的抵押贷款机会,限制了国际买家的杠杆使用。

尽管英国市场可能提供稳定性,但要实现强劲、持续的回报正变得越来越具有挑战性。

美国房地产市场:充满机遇的世界

美国房地产市场为投资者提供了可负担性、高回报和灵活融资选择的完美组合。从快速发展的城市到多样化的物业类型,美国市场为长期成功和无与伦比的投资者满意度奠定了基础。

  • 可负担的房价: 在奥兰多、达拉斯和亚特兰大等繁荣市场,投资者可以以不到30万美元的价格购买优质物业,这仅是伦敦成本的一小部分。
  • 卓越的租金收益率: 美国的租金收益率在6%到10%之间,提供了显著更强的现金流和更高的盈利能力。
  • 无印花税: 与英国不同,美国没有印花税,确保外国投资者无需承担额外的税收负担。
  • 灵活的融资选择: America Mortgages使外国投资者在美国的融资变得无缝衔接,提供以下服务:
    • 最高可达75%的贷款价值比(LTV)。
    • 无需美国信用记录。
    • 最长30年的固定利率抵押贷款。

除了可负担性和有吸引力的回报外,佛罗里达州、德克萨斯州和亚利桑那州的市场正经历巨大的增长,使其成为物业增值和租赁需求的热点地区。

关键投资比较:英国 vs. 美国

投资因素英国市场美国市场
租金收益率3-5%6-10%
房价高(伦敦小型公寓超过50万英镑)可负担(增长型城市低于30万美元)
外国人融资选择有限,要求严格通过America Mortgages提供灵活且可获得的融资
税收高额印花税和资本利得税较低的物业税;无印花税
增值潜力稳定但增长有限增长强劲,特别是在阳光地带州

America Mortgages:您通往美国房地产成功的门户

对于外国投资者而言,在美国获得融资可能会让人感到不知所措,但America Mortgages使这一过程变得轻松。作为为非居民提供抵押贷款解决方案的领先机构,America Mortgages提供量身定制的服务,帮助您获得所需的融资。

  • 有竞争力的融资: 获取专为外国投资者设计的贷款产品,条款灵活,无需美国信用记录。
  • Halo礼宾服务: 通过货币兑换、物业保险和法律支持等服务,简化房地产投资的复杂性。
  • 专家指导: 与了解国际房地产投资复杂性的专业团队合作。

无论是首次购房者还是经验丰富的投资者,America Mortgages都确保在每个步骤中提供顺畅、无压力的过程。

结论:为何美国是明确的赢家

虽然英国提供稳定性,但美国在可负担性、高租金收益率和无与伦比的融资灵活性方面具有更优的组合。希望最大化回报并利用增长机会的投资者会发现,美国市场已为成功做好准备。

如果您准备好迈出下一步,发掘美国房地产的潜力,America Mortgages将在此引导您。请访问www.americamortgages.com或发送电子邮件至[email protected],了解更多为外国投资者量身定制的融资解决方案。

更聪明地投资,获得更高的回报,让美国市场为您效力!

America Mortgages Successfully Funds a California High-Value Bridging Loan for Swiss Investor

America Mortgages Launches New Application Platform for Non-Resident U.S. Real Estate Investors

Benzinga | Global Investors

Q&A: How This Couple Used U.S. Real Estate to Retire Early!

International Mortgages | Overseas Mortgages Lenders

During our recent live webinar, “How This Couple Used U.S. Real Estate to Retire Early!,” hosted by America Mortgages’ Co-Founder Donald Klip (DK), our special guests, Han Teo & Tracy Pah (HT & TP), shared their incredible journey from U.S. real estate beginners to owners of multiple cash-flowing rental properties in the U.S. In just four years, they achieved financial freedom, and during this session, they provided valuable insights into how they navigated the U.S. real estate market.

For those who missed the opportunity to join the webinar, it is available here.

Remarks have been edited for clarity and brevity.

1. Is it risky to invest in properties located far away? 

HT & TP: Yes, it can be challenging, but it’s manageable if you educate yourself, learn from people who have done it before, and build a reliable team, such as property managers, contractors, realtors and lenders. Proper due diligence and research help mitigate the risks of remote investing, such as choosing the right market with strong rent demand.

2. How did you overcome operational challenges while managing remotely? 

HT: Overcoming remote operational challenges involves building a strong team of local professionals (e.g. property managers, and contractors). You can establish trust through regular communication, such as video calls, and set clear operational guidelines through property management agreements.

3. How much capital is required to start investing? 

HT & TP: In some markets, cash-flowing rental properties can be priced around $150,000 to $200,000. A down payment of 25% means you would need around $50,000 to start, depending on the property price.

4. Do you have any properties financed by America Mortgages? 

HT & TP: Certainly, multiple of them! Having worked with multiple lenders before, America Mortgages has been the only lender who is well-versed in handling out-of-country loans, ensuring a timely, stress-free and smooth closing.

5. What is the minimum loan amount, and are there any restrictions on the type of housing?

DK: The minimum loan for some programs is around $100,000. The type of housing typically depends on the local market, but investing in homes priced between $150,000 and $200,000 is common.

6. How do you identify suitable properties for investment? 

HT & TP: Identifying properties involves first choosing the right markets based on factors such as job growth and demand for rentals that correspond to your investment objectives. You should also consider factors that attract renters, such as proximity to amenities. After selecting the right market, you do your due diligence to ensure that rents can cover all the monthly expenses. 

7. How do you manage to supervise renovations from overseas? 

HT & TP: Managing renovations remotely requires clear understanding of your scope of work, stringent vetting of your contractors, managing payment milestones with contractors, and having someone trusted to oversee the work. Regular communication and photo updates are crucial.

8. How do you protect your cash flow from extended periods of vacancy that aren’t covered by property insurance? 

HT: Mitigate vacancy risks by choosing markets with job and population growth, this ensures high rental demand. It is also important to keep your properties well-maintained and ensure your property is appealing to renters. Your property manager is vital in reducing vacancies as they are your first-line responders to prospective tenants.

9. What are your most popular loan programs? 

DK: The most popular loan programs include rental coverage loans, which require rent to cover mortgage expenses, and bridging loans, which allow investors to access equity from their properties.

10. What are the tax obligations for foreign investors? 

DK: Foreign investors have the same tax obligations as U.S. citizens, paying taxes on rental income according to state regulations. Setting up an LLC can provide tax advantages and reduce liabilities.

11. How do you overcome the psychological challenges of remote investing, especially in a country far from Singapore? 

DK & HT: Remote investing can be psychologically challenging, but it’s about mindset. The key is building a trustworthy team, knowing your market, and understanding that remote investing offers freedom while managing risk.

12. Is foreign investment approval required from the U.S. government as part of a home loan application? 

DK & TP: No, foreign investors do not need U.S. government approval to purchase homes or apply for loans. Setting up a US LLC can be beneficial for liability protection.

13. Did you need to establish an LLC or any other U.S. entity for liability protection? 

DK & TP: While not mandatory, it is highly recommended that an LLC be established for liability protection and tax benefits. An LLC can help shield personal assets and simplify tax deductions.

14. How do you mitigate the risk of being over-leveraged if housing prices decline, potentially leading to default or foreclosure? 

DK & HT: The key is ensuring your rental income covers the mortgage payments and maintaining reserves for vacancies. Even in a recession, demand for affordable rentals remains strong, since shelter is a basic necessity. In the US, there is no margin call, meaning that if your home value drops below what you borrowed from the bank, as long as you keep up with your mortgage payments, there is no need to top up the difference to the bank. This makes it one of the safest investment vehicles compared to any other equally leveraged products.

15. In how many cities are your properties located? How do you avoid contractors overcharging during renovations, and how do you find a reliable property manager? 

HT & TP: We are only focused on 2 cities in the Midwest. We prefer to nurture strong teams and strong relationships in each city to support our remote rental business instead of buying across multiple cities and spreading our attention thinly in each city. This also creates scales of economies. Doing thorough due diligence, getting guidance from a mentor, and getting multiple quotations for your renovation scope of work and estimated costs are essential to avoid being overcharged. As for finding a reliable property manager, there are several aspects to look out for, which are covered in detail in our Masterclass, such as what questions to ask to interview them, what are the red flags, what their management agreement should include, etc.

16. How do you handle hot markets and multiple offer situations?

HT & TP: With experience, we have devised strategies to put up compelling offers at the right price. With our network, we also have access to off-market deals. The strategy is going to be different for every unique situation. Still, it has allowed us and our graduates to buy great cash-flowing rentals today, meeting the 1% Rule (i.e. Monthly Rent ≥ 1% of the Property Value) even in super hot markets.

17. How long did you spend on due diligence before committing to your first property? Did you visit the site often before making your decision? 

HT & TP: The process took about three years, and we only visited the city once to validate our research and network before we started to buy properties. With so much available data and a strong network on the ground, there is no need to be physically there.

18. What rental yields are you achieving post-renovation compared to your cost of debt? 

DK: Rental yields are generally higher than mortgage costs, especially with the benefit of rising property values and decreasing mortgage rates, leading to expanding profit margins over time.

How Can German Citizens Get Mortgages in the USA?

Foreign National Mortgage | Non Resident Mortgage USA

If you’re a German citizen planning on owning real estate in the U.S., you’re in luck! The great news is that the U.S. welcomes non-citizens to purchase property without restrictions. But what are the rules, and how can a German citizen get a mortgage in the U.S.?

In this guide, we will share all the details, from understanding mortgage financing differences between Germany and the U.S. to gathering the necessary documentation.

Can German Citizens buy real estate in the U.S.?

Yes, German citizens can obtain a mortgage to buy real estate in the U.S. as the U.S. does not restrict non-citizens from owning property here.

Buying a property as a German citizen in the U.S. is rather simple; all you need to do is meet a set of criteria. Read along to find the differences in mortgage financing in Germany and the U.S.

What are the differences between getting a mortgage in Germany versus the U.S.?

Here are all the differences between getting a mortgage in Germany and the U.S.

AspectUnited StatesGermany
Homeownership Rate~65%< 50%
Government InvolvementExtensive involvement (Fannie Mae, Freddie Mac, FHA)Limited involvement, with a focus on private rental market
Mortgage Interest DeductionMortgage interest is tax-deductibleNo mortgage interest tax deduction
Capital Gains on Home SaleExcluded from taxes (up to a certain limit)No capital gains exclusion
Government Mortgage GuaranteesPublic guarantees (Fannie Mae, Freddie Mac)No public guarantees, rely on private schemes.
Fixed-Rate MortgagesCommon (30-year fixed rates)Typically fixed for 5-10 years
Down PaymentLower, often 3%-25%Higher, typically 20%-30%
Central Bank SupportSignificant (Federal Reserve purchases of mortgage-backed securities)Limited ECB support, smaller-scale bond purchases
Tax SubsidiesSignificant tax subsidies for homeownersMinimal tax subsidies for homeowners
Mortgage RefinancingEasy refinancing allows tapping into home equityStrict rules, refinancing is more complex
Market for Home EquityWell-developed, large-scale home equity loansMinimal market for home equity loans
Housing Sector Contribution to GDP~16%~19%, but less central to overall economic growth

Documents Required for German Citizens to Purchase Property in the U.S.

The documents required to purchase a property in the U.S. as a German citizen differ depending on the type of property and the mortgage you intend to obtain. 

This is a list of commonly required documents to obtain a mortgage in U.S. as a German citizen:

  • A valid German passport.
  • Bank statements: in some cases, you may be asked for some documents from your bank back in Germany.
  • Proof of funds to cover the mortgage for a specific period.
  • Pay stubs to verify income if the property is for self use (not a rental)
  • Tax return documents if the property is for self use (not a rental)
  • If the property is strictly for investment/rental then NO personal income proof is required, as the loan is qualified from the rental income generated from the property.

It’s worth noting that German citizens can obtain a U.S. mortgage even if they don’t have a U.S. credit history.

Mortgage options for Germans buying property in the U.S.

Foreign National Mortgage

Foreign National Mortgage is a tailored solution for foreign nationals. Making it a great option for German citizens who don’t have a U.S. credit history. 

DSCR Loan (For Investment Properties)

Debt Service Coverage Ratio (DSCR) loans are specialized mortgage solutions for those foreign nationals who want to buy property in the U.S. for investment purposes only. While having a U.S. credit history is great, America Mortgages does not require you to have any U.S. credit history.

America Mortgages helps foreign nationals obtain U.S. mortgages. If you’re interested in learning more, reach out to us at [email protected] or visit our website at www.americamortgages.com

Additionally, if you’d like to schedule a commitment-free meeting with one of our U.S. loan officers to explore your U.S. mortgage options further, you can do so using our 24/7 calendar link.

Wie können deutsche Staatsbürger in den USA eine Hypothek aufnehmen?

Wenn Sie als deutscher Staatsbürger planen, Immobilien in den USA zu erwerben, haben Sie Glück! Die gute Nachricht ist, dass die USA es Nicht-Staatsbürgern ohne Einschränkungen erlauben, Immobilien zu kaufen. Aber was sind die Regeln, und wie kann ein deutscher Staatsbürger in den USA eine Hypothek bekommen?

In diesem Leitfaden teilen wir alle Details mit Ihnen, von den Unterschieden in der Hypothekenfinanzierung zwischen Deutschland und den USA bis hin zu den erforderlichen Dokumenten.

Können deutsche Staatsbürger Immobilien in den USA kaufen?

Ja, deutsche Staatsbürger können eine Hypothek erhalten, um Immobilien in den USA zu erwerben, da die USA den Besitz von Immobilien durch Nicht-Staatsbürger nicht einschränken.

Der Kauf einer Immobilie als deutscher Staatsbürger in den USA ist relativ einfach; Sie müssen lediglich eine Reihe von Kriterien erfüllen. Lesen Sie weiter, um die Unterschiede in der Hypothekenfinanzierung zwischen Deutschland und den USA zu erfahren.

Was sind die Unterschiede zwischen dem Erhalt einer Hypothek in Deutschland und den USA?

Hier sind die Unterschiede beim Erhalt einer Hypothek in Deutschland und den USA:

AspektVereinigte StaatenDeutschland
Eigenheimquote~65%< 50%
RegierungsbeteiligungUmfangreiche Beteiligung (Fannie Mae, Freddie Mac, FHA)Begrenzte Beteiligung, Fokus auf privatem Mietmarkt
HypothekenzinsabzugHypothekenzinsen sind steuerlich absetzbarKein Steuerabzug für Hypothekenzinsen
Kapitalgewinne beim ImmobilienverkaufSteuerfrei bis zu einem bestimmten LimittKeine Steuerbefreiung bei Kapitalgewinnen
Staatliche HypothekengarantieÖffentliche Garantien (Fannie Mae, Freddie Mac))Keine staatlichen Garantien, private Systeme.
Festverzinsliche HypothekenHäufig (30 Jahre festverzinslich)Typisch für 5-10 Jahre
AnzahlungGeringer, oft 3%-25%Höher, typischerweise 20%-30%
Unterstützung der ZentralbankSignifikant (Ankäufe von Hypotheken durch die Federal Reserve)Begrenzte Unterstützung der EZB, kleinere Anleihekäufe
SteuersubventionenUmfangreiche Steuersubventionen für HausbesitzeMinimale Steuersubventionen für Hausbesitze
HypothekenrefinanzierungEinfache Refinanzierung zur Nutzung von EigenkapitalStrikte Regeln, Refinanzierung ist komplizierte
Markt für EigenheimdarlehenGut entwickelt, große EigenheimkrediteMinimaler Markt für Eigenheimdarlehen
Beitrag des Wohnungssektors zum BIP~16%~19%, aber weniger zentral für das Wirtschaftswachstum

Erforderliche Dokumente für deutsche Staatsbürger zum Kauf von Immobilien in den USA

Die erforderlichen Dokumente für den Kauf einer Immobilie in den USA als deutscher Staatsbürger variieren je nach Immobilientyp und Hypothek, die Sie erhalten möchten.

Hier ist eine Liste der häufig erforderlichen Dokumente, um als deutscher Staatsbürger eine Hypothek in den USA zu erhalten:

  • Ein gültiger deutscher Reisepass.
  • Kontoauszüge: In einigen Fällen können Sie gebeten werden, Dokumente Ihrer deutschen Bank vorzulegen.
  • Nachweis der Mittel zur Deckung der Hypothek für einen bestimmten Zeitraum.
  • Gehaltsabrechnungen zur Einkommensüberprüfung, wenn die Immobilie zur Eigennutzung ist (kein Mietobjekt).
  • Steuererklärungen, wenn die Immobilie zur Eigennutzung ist (kein Mietobjekt).
  • Wenn die Immobilie ausschließlich als Investition/Vermietung genutzt wird, ist kein Nachweis des persönlichen Einkommens erforderlich, da das Darlehen anhand der Mieteinnahmen der Immobilie gewährt wird.

Es ist erwähnenswert, dass deutsche Staatsbürger eine U.S.-Hypothek auch dann erhalten können, wenn sie keine U.S.-Kreditgeschichte haben.

Hypothekenoptionen für Deutsche, die Immobilien in den USA kaufen

Foreign National Mortgage

Die Foreign National Mortgage ist eine maßgeschneiderte Lösung für ausländische Staatsbürger und eine gute Option für deutsche Staatsbürger, die keine U.S.-Kreditgeschichte haben.

DSCR-Darlehen (für Investitionsimmobilien)

Debt Service Coverage Ratio (DSCR)-Darlehen sind spezialisierte Hypothekenlösungen für ausländische Staatsbürger, die Immobilien in den USA ausschließlich zu Investitionszwecken kaufen möchten. Obwohl eine U.S.-Kreditgeschichte vorteilhaft ist, erfordert America Mortgages keine U.S.-Kreditgeschichte.

America Mortgages hilft ausländischen Staatsbürgern dabei, U.S.-Hypotheken zu erhalten. Wenn Sie mehr erfahren möchten, kontaktieren Sie uns unter [email protected] oder besuchen Sie unsere Website unter www.americamortgages.com.

Wenn Sie zudem ein unverbindliches Gespräch mit einem unserer U.S.-Kreditberater vereinbaren möchten, um Ihre U.S.-Hypothekenoptionen weiter zu erkunden, können Sie dies über unseren 24/7-Kalender-Link tun.

U.S. Mortgage Update: Big Rate Drop Transcript

U.S. Mortgage | International Home Loans

U.S. Mortgage Update: Big Rate Drop Transcript

00:02
Robert Chadwick
Robert, it says you’ve started sharing your screen, but we’re not able to see the slides. Okay.

00:19
Donald Klip
Can you say this one?

00:20
Robert Chadwick
Yeah. Two minutes to go, guys. Eight attendees.

00:24
Speaker 3
Wow.

00:25
Donald Klip
It. Hey, Donald, just so we’re clear, I’ll just say thanks for joining us or whatever, and then you can talk. And then just kind of start talking about the slides, and we can.

01:31
Speaker 3
Yeah, and then I’ll ease, I’ll transition to you.

01:35
Donald Klip
Okay.

01:36
Speaker 3
But I’m introducing everybody initially. Right? Right at the beginning.

01:43
Donald Klip
Okay, sure. You can do that.

01:46
Robert Chadwick
I’ll let you know when to go. So, make sure to turn on your camera. I’ll just drop a message on a WhatsApp group chat. So then just turn on your camera.

01:55
Donald Klip
And turn on your camera. I’ll stop sharing, we’ll talk a little bit, and then I’ll turn the slides back on.

02:02
Robert Chadwick
Okay, I’m going to broadcast at six sharp.

02:07
Donald Klip
But we’re not going to start though.

02:08
Robert Chadwick
Broadcasting. Yeah.

02:12
Donald Klip
All right, go on, mute.

03:24
Speaker 3
It. It.

04:31
Donald Klip
Hi, everybody. Thank you for joining us. For another one of our webinars. This is quite a unique webinar. We have not had a founder’s chat for a long time. So, I’m happy to have my co-founder of global Mortgage Group and American Mortgages, Donald Clipp on with me to discuss not only the recent rate drop, but some really amazing enhancements for our business, which certainly adds or certainly adds value to you as clients and to our loan officer team and so forth. So, Donald, thanks for joining. It’s been a while. I’m glad you’re able to make the time for this.

05:22
Speaker 3
Come on. I’m super excited. We haven’t done one of these in a while. I’m really excited to engage our audience and our community, and I really appreciate everybody tuning in. 06:00 p.m. Asia. Time to listen to this presentation. There’s a lot of information you read in the news. Interest rates have been coming down. There’s a lot of reasons on why that is, but the bottom line is they have come down. So, to the extent that you are looking to potentially buy real estate or invest in us real estate, you want to get an update on the key factor in that decision, which is the cost of funding. So, looking forward to kind of discussing that as we speak. So, let’s get started.

06:09
Donald Klip
Yeah, so how this webinar will go is we will talk about the recent, big updates that we have for America mortgages, and then we will discuss the recent rate drop and why and sort of our outlook on what’s going to happen with the US real estate market. And then we’ll do our normal going over the loan programs, and then we’ll have a question-and-answer session. So, during the process, if you do have any questions, please put them into the chat and we will answer it towards the end. One thing as well, if you want to use our new platform, which we will discuss shortly, you can apply for a loan directly through the chat, or you can arrange a time to speak with one of our loan officers.

07:06
Donald Klip
Our loan officers are based all around the world, and it is literally a 24/7 schedule. So, with that, Donald, let’s start. I shall, yeah, let’s do it. Can you say that? Okay.

07:24
Speaker 3
Yep.

07:25
Donald Klip
All right. Okay. So, US mortgage loans for international clients, that’s what we do with America mortgages and global mortgage group, as everybody is probably aware, our big updates. So, for, so for the loans in general, we have seen a decrease of at least 1% across the board. So, Donald, I know were talking about this earlier today in the office. Now, if you look at where were pricing foreign nationals, for example, just two weeks ago, they were around eight and a half percent. And I think today we price something out in the very high six s, which is absolutely amazing. Okay. One of the other updates we have is that we used to have, when we first started, a minimum loan amount of 150,000, I’m sure you remember, and that has been a consistent request for our clients.

08:51
Donald Klip
So we’ve recently been able to reduce our minimum loan amount to $75,000, which is huge for a lot of our investors that own a lot of smaller properties. So now, with up to 75% financing and a reduced loan amount of $75,000, Donald, I think we’ve really made it so that almost anybody can be a real estate investor. I don’t know if you have anything you want to add on that.

09:27
Speaker 3
No, the lower loan amount has really opened up opportunities in some states where the cost of the homes is much cheaper. And that makes it very attractive for a real estate investor. If you’re investing your disposable income, obviously, you could buy some stocks, you could buy some crypto. But if you wanted to buy a home, for example, in Manhattan or Los Angeles, it’s hard to come up with a million dollars for a 50% loan-to-value on a $2 million home. However, there’s a lot of growth opportunities in the Midwest, for example, in Ohio and Michigan, and those loan amounts are smaller. So, this lower loan amount allows an entry point for a bigger and wider audience who want to take part in this amazing investment opportunity, which is us residential real estate.

10:22
Donald Klip
Excellent. Well stated. So, I’m sure a lot of people are aware of our interest only program. I think this is one of the key features that we have as a company that is super attractive when it comes to investing in us real estate. And just to cover it a little bit, our interest only program is a fixed rate for ten years. Now, that ten-year fixed loan, you’re only servicing the interest for that ten-year period. After the ten years, that loan will not reset. It’ll stay at that same rate. But now you’re paying principal and interest, so you’re looking at a total 40-year tenure. And I think what makes it super attractive, especially as rates come down, you’re really going to be able to take advantage of the yield of a property.

11:21
Donald Klip
And you assume after the ten-year period, when that rate converts into a principal and interest, 30 year fixed, your rental rates are going to be significantly higher. Wouldn’t you agree, Donald?

11:35
Speaker 3
Yes. The purpose of real estate investing, or investing in general, is to maximize your cash flow. And so, if you can have ten years where you’re not paying principal and just paying the interest, it means for those ten years, you are maximizing your cash flow opportunity, that is rental income for those ten years. Now, obviously, in ten years, the property price is going to go up and it allows you more financing options down the road. But if you’re strictly looking at earning as much rental income as you can over a period of time, this is the best option.

12:11
Donald Klip
And I think one thing that also makes it very unique, too specific to the US, is there’s no age restrictions. So, whether you’re 19 or 99 in the US, they feel you should all have the same opportunity when it comes to housing, which is considered also for the mortgages. So, no age restrictions, as in most countries, you know, it’s going to be either limited to a specific age or to a working age. So, it really makes it fantastic. All right, the next big update. And this is something, again, much like the reduced loan amount we’ve been getting requests on a regular basis. And that is if you buy a property, you renovate it and you improve the value significantly. We used to have to wait six to twelve months before we would use the new appraised value.

13:09
Donald Klip
We’re really excited to announce that we reduce this to only three months. So, I think, Donald, you have a very good example of this for clients out of Singapore, so maybe you can give a little explanation on that.

13:25
Speaker 3
Yeah, I think for those of you out there, these sophisticated investors, which is our audience listening right now, you will likely have stumbled across an investing technique called the BrRr method, which is buy, renovate. Let me get this right. It’s bought, renovate, refinance, rent out, and repeat. And what that means is you buy a home that’s undervalued. Let’s just, for example, in the neighborhood, it’s 250,000. You see a home that’s worth 150,000, you go to Home Depot, you engage a contractor, you spend ten, $20,000, and once you’re done, it actually is worth $300,000. Now, historically or previously, up until now, you would have to wait six months before you’re allowed to refinance. But now, as soon as it’s done, we engage in appraiser, and that comes out at 300. You can refinance 70%, 75%, even 80% as an expat of the new value.

14:24
Speaker 3
So you pull out the equity of the increased value, and that can be done ASAP. So, the time in which you can execute these type of strategies has now been reduced to zero previously six months, and anything can happen in six months, and that ties up your capital for six months as well, as opposed to using it to make more money.

14:47
Donald Klip
We still have a minimum time that needs to be waited, which is three months, But we’ve reduced the time by half. So, it’s absolutely fantastic. Everybody is probably already aware that we have common sense underwriting when we do our loans. I mean, you know, specifically what that means is instead of asking you for your tax returns and your pay stubs and your end of year statement, or w two, or whatever it may be called, we are only qualifying the rental properties off of the rental income. I mean, if you think about it just makes sense. Sense. This is something we’ve been doing for a while, but not everyone is aware of it. So, we talked about this the other day on our group loan officer call, Donald, and I think you brought something up about what’s needed to qualify for this.

15:49
Donald Klip
Is it a one to one or what specifically are we looking at?

15:54
Speaker 3
Yeah, you know, I think, you know, the audience, once they contact us to learn more, they’re going to be really surprised and impressed on how easy that we’ve made this foreign nationals looking to buy property for investment income. So, the way this works is, you know, we, you know, like any purchase or refinance, we will have to, you know, you will have to. There will be an appraisal that will be conducted along with a rental comparison. And what that means is if the rental comparison comes in at, let’s just, for example, say, 2000, and your mortgage and mortgage related expenses comes out at 2000 or 1999, you qualify. It’s not based on, like Robert said earlier, your pay stubs, your human resources need to write you a reference letter. All these things that typical bank loans require; we don’t need them.

16:55
Speaker 3
And it makes it easier for our clients, which are all outside the US, because sometimes there’s different, there’s time zone issues, there’s language issues. And so, we’ve made these. We specifically created these to make it easy for our international clients to qualify when they buy property in the US.

17:15
Donald Klip
Yeah, it’s actually a fantastic loan program because besides the reduced loan amount of $75,000 and not having to have us credit, being able to qualify just strictly on the rental income really makes it to where almost anybody can be a real estate investor. Build your portfolio, and for the future have passive income. The biggest update that we have, and something that Donald and I and our entire team has been working tirelessly for more than a year, is the launch of Morty AM. Morty AM is our mortgage application platform. Now, what this does is it allows you to get a pre-approval and often less than 24 hours. This is an online application, but it is also available within two weeks on the Apple and the. What’s the other one?

18:24
Speaker 3
Android.

18:28
Donald Klip
It’ll be easily downloaded, and you will have access to this anytime you want to buy a loan. You get a pre-approval, you get it into the system. You’re talking to a realtor, maybe they’re somewhere in some country and you can zap them that pre approval letter. So, it’s a really slick program. The application itself, it’s really simplified. I don’t know if, Donald, you want touch on anything about, especially how we really worked. Very difficult to, I mean, in a very diligent way, to make this application applicable to our foreign clients.

19:08
Speaker 3
Yeah, everything we do for our clients. We created this to fix a problem. We’re a small company trying to fix a big problem, which is trying to get access to us mortgages while living overseas. So, we hear our clients, we hear the feedback. And what we’ve heard is that the world is ready for a digital solution. The world is ready to, you know, for certain aspects of a mortgage. They’re ready not to speak to somebody, obviously, you know, the initial call and the follow ups and, you know, the urgent questions, you know, we’re here for you, but a lot of the manual, things such as, you know, you know, uploading financial statements, things that, you know, that can be on autopilot through this software, just makes the clients lives a lot easier.

20:03
Speaker 3
And you could do it at your own time, as opposed to sometimes you get an email from a loan officer and forget, and you go to work and you kind of miss a day here and there. Here it’s all online. It’s, you know, you, you know, it obviously sends you reminders, but it allows you to. It allows the process to be a lot faster than normally it would be when you’re dealing with a financial institution back in the US.

20:32
Donald Klip
Yeah, I mean, I think with this launch of this program, we’ve made our services even more valuable than most of the big banks. So, it’s really fantastic. And if anybody wants to download the application or actually right now, it’s more of a link to the web portion of it. You can scan the QR code that is on this page here. So, we will go to the next page. Okay. More big updates. As everybody is aware, because all of our clients are living and working abroad, we understand that they don’t always have the ability to search for services or providers which you may have ready access to if you were living in the US. So, we’ve made it very simple.

21:33
Donald Klip
We have on our website in the middle section, our concierge section, and on that you can do everything from setting up an LLC for your company to own the property, to streamline your insurance with prime insurance coverage, to even getting the best rates on FX exchange when you need to move your money per se, of a down payment, to being able to provide proper and adequate property management solutions through a company similar to us that only focus on foreign nationals. So, another big update, and again, this comes from a lot of requests for our clients. We get clients all the time that get pre-approved for a loan. But once they get pre-approved for a loan, they don’t know where to find a property, or they’re not really sure where to find a property.

22:34
Donald Klip
So Donald has actually been the driver on the real estate portal. So, Donald, why don’t you tell us what we’re looking at and what our clients should be expecting?

22:47
Speaker 3
Yeah, so I don’t want to spill. I don’t want to, what do you call it? Unveil sort of the surprise. But I need to plug a report that we will be publishing very soon, which is, this ties into what you just said, which is we analyze the price per square foot for every major city in the US and every major global city. And we also analyze the rental yield in every major global city and the top 100 cities in the US based on population. And the reason why I say that is because once on your real estate journey, everybody has different criteria on where they’re looking for. Is it close to my relative? Am I going for pure, the highest return? Or it needs to be near an international airport or needs to. We all have different criteria, but finding the properties is difficult.

23:36
Speaker 3
So that report is going to help you narrow down your search. It’s never been done before. We’re the first ones in the world that will be able to do this. So, keep your eyes out for that. And that leads into this portion, which is when our clients use us to get a pre-approval. First of all, you need a pre-approval to buy a property because sellers won’t sell you the property unless they feel comfortable that you have financing behind you. But being able to offer carefully selected and curated property that meets the needs, price point and logistics of our international clients is very valuable. And one thing, I’m going to talk about this in the upcoming slides, but there is a six to 7 million home shortage in the US. That’s why it makes.

24:30
Speaker 3
I don’t want to pre-empt sort of my portion of the presentation, but getting property to be sold is like gold dust. So, we’ve been trying for a long time and so we’ve been able to secure homes just outside of Dallas, Texas, which is a really amazing location for gentrification. A lot of people working from home. But anyhow, I want you to contact us. We’ll give you the details for that. The website is the link is up for the properties that we have available to sell. These are new properties. They come with property management. They’re amazing. They fit the price point for our international clients. So, we will, when we send you a thank you letter, we’ll add the link to that email. So, keep an eye out for that along with the research piece that will be coming out very soon.

25:18
Donald Klip
Yeah, I’m very excited about it. I know. Again, it’s just like all of the things that we work to improve or to fix this has been a huge contention for a lot of our clients. So, with that said, we will, Donald will discuss, is this the best time to invest in us real estate? And really, here is why.

25:42
Speaker 3
Thank you, Robert. That was a fantastic presentation. I’m going to talk about really quickly the current supply demand landscape of the US. I know you read a lot of things, maybe in the media, India, a lot of it is true, but a lot of it is not understood why. Now, interest rates have gone up a lot, but if you can believe it, home prices in the US went up 8% last year. I mean, that’s unbelievable. Interest rates went up 400% and property prices still went up. Now, I’m going to address this in kind of a systematic format, which is supply and demand. So currently, over the last ten years, there have been 5.5 million households formed versus homes built. That means there’s five to 6 million more homes, households that have been created versus homes that have been built.

26:35
Speaker 3
And like it says, so there’s a massive shortage, which you’ll read everywhere when you’re doing your research. Now, those are new homes. Now, existing homes, which is about 90% of, you know, kind of the transacted homes, 80% of the folks that have mortgages, 80% of those mortgages are fixed for 30 years under 5% and 40% are fixed for 30 years under 3%. Sorry, that’s a typo. Under 3%. So, what that means is that it’s kind of put this supply grip on the market. And so, if you think about it, what happens if new homes are being built? And this is also why it’s been really difficult for us to get new homes to bring, to show our overseas clients, is that as soon as homes are built, guess who’s buying them?

27:31
Speaker 3
The average person may not be able to buy them at 8% fixed for 30 or 7% fixed for 30, but institutions can, right? And this is their playbook. They try to buy as much supply as they can because they know the supply demand is imbalanced. They control pricing. And this is no secret. You can google institutional buying of single-family homes in the US and you will see what’s going on. Like any smart investor, it’s a lot better if you invest alongside smart people. And we think the folks like Blackstone and American homes and these type of landlords that you see are fairly smart. So that’s happening now. Next slide. Now what’s happening with demand? Now, what happened with COVID was that people worked from home, they went from.

28:22
Speaker 3
It was always kind of growing at 2.5% a year, so it was heading in that direction. But during COVID overnight it went to 100%. And I think a lot of companies realized that there actually is a portion of. Of work that can be done at home. And I think that’s allowed people who lived in different states to move to find work opportunities in other areas easier. Now, the US, it’s a lot of things, but in terms of its ability to gentrify is without a doubt the best place in the world. If you can’t afford to live in California, which many can’t right now, you can rent a U Haul and move your family to Texas, which a lot of people are now, and make a living.

29:07
Speaker 3
And you look at what’s happening in the US right now is a lot of the coastal states, specifically California and New York, a lot of these big companies are created there. Facebook, Amazon, you name it, Tesla. And they become so big that folks can’t afford to live there. So, companies move their headquarters to Texas to low or no tax states. And that’s happening end masse. And that’s driving the demand to rent homes. And you’re seeing that now. In fact, Dallas is the headquarters for the most fortune global Fortune 500 companies in the world. And coincidentally, I don’t want to plug our property again, but the new homes that we’re offering at the moment is 40 minutes away from Dallas. So really want to show you those homes when we get a chance. Next slide. So, this is really eye opening.

30:05
Speaker 3
So if you look at the G seven countries, I mean, this is just a select a number, the rental yield, and this is cash flow received from rents, it’s really low. In fact, I would argue that you cannot make money of renting homes anywhere in the world except Dubai and the US. Now, if you look at the average rental yield in the US, it’s 8% at the moment. Now, if you take out California, New York, that actually turns out to be twelve to 15% gross yield. It’s really hard to believe, but it’s true. And there’s just lack of information in the world about this phenomenon. So, if you are sitting in these countries where you’re making a good living, a good income, and for example, in Singapore or Hong Kong, where I’m from, getting in the real estate market is really expensive.

31:01
Speaker 3
It’s minimum, two, three, four, $5 million. Whereas in the US, you could play this game with 100, $150,000 and enjoy 15% rental yields. Now, there’s obviously a lot of things that you need to learn, but like anything in life, you’ve put in the hard work, you reap the rewards. This is just a snapshot. In fact, I would argue that this is a little outdated. The numbers are even slightly higher at the moment. But you can see this is not to say that you should rush out and buy a home in Detroit or Milwaukee or Omaha, where actually Warren Buffett is from, but you look at places like Ann Arbor, a huge college town. University of Michigan is there. You look at Las Vegas. It’s the center of all convention business in the US at the moment.

31:50
Speaker 3
Atlanta, the home of the busiest airport in the world. Each one of these cities represents a different thematic. And look at the gross yields. This is one of the biggest surprise slides that when people see that, they go, oh, my God, why didn’t I not know about this? But now you do. And now with leverage, you can take advantage of this. So that’s my bit on the market. I will hand it over to Robert to go into our loan programs and then towards the end, open it up for Q and A. And I look forward to that.

32:24
Donald Klip
Thanks, Donald. I think too, going back to just say the yield slide that you are showing, if you look at what the general yield is in the US, say 5% or less, that is taking into account the coastal states such as California and New York. But if you were to take those out of the picture, these are actually what people could potentially be looking at. And as you said, and because we do loans, not just in the US, but all around the world, we really understand this probably better than any other country or company that are offering mortgages. Okay, so let me give a general overview of the mortgages that America mortgages offer. Now, again, 100% of our clients are living and working abroad, but obtaining us mortgages, whether for purchase, refinance or cash out.

33:28
Donald Klip
I think as we’re seeing interest rates go down, we will see people just refinancing, not pulling cash out, but merely just to reduce the rate. So, if you’re a foreign national, you are able to get up to 75% loan to value in all 50 states. If you are a us expat, we try to make it exactly as if you walked into a bank in the US and you were living and working there. And for an investment property, you can get up to 80%. Something very unique to us mortgages. Again, there are no age restrictions. So, I always like to say, whether you’re 19 or 99, you still have the same mortgage amortization regardless of the age of the borrower. We discussed what ten-year interest only loans are absolutely fantastic.

34:24
Donald Klip
If somebody wants to maximize yield and lock in a rate to where they don’t ever have to worry about refinancing again, unless they choose to. We qualify on the rental income of the property for investment properties. It makes it a very simple, clean, easy way. We don’t care if you are self-employed or you are employed all we care about is the cash flow of the property, which again, is common sense underwriting and just makes sense foreign income. If you are, say, a US expat or you want to qualify using your income, we absolutely allow it, because again, this is all we do, all we deal with. It’s very common and very normal for us. Again, these are loan programs for non us residents, whether you are a non us passport holder or you are a us passport holder living overseas.

35:30
Donald Klip
What also makes these programs very nice and why we have a lot of business which is referred to from private banks, is all of this is dry lending. And if you’re familiar with lending in Europe, most lending requires the borrower to open up some sort of account with the bank that they’ve got a mortgage with a minimum deposit. We have no requirement for that. This is pure dry lending, meaning there is no requirement to open up a bank account with that lender. A loan process in general, once we get your application, we’re looking at 72 hours for issuing a pre-approval. With the launch of Morty, we can actually reduce that to 24 hours, if not sooner.

36:25
Donald Klip
Our average closing time is 30 to 45 days, and you can sign your closing documents in your home country without ever having to leave to travel to the US. So basically, you can start the application online through Morty, and you can close even at your local notary, depending on the country that you’re in. What makes us also very unique, and a lot of it has to do with qualifying off of the rental income of the property is 97% of the applications that get submitted are approved. It’s a number that we’re super proud of. And it’s something that if for some reason the loan isn’t approved, it’s normally property related and not really related to the borrower. Again, and this is in the chat link for everybody to work with.

37:22
Donald Klip
We have 24 hours a day, seven days a week loan officers all around the world. You speak, or you’re more comfortable speaking another language. There’s a variety of options, which, when you’re choosing a calendar time, you can click if you would prefer to speak Spanish or Chinese or whatever it may be. So, I’ll just go over a couple of the loan programs quickly and then we’ll get to the questions and answers. So, our most popular loan program is the America mortgages rental coverage plus loan. And this is something that Donald and I had talked about earlier in the webinar and what I had just gone over. This is the loan program that everybody loves. It requires you to submit no personal income. So, whether you, again, if you’re self-employed or you’re employed, you don’t show maybe your true serviceability of income.

38:19
Donald Klip
This allows anybody to still be a real estate investor. If you’re a foreign national, you can get up to 75% financing and a US expat, assuming you still have us credit, you can get up to 80%. No us credit or residency is required. It’s a very fast, simple loan program and the loan amounts are as low as $75,000 and can go as high as 3 million. Again, we offer on these programs 30-year fixes, interest only. If you look at how this loan qualifies, it’s on the bottom of this slide and it’s a very simple process. If the rental income covers the mortgage, taxes and insurance, the loan is going to qualify. So, it’s very straightforward. In the event, say that the rental amount does not qualify, it does not mean that the loan is not approved.

39:18
Donald Klip
It just merely means that maybe you have to bring in a little bit more money to be able to get that number to work. Next program is our expat program. If you are a US expat and you’re living abroad and you have gone to your local bank or one of the big banks that are well known, you will find out that you’re going to get halfway through the process before they realize that you’re earning your income in euros or in yen or whatever it may be, and they’re going to say, I’m sorry, we cannot do your loan. Well, again, because 100% of our clients fit this box. We’ve made sure that all of the loan programs that we have are specific for our clients living globally.

40:11
Donald Klip
If you’re a US expat, we allow foreign income, we allow your bank account to be in a foreign country, and there’s no requirement to provide a w two. That is huge. The only real, I guess, caveat on this is you still need to maintain us credit with at least a 646 80 credit score to qualify for this. The minimum loan amount is $150,000 and we can go all the way up to 5 million. This works just as it worked when you were living and working in the US, where it goes on your debt-to-income ratio. We have a debt-to-income ratio of 43%.

40:55
Donald Klip
So in this example, as long as you’re making $10,000 a month, and that is your gross income, not your after-tax income, and the mortgage payment, taxes and insurance are at least 4300 and below and including any other debt that you may have in the US, your loan is going to qualify. So again, we try to make this with the same rate, the same terms and the same programs as if you were living and working in the US. Absolutely fantastic program. So that’s it for our webinar for today. This is our contact information for our office in the US, as well as our office in Asia, where Donald and I are both based.

41:42
Donald Klip
You can click on, or you can scan the QR code, which is on the right hand side, that will link you directly to a WhatsApp messenger where you can reach out to one of our loan officers, ask a question about a loan, or even get the direct link for Morti to apply for a loan. Again, we have a link within the chat that allows you to schedule an appointment with a loan officer 24/7 or if you want to, you can go online and apply directly through mortgage. So, let’s get to the questions, Donald, and let’s see where we are at. So, what I’ll do is I’ll ask the questions and then we can both kind of enter and see where we go. So, first question is, what is the likelihood of being approved? Donald, do you want to take that?

42:41
Speaker 3
Yeah, I mean, the short answer is highly likely, you know, depending on what loan program you’re seeking. But as with regards to specifically the loan program that we mentioned earlier, which is based on the rental income of the property, you know, when you’re doing your research, you have a pretty good idea of what the rents are, right? You speak to you, you look on Zillow or Redfin, you speak to your realtor. So, you can do the math. And you just need a few documents to get a pre-approval with us. Robert, you want to talk about what kind of documents are actually, this answers the next question as well. What kind of documents you need to get a, a pre-approval.

43:25
Donald Klip
Yeah. Fantastic. So, to get a pre-approval for the loans, it is about as straightforward as you can get. Assuming you’re a foreign national, you’re just going to need your passport. And this is, again, on our portal, you can securely upload everything. So, there’s no security issue or trust issue on this go through, you can complete the loan application. And really the biggest concern or the biggest hurdle that most people have is the down payment for the property. So, we need to see for AML purposes that any money that is going to be used in the transaction has been in your account.

44:07
Donald Klip
It can be in the US, it can be overseas for a minimum of 60 days if you’re fine with that hurdle, then once you submit all the documents, your loan officer will review it along with the application, and we can issue a preapproval in 24 hours. Next question.

44:27
Speaker 3
Rates have come down, but will they stay down? Well, that’s a crystal ball question, but I think I could take a stab at this. Rates. I think we can all assume that rates will be cut. And these are fed fund rates now, will they stay down? I can’t see them going up. I think inflation print just came out overnight and they look like inflation is coming down. So, there’s more room to move the rates down, but who knows? But I would have to say over the course of the next few years, I can’t see rates going up, either staying flat or coming down, which is really good for being a property investor.

45:14
Donald Klip
Absolutely. So, okay, next question. What would cause a loan application to be rejected? Well, I think there’s a couple possibilities, is if you’re a us expat and say, maybe you don’t have sufficient credit, that could be a reason. Or maybe your debt to income doesn’t work. But we do have loan programs that will help you with that as well. For us in general, normally it’s not about does the loan qualify or not? We qualify 97% of our loans. It’s really, does the rental income cover the mortgage payment? And again, with that, it doesn’t really mean that the loan doesn’t qualify. It maybe just means that you have to come in with a bit more cash. Okay, next question. What is the most popular loan program in American mortgages? Funny, because that is exactly how I introduced that loan program.

46:12
Donald Klip
That is our rental coverage plus. And again, if we go back to the question about what causes an application to get rejected, this is the most straightforward, most common-sense underwriting loan program that you have where you’re qualifying off of the rental income and not the personal income of the borrower. Next question. Hey, great presentation. Which banks do you work with for underwriting and disbursement? Let me jump on that, Donald, and then maybe you can add something. But last December, we actually became a direct lender ourselves. So, we are able to lend in our own name, which makes it fantastic because we have a lot more control over the loan programs. Now, when it comes to loans that maybe don’t qualify for our own lending, then we have a variety of options.

47:07
Donald Klip
These are banks that likely you have never heard of, but banks that we’ve curated over the years that understand our clients being foreign nationals and expats.

47:20
Speaker 3
Yeah, maybe I’ll add a little bit of. A little bit here. So, it’s, you know, we’re preconditioned to think, well, most of us are not you and I, but most people in the world are preconditioned to think mortgage. They think banks. However, in the US, most and the biggest mortgage lenders are not traditional retail banks. I’ll give you an example that everybody knows. Rocket mortgage. Rocket mortgage is the largest mortgage lender in the US. But they’re not a bank. They don’t take deposits. And these are called wholesale lenders. So, these are the type of lending institutions that we work with. And we are one ourselves, as we are a lender ourselves as of December last year, which is great. So, this makes, you know, American mortgages is the only us mortgage broker outside the US. We created this process. We are the global leader.

48:20
Speaker 3
And just like, I guess, many restaurants like to use farm to table, we want to move higher up the food chain. So, we’ve become a lender so we can give you the type of service, pricing, transparency and accessibility that our clients need, deserve and want. So that’s a little bit of background on kind of our journey to becoming our own lender.

48:41
Donald Klip
Perfect. And Raul, to answer your question again, we don’t use a normal bank, even for us citizens. We’re going to use a bank that understands you as a borrower. So, it’s what we do is unique, and it really works when it comes to earning foreign earned income. As an expat, which I’m assuming you.

49:05
Speaker 3
Are, I’m going to give a quick anecdote to our audience, and I think folks in Hong Kong can empathize with this. We had a client recently call us and said that their loan got rejected because they could not put a zip code into the little box that says, what’s your zip code? Because Hong Kong doesn’t have any zip codes. And just because of that, they couldn’t move forward with their loan. Now, this is just a microcosm and a small sample of the issues that we’re trying to fix. And, like, we know the cultural and country idiosyncrasies of folks living outside the US. And this is just a funny example, but it’s true. And it happens all the time, but not with us, because all we do.

49:53
Donald Klip
Yeah, absolutely. I would probably say 20% of our business is expats that were going through a major bank in the middle of a purchase to have their loan officers say, oh, I didn’t realize that you are earning foreign income. So. Okay, next question. Can a loan commitment be less than 30 years, if you choose. Absolutely. If you want to have a 15-year term, that’s your option. In general, our loans are 30-year fixes just because people want that safety and that security. But if you want to pay your loan off or make double payments or even have a reduced 15-year term, that’s absolutely fine. Again, we just, if you’re qualifying off of the rental income, you know, when you shorten the amortization, that could be an issue, but is absolutely perfectly acceptable. Next question.

50:45
Donald Klip
How do we make sure that the rental price, I’m assuming this means, is accurate. And that’s a super good question. And I think we receive this every day when we order the appraisal or the valuation, depending on the, depending on where you’re living, we order a supplement to go along with that. That supplement tells us exactly what the average rent is for that specific property, and that’s the number that we use to qualify. So, it not only protects the lender, but it also protects yourself to making sure that this is the type of rent that, you know, you’ve been told by the realtor you’re going to get. Next question. Do your loans have unit count Max or minimum? I’m not exactly sure what that means. Donald, do you have an idea?

51:38
Speaker 3
Yeah, so I think it’s the number of doors per loan. I think you’re going to be more of an expert on this, Robert. But I think the per loan, the number, I think it’s a four-unit max for four door max on some of our loan programs. I really should get more involved in the loans, but I apologize. I believe that’s what this.

52:06
Donald Klip
Okay, so, yeah, if that’s what it means. So, a one to four unit, we can qualify technically as a single family. So, you have the same LQB options that’s available. So, thanks for the explanation, Donald. Next question. You mentioned that you qualify most of your borrowers, and usually the properties fall down to a 3% rejected application. Could you give us an example of the type of properties that you will not finance? Again, very good question. If you look at, say, exactly in New York has a lot of co-ops, very difficult to finance. We won’t do rural properties. So, properties that are quite far away from the city center, and we really will stay away from mobile homes or manufactured homes. Otherwise, it’s an open market.

53:04
Donald Klip
You find a property that you love, you want to be able to finance, you know it’s going to get fantastic rent a, give one of our loan officers a call and run it by them. They’ll tell you immediately if it’s going to be possible. Yeah.

53:15
Speaker 3
And one thing, you know, one thing that, you know, part of that 3% that were not approved, a lot of that has to do with the property that you may have missed when you. When you. When you. When you view the property. You know, for example, in San Francisco, there’s, you know, part of the appraisal is looking at asbestos, which is in between walls, which there’s no way you would be able to see that. So, in different cities, they’ll look at different things, you know, the structure wise or what’s in the walls or maybe holes that you didn’t see, and they don’t pass the appraisal process. So, a lot of times it has to do with the specific property, not actually you as a borrower. So that’s really important to say.

53:57
Donald Klip
Yeah, absolutely. Okay, next question. Some investor loans that fall into the better financing deals have a four-unit max. So, this is actually a really good question. In general, our very vanilla loan, especially the loans that we offer ourselves, are one to four units. So that is, we can do that every day. However, we also have loan programs that are for five to eight units. So, if you see something that, you know, it’s a fantastic loan, we can still qualify our fantastic property. Sorry. We can still be able to provide that loan for that up to 75% loan to value up to an eight-unit property. Next question. Can I close my existing loan midway through the tenor and reset my rate? So, in general, an investment loan will have a prepayment penalty.

54:56
Donald Klip
So that prepayment penalty normally will be a decreasing amount, that every year will get less, but it is still there for investment properties. However, it does not mean that you cannot. If interest rates go down and you’re able to do a simple calculation of what the breakeven is, it doesn’t mean that you will not be able to refinance your property at any time. If you wait until the prepayment penalty is finished, certainly you can refinance it without any penalties into either a shorter loan or you wanna pay it off, or even a brand-new loan and pull cash out. Next question. In the last question of the night, what is the minimum down payment required to qualify for a loan? So, in general, it’s 25% if you are a foreign national with no us credit.

55:54
Donald Klip
If you are a us expat, then it is 20% with that. Thank you, everybody, for staying through this hour. I think when Donald and I were talking about doing this, were saying we’ll probably knock it out in 15 to 30 minutes. But as you can see, with a lot of involvement and all of these fantastic things that we’re able to offer, this ran a bit longer. So, Donald, do you have any parting words that.

56:23
Speaker 3
Yeah, listen, all I want to say is, I say this to clients, is, if you can make the numbers work now, they’re only going to get better because the cost part of your equation is going to go down, interest rates and the income part of your equation is going to go up, which is your rental income. And then after, because the property is increasing in value over time, which has been proven that at some point you can refinance at a higher rate and recoup some of your initial capital expenditure. That’s what makes us real estate, the game of us real estate investing, unlike any other place in the world.

57:04
Donald Klip
Refinance at a lower rate.

57:05
Speaker 3
Lower rate. Sorry.

57:08
Donald Klip
So, again, I think just to kind of, like, add to that, if you’re waiting for interest rates to hit the lowest p or the lowest point possible, you’re going to miss out on what right now is still a buyer’s market. So, we always recommend, get in there now, rates are still absolutely fantastic, especially if you lock it in long term, you do an interest only. So, thank you again, everybody. Thank you, Donald. And we will see you, I believe, in a couple weeks for the next webinar. Appreciate everybody’s time. Don’t forget, in the chat box, there is a link to either doing the application on Morty or to schedule a time and day to speak with a loan officer. So, thank you, everybody. Appreciate your time.

57:52
Speaker 3
Thank you, everybody. Have a good evening.


Disclaimer: This transcript is AI-generated, so kindly pardon any transcription or grammatical errors that may be present.

Robert Chadwick
CEO, America Mortgages
SG: +65 8430.1541
(Direct/WhatsApp) | U.S.:+1 830.564.3290
Email:[email protected]

Donald Klip
Co-Founder, Global Mortgage Group & America Mortgages
SG: +65 9773.0273
Email: [email protected]
Website: www.gmg.asia

How Can Hong Kong Citizens Get Mortgages in the U.S.?

Hong Kong citizens | Home Loan in America

The U.S. real estate market has been one of the strongest property markets globally with no signs of slowing down. If you are a Hong Kong citizen looking to diversify your portfolio or simply get the most out of the booming U.S. economy, now is the time! 

According to the National Association of Realtors (NAR), China (including Hong Kong) emerged as the top country among foreign buyers in 2021! Between 2010 and 2021, they purchased an average of $18 billion worth of U.S. property annually, acquiring around 27,000 units each year.

Can Hong Kong citizens buy property in the U.S.?

Yes, Hong Kong citizens can buy property in the U.S.

There are no limitations towards any foreign nationals to purchase real estate in the U.S. If you are ready to invest in U.S. real estate simply apply for a mortgage as a non-citizen. 

We’ve noticed an uptick in foreigners from various Asian countries investing in U.S. real estate owing to better housing prices. If you are considering obtaining a mortgage in the U.S. but are cautious about the process, you are not alone.

There are significant differences in how the mortgage system works in Hong Kong vs the U.S. So let’s clear them out. We’ll share the ins and outs of obtaining a U.S. mortgage as a Hong Kong citizen. 

How do home prices in the U.S. compare to Hong Kong?

Hong Kong is notorious for its sky-high property prices. In fact, it’s one of the most expensive real estate markets globally. Let’s take a look at the average prices per square meter for comparison, Hong Kong is USD 28,570

In contrast, some major U.S. metro areas have significantly lower prices:

  • San Francisco, California: USD 7,180
  • Miami Area, Florida: USD 2,660
  • Orlando, Florida: USD 1,940
  • New York Metro Areas: USD 3,070
  • Austin, Texas: USD 2,620

Source: NAR

Difference between mortgages in Hong Kong vs. U.S.

FeatureHong KongUSA
Down PaymentRanges between 40-50% Ranges between 20-25% for non-residents (foreign nationals and U.S. expats)
Loan-to-Value (LTV) RatioBetween 50-60% Up to 80% for non-residents (foreign nationals and U.S. expats)
Repayment OptionsMonthly fixed or floating-rate paymentsMonthly fixed or adjustable-rate payments
Prepayment PenaltiesCommon in some loansLess common
Legal FeesHigher due to stringent regulationsGenerally lower, varies by state
Tax ConsiderationsNo mortgage interest deductionMortgage interest can be tax-deductible

Types of U.S. mortgages available for Hong Kong citizens 

1. Foreign National Mortgage
A mortgage that is designed for foreign nationals, or non-U.S. citizens. So if you don’t have a U.S. social security number or a green card this is the perfect option for you. A Foreign National Mortgage generally has a down payment of 25% of the property value and requires proof of payment and substantial financial reserves.

2. Debt Service Coverage Ratio (DSCR) Loan
This loan is based on the property’s income potential and not the borrower’s income. This means that even if you don’t have a high personal income or a strong credit history, you can still qualify for a loan if the property itself is profitable. It’s a great option for investors who want to leverage rental income to finance their property purchases.

3. Bridge Loans
Bridge loans are a short-term loan used to bridge the gap between purchasing a new property and selling an existing one. They are ideal for acting quickly and seizing the investment opportunities but haven’t yet sold your current property yet.without waiting for your existing property to sell.

4. Portfolio Loans
These are mortgages that lenders keep on their books rather than selling on the secondary market. Since the terms are customizable these loans offer more flexibility.  Portfolio loans are especially great for high-value properties, unique properties, or borrowers with unconventional financial profiles. 

How Can Hong Kong Citizens Get Mortgages in the U.S.?

America Mortgages helps foreign nationals obtain U.S. mortgages. If you’re interested in learning more, reach out to us at [email protected] or visit our website at www.americamortgages.com

Additionally, if you’d like to schedule a commitment-free meeting with one of our U.S. loan officers to explore your U.S. mortgage options further, you can do so using our 24/7 calendar link.

FAQs

Can Hong Kong citizens get a mortgage in the U.S.?
Yes, Hong Kong citizens can obtain mortgages in the U.S.

Do Hong Kong citizens need a Social Security Number to get a mortgage in the USA?
No, lenders offer mortgages for foreign nationals without a Social Security Number.

香港市民點樣可以喺美國按揭?

焦點關鍵字:香港人按揭美國,攞按揭美國,香港居民按揭流程,香港人嘅美國按揭,以香港人身份獲得美國按揭,香港人嘅美國房地產投資

美國房地產市場一直係全球最強勁嘅房地產市場之一,亦都冇放緩嘅跡象。如果你係香港市民,想多元化投資組合,或者只係想喺美國蓬勃發展嘅經濟中發揮最大效益,噉就係時候喇!

根據美國全國房地產經紀協會( NAR )嘅數據,中國(包括香港)喺2021年成為外國買家中嘅頭號國家!喺2010至2021年期間,佢哋每年平均購買價值180億美元嘅美國物業,每年收購大約27,000個單位。

香港市民可唔可以喺美國買樓?

可以,香港市民可以喺美國買樓。

任何外國人喺美國購買地產都冇限制,如果你準備好投資美國地產,只要以非公民身份申請按揭就得喇。

我哋留意到由於房價較好,來自亞洲唔同國家嘅外國人投資美國地產嘅人數有所增加。 如果你考慮喺美國攞按揭,但係對呢個過程謹慎,你唔係一個人。香港同美國嘅按揭制度運作方式有顯著嘅分別,所以我哋要清除佢哋。我哋會分享作為香港公民攞美國按揭嘅入門知識。

美國嘅房價同香港相比係點?

香港以天價樓價臭名昭著。事實上,佢係全球其中一個最貴嘅房地產市場。我哋睇吓平均每平方米嘅價錢比較下,香港係 USD 28,570

相反,美國部分主要都會區嘅價格明顯較低:

  • 加州三藩市:7,180美元
  • 佛羅里達州邁阿密地區:2,660美元
  • 佛羅里達州奧蘭多:1,940美元
  • 紐約地鐵區:3,070美元
  • 德州奧斯汀:2,620美元
特徵香港美國
首期40-50 % 之間非居民(外國人同美國外籍人士)嘅介乎20-30 % 之間
貸款價值比率( LTV )50-60 % 之間非居民(外國人同美國外籍人士)高達 80 %
還款選項每月固定或者浮動利率嘅付款每月固定或可調整利率嘅付款
預付罰款喺某啲貸款入面好常見唔太常見
法律費用由於嚴格嘅法規,所以高啲一般較低,因州而異
稅務考慮因素冇按揭利息扣除按揭利息可以扣稅

香港同美國嘅按揭嘅分別香港市民可以用嘅美國按揭類型

1. 外國國民按揭

專為外國人或者非美國公民而設嘅特別按揭。所以如果你冇美國社會保險號碼或者綠卡,呢個係你嘅完美選擇。外國國民按揭一般嘅首期係物業價值嘅20-30 % ,需要付款證明同大量嘅財務儲備。

2. 債務服務覆蓋率( DSCR )貸款

呢個貸款係根據物業嘅收入潛力而唔係借款人嘅收入而計算。咁即係話,就算你冇高個人收入或者冇強大嘅信用歷史,如果個物業本身有利可圖,你仍然可以符合資格申請貸款。對於想利用租金收入嚟資助佢哋嘅物業購買嘅投資者嚟講,呢個係一個好選擇。

3. 橋樑貸款

佢係一個短期貸款,用嚟填補買新樓同賣現有樓之間嘅差距。佢哋非常適合快速行動同把握投資機會

4. 組合貸款

呢啲係貸款商喺佢哋嘅簿上保留嘅按揭,而唔係喺二手市場賣。由於條款可以自訂,所以呢啲貸款提供更多靈活性。 組合貸款對於高價值物業、獨特物業或者財務狀況非常規嘅借款人嚟講特別適合。

香港市民點樣可以喺美國按揭?

美國按揭幫助外國人獲得美國按揭。如果你有興趣了解更多,可以透過 hello @ americamortgages.com 同我哋聯絡,或者瀏覽我哋嘅網站 www.americamortgages.com 。

另外,如果你想同我哋其中一位美國貸款官員安排一個冇承諾嘅會議,進一步探索你嘅美國按揭選項,你可以用我哋嘅全天候日曆連結去做。

常見問題

香港市民可以去美國按揭嗎?

係呀,香港市民可以喺美國攞按揭。

香港市民去美國按揭需要社會保險號碼嗎?

唔係,貸款機構會為冇社會保險號碼嘅外國人提供按揭。