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6/16/2014

怎麼外國人從中國可以在美國獲得按揭貸款




 


 
 
 
 
 
 
 
 
 
 
 
怎麼外國人從中國可以在美國獲得按揭貸款獲得美國住房貸款是費時,需要一個良好的金額文書工作,即使美國公民。這裡是你所需要準備的常規列表。所有文件應在PDF或Word文檔格式,並明確可讀。項目可以通過電子郵件發送到C G。外國人:•投資組合可調整利率貸款的Avaiable•借款人有沒有綠卡,沒有簽證。•最高60%按揭成數;我們作為承銷二院...如果一項投資物業,
承銷商將考慮在逐案基礎。單家獨戶,聯排別墅,公寓•$ 300,000最高500萬最低貸款金額。•信用:無需FICO ...國際信用報告是可以接受的,
或從原產國四資信證明是必需的......如果你需要貸款的替代形式,
然後讓你可以與你的工作是讓主承銷商舒服的想法......這是
你可以提供從雇主的信,銀行或債權人,
拿到水電費等你的目標是把承銷商安心關於借款人的信譽。•收入:o我們需要2年的收入證明歷史。這是沒有必要有美國報稅表...
稅務文件從原產國是好的。
如果原產國沒有要求借款人辦理納稅申報的等價,
那麼我們需要paystubs,銀行對賬單,對公司信頭的僱傭信,解釋補償等。•資產:O必須在一個已知的可核查的全球金融機構
(例如,瑞士信貸,匯豐銀行,瑞銀,東京銀行)採購經驗豐富的資產......資金不能在無法驗證的機構。我們需要真正的銀行對賬單的所有網頁在過去六十日。任何不尋常的存款不屬於工資或企業必須提供源(如資金轉移到一個帳戶還必須具有沉積支票和存款單,如果沒有工作收入的副本)。其主要原因採購的收入和資產是外國資產控制辦公室(外國資產控制辦公室)負責監測國外,制度,已知的恐怖分子等,此外,借款人的姓名,雇主,以及從原產國的金融機構,其中借款人的資金將通過OFAC驗證引擎上運行,以確保它們不會顯示出來...這是由承銷商完成,但這裡是外國資產控制辦公室網站,如果你想檢查出來。一旦列表下載,搜索你的借款​​人的姓和任何AKAS ...如果沒有出現時,你是好去。*譯者 - 報稅或等同學歷 - 財務分析:o如果入息及資產的文件是外文的,我勸你得到一個翻譯。這可能需要你聘請會計師/註冊會計師(報稅或同等學歷),以分析,解釋,轉換和在這樣一種方式,包銷商可以很容易地理解其提交的信息。也就是說,有借款人的財務狀況進行全面總結和會計。然而,語言翻譯可能就足夠了,並很可能會更便宜。o包括翻譯,報稅或CPA的名片或信箋所以承銷商可以根據需要請聯繫。o所有美國使館提供翻譯服務。•不要求有一個社會安全號碼或稅號TIN或ITIN必須申請,不實際發行在我們開始之前。借款人在這裡申請與IRS TIN號碼: http://www.irs.gov/Individuals/International-Taxpayers/Obtaining-an-ITIN-from-Abroad/
 



•護照的複印件和有效身份證件的第二種形式(駕駛執照或其他有照片的證件)。•不允許授權委託書。借款人將不得不去到美國領事館簽署並有貸款文件公證。或者找一個美國公證美國公證許可證。•所需的前12個月的按揭或租金的核查驗證。•抵押資產是允許的,但是,資產必須是在美國的銀行帳戶。•12個月的全還本付息儲備(包括所有付款,汽車等)。•您可以在這裡在線報名: http://eaglehomemortgage.com/carolinegerardo/

How a Foreign National from China can get a mortgage loan in the United States
Getting a home loan in the U. S. is time consuming and requires a good amount of
Paperwork for even American Citizens. Here is a general list of what you need to prepare.
All documents should be in pdf or word doc format and clearly readable.
Items can be emailed to C. G.
Foreign Nationals:
• Portfolio Adjustable Rate Loans Avaiable
• Borrower has no Green Card and no VISA.
• Max 60% LTV; we underwrite as Second Homes…if an investment property, underwriters will consider on a case by case basis. Single family, town house, condominium
• Minimum loan amount of $300,000 maximum five million.
• Credit: No FICO required… international credit reports are acceptable or four credit references from country of origin is required… If you need alternative forms of credit, then get what you can with the idea that your job is make the underwriter comfortable…that is, you could provide a letter from an employer, bank, or creditor, get utility bills, etc. Your goal is to put the underwriter at ease regarding the borrower’s credit worthiness.
• Income:
o We require 2-years income verification history. It is not necessary to have U.S. tax returns…tax documents from country of origin is okay. If the country of origin does not require the borrower to file the equivalent of tax returns, then we need paystubs, bank statements, an employment letter on company letter head explaining compensation, etc.
• Assets:
o Must source seasoned assets in a known verifiable worldwide financial institution (i.e., Credit Suisse, HSBC, UBS, Bank of Tokyo)…the funds cannot be in an institution which cannot be verified.
We need the past sixty days of real bank statements all the pages. Any unusual deposits that are not payroll or business must provide source (as in money moved into an account must also have a copy of the deposited check and deposit slip if not employment income). The main reason for sourcing the income and assets is for OFAC (Office of Foreign Assets Control) which monitors foreign countries, regimes, known terrorists, etc. In addition, the borrower’s name, employer, and financial institution from the country of origin where the borrower has their funds will be run through an OFAC verification engine to ensure they do not show up…this is done by an underwriter but here is the OFAC website if you would like to check it out. Once the list downloads, search for your borrower’s last name and any AKAs…if nothing comes up, you’re good to go.
*Translator – Tax Preparer or Equivalent – Financial Analysis:
o If the income and asset documentation is in a foreign language, I advise you get a translator. It may be necessary for you to hire an Accountant/CPA (tax preparer or equivalent) to analyze, interpret, convert and present the information in such a way so the Underwriter can easily understand it. That is, have a comprehensive summary and accounting of the borrower’s financial position. However, a language translator may suffice and would probably be less expensive.
o Include a business card or letterhead of the translator, tax preparer or CPA so the underwriter can contact if needed.
o All U.S. Embassies provide translation services but this can be time consuming.
• Not required to have a Social Security Number or Tax Identification Number TIN or ITIN must be applied for, not actually issued before we start. Borrower  to apply for a TIN number with the IRS here:  http://www.irs.gov/Individuals/International-Taxpayers/Obtaining-an-ITIN-from-Abroad/
• Copy of Passport and a second form of valid ID (driver’s license or other photo ID).
• Power of Attorney is not permitted. The borrower will have to go to an American consulate to sign and have loan documents notarized. Or find an AMERICAN notary with US notary license.
• Verification of mortgage or Verification of Rents  is required for previous 12 months.
• Pledged Assets is permitted, however, the assets must be in a U.S. bank account.
• Reserves of 12-months full debt service (including all payments, cars, etc.).
• You can apply online here: http://eaglehomemortgage.com/carolinegerardo/
Or complete https://www.fanniemae.com/content/guide_form/1003rev.pdf and email to
carolinegerardo@yahoo.com

International Citizens can get mortgage loans in the United States.
I'm in Irvine and Newport Beach California

Zěnme wàiguó rén cóng zhōngguó kěyǐ zài měiguó huòdé ànjiē dàikuǎn
huòdé měiguó zhùfáng dàikuǎn shì fèishí, xūyào yīgè liánghǎo de jīn'é
wénshū gōngzuò, jíshǐ měiguó gōngmín. Zhèlǐ shì nǐ suǒ xūyào zhǔnbèi de chángguī lièbiǎo.
Suǒyǒu wénjiàn yīng zài PDF huò Word wéndàng géshì, bìng míngquè kě dú.
Xiàngmù kěyǐ tōngguò diànzǐ yóujiàn fāsòng dào C G.
Wàiguó rén:
•Tóuzī zǔhé kě tiáozhěng lìlǜ dàikuǎn de Avaiable
•jièkuǎn rén yǒu méiyǒu lǜkǎ, méiyǒu qiānzhèng.
•Zuìgāo 60%ànjiē chéngshù; wǒmen zuòwéi chéngxiāo èr yuàn... Rúguǒ yī xiàng tóuzī wùyè, chéngxiāo shāng jiāng kǎolǜ zài zhú àn jīchǔ. Dān jiā dú hù, lián pái biéshù, gōngyù
•$ 300,000 zuìgāo 500 wàn zuìdī dàikuǎn jīn'é.
•Xìnyòng: Wúxū FICO... Guójì xìnyòng bàogào shì kěyǐ jiēshòu de, huò cóng yuán chǎn guó sì zīxìn zhèngmíng shì bìxū de...... Rúguǒ nǐ xūyào dàikuǎn de tìdài xíngshì, ránhòu ràng nǐ kěyǐ yǔ nǐ de gōngzuò shì ràng zhǔ chéngxiāo shāng shūfú de xiǎngfǎ...... Zhè shì, nǐ kěyǐ tígōng cóng gùzhǔ de xìn, yínháng huò zhàiquánrén, ná dào shuǐdiàn fèi děng nǐ de mùbiāo shì bǎ chéngxiāo shāng ānxīn guānyú jièkuǎn rén de xìnyù.
•Shōurù:
O wǒmen xūyào 2 nián de shōurù zhèngmíng lìshǐ. Zhè shì méiyǒu bìyào yǒu měiguó bàoshuì biǎo... Shuìwù wénjiàn cóng yuán chǎn guó shì hǎo de. Rúguǒ yuán chǎn guó méiyǒu yāoqiú jièkuǎn rén bànlǐ nàshuì shēnbào de děng jià, nàme wǒmen xūyào paystubs, yínháng duì zhàngdān, duì gōngsī xìn tóu de gùyōng xìn, jiěshì bǔcháng děng.
•Zīchǎn:
O bìxū zài yīgè yǐ zhī de kě héchá de quánqiú jīnróng jīgòu (lìrú, ruìshì xìndài, huìfēng yínháng, ruì yín, dōngjīng yínháng) cǎigòu jīngyàn fēngfù de zīchǎn...... Zījīn bùnéng zài wúfǎ yànzhèng de jīgòu.
Wǒmen xūyào zhēnzhèng de yínháng duì zhàngdān de suǒyǒu wǎngyè zài guòqù liùshí rì. Rènhé bù xúncháng de cúnkuǎn bù shǔyú gōngzī huò qǐyè bìxū tígōng yuán (rú zījīn zhuǎnyí dào yīgè zhànghù hái bìxū jùyǒu chénjī zhīpiào hé cúnkuǎn dān, rúguǒ méiyǒu gōngzuò shōurù de fùběn). Qí zhǔyào yuányīn cǎigòu de shōurù hé zīchǎn shì wàiguó zīchǎn kòngzhì bàngōngshì (wàiguó zīchǎn kòngzhì bàngōngshì) fùzé jiāncè guó wài, zhìdù, yǐ zhī de kǒngbù fèn zi děng, cǐwài, jièkuǎn rén de xìngmíng, gùzhǔ, yǐjí cóng yuán chǎn guó de jīnróng jīgòu, qízhōng jièkuǎn rén de zījīn jiāng tōngguò OFAC yànzhèng yǐnqíng shàng yùnxíng, yǐ quèbǎo tāmen bù huì xiǎnshì chūlái... Zhè shì yóu chéngxiāo shāng wánchéng, dàn zhèlǐ shì wàiguó zīchǎn kòngzhì bàngōngshì wǎngzhàn, rúguǒ nǐ xiǎng jiǎnchá chūlái. Yīdàn lièbiǎo xiàzài, sōusuǒ nǐ de jièkuǎn​​rén de xìng hé rènhé AKAS... Rúguǒ méiyǒu chūxiàn shí, nǐ shì hǎo qù.

*Yì zhě - bàoshuì huò děngtóng xuélì - cáiwù fēnxī:
O rúguǒ rù xī jí zīchǎn de wénjiàn shì wàiwén de, wǒ quàn nǐ dédào yīgè fānyì. Zhè kěnéng xūyào nǐ pìnqǐng kuàijìshī/zhùcè kuàijìshī (bàoshuì huò tóngděng xuélì), yǐ fēnxī, jiěshì, zhuǎnhuàn hé zài zhèyàng yīzhǒng fāngshì, bāoxiāo shāng kěyǐ hěn róngyì dì lǐjiě qí tíjiāo de xìnxī. Yě jiùshì shuō, yǒu jièkuǎn rén de cáiwù zhuàngkuàng jìnxíng quánmiàn zǒngjié hé kuàijì. Rán'ér, yǔyán fānyì kěnéng jiù zúgòule, bìng hěn kěnéng huì gèng piányí.
O bāokuò fānyì, bàoshuì huò CPA de míngpiàn huò xìnjiān suǒyǐ chéngxiāo shāng kěyǐ gēnjù xūyào qǐng liánxì.
O suǒyǒu měiguó shǐguǎn tígōng fānyì fúwù.
•Bù yāoqiú yǒu yīgè shèhuì ānquán hàomǎ huò shuì hào TIN huò ITIN bìxū shēnqǐng, bù shíjì fāxíng zài wǒmen kāishǐ zhīqián. Jièkuǎn rén zài zhèlǐ shēnqǐng yǔ IRS TIN hàomǎ:Http://Www.Irs.Gov/Individuals/International-Taxpayers/Obtaining-an-ITIN-from-Abroad/
•hùzhào de fùyìn jiàn hé yǒuxiào shēnfèn zhèngjiàn de dì èr zhǒng xíngshì (jiàshǐ zhízhào huò qítā yǒu zhàopiàn de zhèngjiàn).
•Bù yǔnxǔ shòuquán wěituō shū. Jièkuǎn rén jiāng bùdé bù qù dào měiguó lǐngshìguǎn qiānshǔ bìng yǒu dàikuǎn wénjiàn gōngzhèng. Huòzhě zhǎo yīgè měiguó gōngzhèng měiguó gōngzhèng xǔkě zhèng.
•Suǒ xū de qián 12 gè yuè de ànjiē huò zūjīn de héchá yànzhèng.
•Dǐyā zīchǎn shì yǔnxǔ de, dànshì, zīchǎn bìxū shì zài měiguó de yínháng zhànghù.
•12 Gè yuè de quán huán běn fù xī chúbèi (bāokuò suǒyǒu fùkuǎn, qìchē děng).
•Nín kěyǐ zài zhèlǐ zàixiàn bàomíng:Http://Eaglehomemortgage.Com/carolinegerardo/

huò wánquán https://Www.Fanniemae.Com/content/guide_form/1003rev.Pdf diànyóu zhì
carolinegerardo@yahoo.Com



qǐng ràng wǒ zhīdào, rúguǒ nǐ yǒu rènhé wèntí....
 


 

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