For many Americans, purchasing a home can be a daunting and confusing process. For foreign buyers seeking to purchase real estate in the U.S., the process can be even more complicated.
That said, with America’s economic opportunities and low-interest rates, foreigners are snapping up U.S. real estate in droves. Historically, five countries have accounted for the bulk of purchases: Canada, China, Mexico, India, and the United Kingdom. Most of whom view U.S. real estate as a secure and profitable investment.
Whether you’re a foreigner relocating to the U.S. for employment, buying for investment purposes, or interested in a vacation home, it’s crucial to know what to expect as you begin the property-buying process.
What you should know
The US real estate market is very transparent, especially compared to many other countries. Closed sales transaction data becomes publicly available within 60 days after closing. Broker sales commissions are always paid by the seller (and then divided equally between both the buyer’s and seller’s brokers), so buyers don’t pay anything to have a buyer’s agent working on their behalf. This is called co-broking and represents over 80% of sale transactions in the US.
It is always advisable for a buyer to work with their own buyer agent and not the seller’s agent. An Exclusive Buyer Agent will protect the buyer’s interests in the transaction. The seller’s agent will not, they work for the seller!
Be aware to deter foreign buyers, London, Hong Kong, Singapore, Vancouver, Melbourne and Sydney all impose an extra stamp duty (ranging from 7% to 30%of the purchase price) on non-residents purchasing property. That’s not the case in the US. Foreign buyers are treated equally as US buyers in this regard.
Avoid Co-ops as they are specifically for primary residences & they require the buyer’s main source of income to be from the US and the bulk of their assets to reside in the US. Condo’s, townhomes and single- family homes provide more rights to property usage.
Financing is readily available in the U.S. as qualified international buyers can obtain financing for properties through retail banks or private banks. Generally, retail banks will offer these terms:
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- $3,000,000 loan maximum. At 70% loan-to-value, the property purchase price would equate to $4.2 million.
- Some banks may also require foreign buyers to hold a $100,000 deposit with the bank in the interest of developing a long-term relationship outside the mortgage loan.
Buying as an Individual?
- Advantages: Individuals pay capital gains taxes at a slightly higher maximum rate (23.8%) than corporate entities pay their federal taxes (21%).
- Disadvantages: less privacy and increased liability in case of lawsuits.
Buying as an LLC or Foreign Corp?
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- Disadvantages: Higher capital gains tax. If the buyer is an LLC as an individual, the buyer is liable for estate tax. If the LLC is a foreign entity, they pay capital gains tax as high as 21%
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- Common charges
- Property taxes
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As a bonus, the buyer need not be present at closing, if, they provide “Power of Attorney” to their representative or a Consent to Act letter if using an LLC to purchase the property.
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