讨教:美国投资房的出租问题?
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terry890
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I just did a google search on 'Can Canadian get a mortgage buying house in the US'
Here's what I found.
2. Can we get a mortgage in Canada to buy in the U.S?
Not if you're a Canadian resident, and getting mortgages at the moment even for US residents is hard (which is why the real estate market is in freefall). But you can get a bank loan in Canada, so if you can make a large down payment you can do it that way. You could take out a second mortgage on your own house in Canada perhaps.
terry890
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some other differences
Tax Systems:
Talk to an accountant that is experienced with American real estate investment as the countries differ considerably in terms of taxation of investment properties.
In the U.S.
Tax Systems:
Talk to an accountant that is experienced with American real estate investment as the countries differ considerably in terms of taxation of investment properties.
In the U.S.
- 1031 Exchanges allow the capital gains from the sale of an investment property to be deferred and rolled into a purchase of a similar type of property if it's bought within 180 days. This can be done many times allowing capital gains to be deferred until the end asset is finally disposed of and not replaced;
- If capital gains are realized (property is sold and cash is received), the seller is taxed at 15% of the total net gain (as long as the property was owned for more than 1 year, if less than, the rate is much higher);
- Property taxes tend to be similar to those in Canada, however, if you are a Canadian and own a property in a Southern state like Florida or California, you may have much higher "non-resident" property taxes than either the locals or if you invest in other U.S. States;
- Similar to Canadian tax laws, you will not be taxed on your primary residence, however, in the U.S., you can write-off the interest charged on your home.
- Sell your investment property in Canada and you'll pay capital gains tax on 50% of the net gain. Canada does not yet have the option of deferring the gain through an exchange. The "gain" or "loss" gets added to your income and your are taxed at the applicable rate (which could be much higher than the standard 15% rate in the U.S.);
- Similar to in the U.S., expenses associated with holding an investment property can be written off against your taxable income. See two previous articles for tax time tips: Part 1 and Part 2.
- Determine if there are "non-resident" property taxes applicable in the city/state you are considering;
- If you already own in the States and sell the property (and don't buy another there to use the 1031 Exchange strategy) you'll be required to pay U.S. taxes on the sale. You pay the U.S. first, but still have to file the tax return in Canada (showing the taxes paid in the States). Thus, you'll only pay once (you get a tax credit applied to your Canada taxes), but you have to file 2 returns (February/March 2008 Money Sense has a great article on this issue);
- Rental income requires two filings for taxes as well. You must claim the income (and expenses) in both countries, pay the applicable taxes, and get a credit for your Canadian taxes.
terry890
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America's housing market
foreclosures are likely to be higher this year than last. That will maintain downward pressure on home prices, which have resumed their fall after the expiry of a tax credit last year. The home-ownership rate fell to 66.5% at the end of 2010, its lowest level since 1998, as many former and would-be home-owners rent (see chart). Long after the crisis and the recession, the housing bust that caused them lingers on.
http://www.economist.com/node/18070210?story_id=18070210
foreclosures are likely to be higher this year than last. That will maintain downward pressure on home prices, which have resumed their fall after the expiry of a tax credit last year. The home-ownership rate fell to 66.5% at the end of 2010, its lowest level since 1998, as many former and would-be home-owners rent (see chart). Long after the crisis and the recession, the housing bust that caused them lingers on.
http://www.economist.com/node/18070210?story_id=18070210
terry890
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根据美国全国地产经纪商协会(National Association of Realtors)资料，2010年美国二手楼成交再减4.8%，至491万间，为1997年以来的最少，甚至低过2008年发生金融海啸那年;展望 2011年则更差，去年12月未售出的住宅单位相当于8.1个月的供应量(之前的11月有9.5个月供应量)。目前美国30年期楼按息率4.74厘、15 年期为4.05厘，看来2013年前，美国楼市复苏已属很乐观的估计。今年，美国房屋断供数字估计较去年上升20%。2010年断供数字为287万间，较 2009年上升2%，去年银行已接管超过100万间房屋，较2009年增加14%;2006年至今，银行只接管了300万间，仍有500万间断供楼未被接 管。
terry890
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Home prices fall to lowest level since housing bust in most major US cities
High unemployment, stricter lending rules and fears that prices will continue to fall are among the reasons why few people are buying homes. A rising number of foreclosures are also weighing down prices. And as more people get stuck in depreciating homes, housing could slow the economy.
[http://ca.finance.yahoo.com/news/Home-prices-fall-lowest-level-capress-3953286724.html?x=0
Are you sure you still want to invest in the real estate in the US?
High unemployment, stricter lending rules and fears that prices will continue to fall are among the reasons why few people are buying homes. A rising number of foreclosures are also weighing down prices. And as more people get stuck in depreciating homes, housing could slow the economy.
[http://ca.finance.yahoo.com/news/Home-prices-fall-lowest-level-capress-3953286724.html?x=0
Are you sure you still want to invest in the real estate in the US?
