在美国买房产是个好投资吗?

[xinjing]

现在美国房产价低, 加元攀高.如果在美国买房产投资(比如出租)是个
好投资吗?
牵涉到的贷款,税收政策复杂吗?

请大家谈谈.

 

[GoldMonkey]

为什么要把自己的生活搞复杂呢？ 简单轻松一点， 生活可以更美好。

当然了， 如果喜欢复杂，那是另外一回事。

但是买房子， 地点永远第一。 今天听广播还说呢， 买房子，location, location, location, 要不温哥华的房子再贵也有人买。 买房子，可不能什么地方便宜买什么。

 

[terry890]

I think it's a bad idea, too much risk too little reward, this is from purely investment point of view.

If you're planning to rent the property out for part or all of the year, the U.S. Internal Revenue Service will consider you a "non-resident alien" and you must pay U.S. income tax on the rental income. There's a 30 per cent withholding tax on the rent you collect, which must be deducted by you or the property management firm and sent to the IRS.

If you sell your U.S. property, there's a withholding tax of 10 per cent of the gross sale price. there are two exceptions to this rule: if the sale price is less than $300,000 and the purchaser plans to use the home as a residence; or if a withholding certificate is obtained. This certificate can be issued if the tax liability will be less than 10 per cent of the sale price, and will show what amount should be withheld by the purchaser rather than the full 10 per cent.

Property taxes are also a consideration. Some states charge higher property taxes to out-of-state owners

Insurance is another major consideration. Most Canadians realize that if they travel to the U.S., they require medical insurance. When insuring the property, be aware that some coastal areas that often have hurricanes and flooding will have higher insurance costs. You'll also want to make your sure have adequate liability insurance. If you'll be hiring tradespeople to work on your property, make sure they are covered with workers compensation.

check this link for more detailed TAX implications

http://www.bdo.ca/library/publications/tax/taxbulletins/092005.cfm


Example: people who bought houses in the US 3 years ago are facing.

1) decrease in housing price
2) problem with managing real estate long distance
3) travel expanse
4) Tax
5) Lost opportunities in Canada


I like to talk with numbers, so here is an example of people who spent $100,000 bought property in the US vs bought in Canada

Invested in the US 3 years ago.

house price $100,000 US
travel expense $1500 US
other expenses $$$ unknow
Risk $$$ case by case basis

let's use Florida for example the median price for Oct 2008 to Oct 2010 went from $195K to $150K

http://www.homepricetrend.com/tampa-fl

that's 25% drop in 2 years, so the investment of $100,000 is now worth $75,000 Us convert that to Canadian dollar today's exchange rate.

Investment of $104,500(Canadian dollar, number from below) invested three years ago is now only worth $72,000 Can today.


Invested in Canada, I been getting about 25% annual return while invest in Canada.

$100,000 US = $103,000 Canadian in 2008
no travel expenses = $1500 saved.
No sleepless nights worry about my investment in the US == priceless.

Total Canadian dollars you could invested in Canada is $104,500 in 2008

at 25% return you would have over $200,000 if you invested in Canada for the past three years.

 

[dz2002ca]

I think it's a bad idea, too much risk too little reward, this is from purely investment point of view.

If you're planning to rent the property out for part or all of the year, the U.S. Internal Revenue Service will consider you a "non-resident alien" and you must pay U.S. income tax on the rental income. There's a 30 per cent withholding tax on the rent you collect, which must be deducted by you or the property management firm and sent to the IRS.

If you sell your U.S. property, there's a withholding tax of 10 per cent of the gross sale price. there are two exceptions to this rule: if the sale price is less than $300,000 and the purchaser plans to use the home as a residence; or if a withholding certificate is obtained. This certificate can be issued if the tax liability will be less than 10 per cent of the sale price, and will show what amount should be withheld by the purchaser rather than the full 10 per cent.

Property taxes are also a consideration. Some states charge higher property taxes to out-of-state owners

Insurance is another major consideration. Most Canadians realize that if they travel to the U.S., they require medical insurance. When insuring the property, be aware that some coastal areas that often have hurricanes and flooding will have higher insurance costs. You'll also want to make your sure have adequate liability insurance. If you'll be hiring tradespeople to work on your property, make sure they are covered with workers compensation.

check this link for more detailed TAX implications

http://www.bdo.ca/library/publications/tax/taxbulletins/092005.cfm


Example: people who bought houses in the US 3 years ago are facing.

1) decrease in housing price
2) problem with managing real estate long distance
3) travel expanse
4) Tax
5) Lost opportunities in Canada


I like to talk with numbers, so here is an example of people who spent $100,000 bought property in the US vs bought in Canada

Invested in the US 3 years ago.

house price $100,000 US
travel expense $1500 US
other expenses $$$ unknow
Risk $$$ case by case basis

let's use Florida for example the median price for Oct 2008 to Oct 2010 went from $195K to $150K

http://www.homepricetrend.com/tampa-fl

that's 25% drop in 2 years, so the investment of $100,000 is now worth $75,000 Us convert that to Canadian dollar today's exchange rate.

Investment of $104,500(Canadian dollar, number from below) invested three years ago is now only worth $72,000 Can today.


Invested in Canada, I been getting about 25% annual return while invest in Canada.

$100,000 US = $103,000 Canadian in 2008
no travel expenses = $1500 saved.

Total Canadian dollars you could invested in Canada is $104,500 in 2008

at 25% return you would have over $200,000 if you invested in Canada for the past three years.

Withholding tax is just withhold. It will be given to you after you report tax. Is it right?

 

[abacada]

Withholding tax is just withhold. It will be given to you after you report tax. Is it right?

Will only give you back the difference, I think.

 

[dz2002ca]

Will only give you back the difference, I think.

thanks. So we just lose about 1/2 year interest

 

[cfcplayer]

No, you also lose the right to use/invest the witheld fund during that time period. You also have to spent time/effort/money to file US tax return. You also have to maintain US bank accounts. You likely need to read US tax law/rules to ensure accurate tax evaluation. God bless you don't get an IRS audit/investigation, otherwise ....

Other people can add more items here....

I agree with GoldMonkey, how much do you think you can make, do you think local US guys are all fools, how complexe you want your life to be?

thanks. So we just lose about 1/2 year interest

 

[lahaya]

What investment gave you 25% return annually in Canada, could share it with everybody?

I think it's a bad idea, too much risk too little reward, this is from purely investment point of view.

If you're planning to rent the property out for part or all of the year, the U.S. Internal Revenue Service will consider you a "non-resident alien" and you must pay U.S. income tax on the rental income. There's a 30 per cent withholding tax on the rent you collect, which must be deducted by you or the property management firm and sent to the IRS.

If you sell your U.S. property, there's a withholding tax of 10 per cent of the gross sale price. there are two exceptions to this rule: if the sale price is less than $300,000 and the purchaser plans to use the home as a residence; or if a withholding certificate is obtained. This certificate can be issued if the tax liability will be less than 10 per cent of the sale price, and will show what amount should be withheld by the purchaser rather than the full 10 per cent.

Property taxes are also a consideration. Some states charge higher property taxes to out-of-state owners

Insurance is another major consideration. Most Canadians realize that if they travel to the U.S., they require medical insurance. When insuring the property, be aware that some coastal areas that often have hurricanes and flooding will have higher insurance costs. You'll also want to make your sure have adequate liability insurance. If you'll be hiring tradespeople to work on your property, make sure they are covered with workers compensation.

check this link for more detailed TAX implications

http://www.bdo.ca/library/publications/tax/taxbulletins/092005.cfm


Example: people who bought houses in the US 3 years ago are facing.

1) decrease in housing price
2) problem with managing real estate long distance
3) travel expanse
4) Tax
5) Lost opportunities in Canada


I like to talk with numbers, so here is an example of people who spent $100,000 bought property in the US vs bought in Canada

Invested in the US 3 years ago.

house price $100,000 US
travel expense $1500 US
other expenses $$$ unknow
Risk $$$ case by case basis

let's use Florida for example the median price for Oct 2008 to Oct 2010 went from $195K to $150K

http://www.homepricetrend.com/tampa-fl

that's 25% drop in 2 years, so the investment of $100,000 is now worth $75,000 Us convert that to Canadian dollar today's exchange rate.

Investment of $104,500(Canadian dollar, number from below) invested three years ago is now only worth $72,000 Can today.


Invested in Canada, I been getting about 25% annual return while invest in Canada.

$100,000 US = $103,000 Canadian in 2008
no travel expenses = $1500 saved.

Total Canadian dollars you could invested in Canada is $104,500 in 2008

at 25% return you would have over $200,000 if you invested in Canada for the past three years.

 

[陪你去看龙卷风]

有100k直接砸一栋房子的话，我宁可砸在加拿大，至少还贷的上款，可以有资金运转。

 

[ccc]

有100k直接砸一栋房子的话，我宁可砸在加拿大，至少还贷的上款，可以有资金运转。

同意。

房子价格，是水涨船高的事儿，相对而言是高进高走、低进低走。

 

[wiiwii]

在FLORIDA买个房度假的时候去用用还可以，又省了房钱，说不定10－20年后房价还DOUBLE了，退休了也可以住

 

[terry890]

What investment gave you 25% return annually in Canada, could share it with everybody?

$100,000 as down payment, you could buy a house that's worth $500,000 in 2008.

Assume the house increase in value at 6% per year, this house would worth around $600,000 today, and your mortgage would still be less than $400,000.

The $100,000 investment is now $200,000+ in three years.

You don't even require to get better than average returns to achieve it.

 

[terry890]

为什么要把自己的生活搞复杂呢？ 简单轻松一点， 生活可以更美好。

当然了， 如果喜欢复杂，那是另外一回事。

但是买房子， 地点永远第一。 今天听广播还说呢， 买房子，location, location, location, 要不温哥华的房子再贵也有人买。 买房子，可不能什么地方便宜买什么。

Very well said, 买房子，可不能什么地方便宜买什么, you can find cheap houses in Canada too, for example Windsor downtown.

I just did a quick search on mls, there are 61 houses with 3+ bedrooms and 2+ bathrooms house for less than $100,000

http://www.realtor.ca/propertyDetails.aspx?propertyId=10185459&PidKey=606614714

http://www.realtor.ca/propertyDetails.aspx?propertyId=10199042&PidKey=-1432095107

http://www.realtor.ca/propertyDetails.aspx?propertyId=10275215&PidKey=915785286


you can buy this 6 bedroom ALL BRICK semi for $34,900, since it's in Canada, you only need to put $7000 down payment to own it. CHEAP CHEAP

http://www.realtor.ca/propertyDetails.aspx?propertyId=10311740&PidKey=-1139673788

this 5 bedroom 2 bathroom single house with a hug lot, right at the heart of downtown Windsor for $42,000 and I'm sure the price is negotiable.

http://www.realtor.ca/propertyDetails.aspx?propertyId=9665371&PidKey=-1256879818

it doesn't make a good bargain just because it's cheap

 

[xinjing]

为什么要把自己的生活搞复杂呢？ 简单轻松一点， 生活可以更美好。

当然了， 如果喜欢复杂，那是另外一回事。

但是买房子， 地点永远第一。 今天听广播还说呢， 买房子，location, location, location, 要不温哥华的房子再贵也有人买。 买房子，可不能什么地方便宜买什么。

不喜欢复杂.
Location 是非常重要.非常赞同.

 

[ccc]

在FLORIDA买个房度假的时候去用用还可以，又省了房钱，说不定10－20年后房价还DOUBLE了，退休了也可以住

说不定你圣诞节度假去的时候，房子已经不见了。