在美国买房产是个好投资吗?

[xinjing]

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.

多谢你的信息
看来要好好学习.

 

[xinjing]

多谢大家的热心回复.看来到美国买房产不是一个好投资.

 

[GoldMonkey]

房价便宜总有便宜的原因，房价贵也有贵的理由。

不能见便宜就买，最后反而可能吃亏
也不能见贵就追，最后也可能被套牢

如果是自己住，俺觉得该买就买；

如果是投资，则要多考虑一下。具体怎么办？ 俺也不知道

 

[wiiwii]

房价便宜总有便宜的原因，房价贵也有贵的理由。

不能见便宜就买，最后反而可能吃亏
也不能见贵就追，最后也可能被套牢

如果是自己住，俺觉得该买就买；

如果是投资，则要多考虑一下。具体怎么办？ 俺也不知道

有做理财顾问的潜质啊

 

[wishyouluck]

那加拿大公民在美国买房子自己住和出租有什么区别呢, 比如去美国工作3-5年,去的时候买个房子,走的时候卖掉,税务上有没有什么麻烦的地方?

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.

 

[shemozhuben]

一般建议国外投资占总投资的10-20%左右。
如果你去美国买个房子又不住那里，那你算算自己的国外投资是不是大了点？

 

[jagar]

还是有很多加拿大人在美国买了房子的，低价买进总有希望涨的，不去试试怎么行？富贵险中求，况且如果几万就买一个的话，风险及其有限

 

[Happy Feet]

楼主如果是要买的话，就自己做做功课先。大家都说好的时候，可能要走开。大家说不好的时候，可能就是进场的时候。如果真的要，就选几个区域，实地去看看。看看自己需要什么样的投资回报，Cash flow还是House Return Value. 我认识村里的，有在美国已经买了10来套，每个月有过万cash flow的，也有每个月用自己的钱还美国房子mortage的。其实道理很简单，就像你问买股票是好的投资吗？为什么有的人输的裤子没有了，但有的人日进斗金呢？

 

[jarvis CHEN]

多伦多很多朋友是在拉斯维加斯买的，据说那里的华人多，离洛杉矶又近，房价的反弹比佛州快，物管费和地税还比佛州低。一套成色不错的CONDO（900尺以上），有房客的价格在7-7.8万，好像租金一般都是700-800。

 

[Chenchennew]

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.

不是很同意你的说法，首先关于RENTAL INCOME扣税30%是US IRS 一个对不报税海外居民的一个惩罚性规定。你可以在第一次报税时SELECT OUT。就可以抵扣所有的费用，并且税率比照当地居民。卖房时的WITHHOLD TAX也是可以根据实际情况返还的。PROPERTY TAX也没有那么可怕，因为房价的跌势，政府评估也下降，地税也随之降低。我买了两套，一套买价4万，地税只有600多一年。租了725每月。我个人觉得投资一定要看时机。现在应该是个好时机，加币高，美国房价便宜。在房价都跌破成本的时候，再跌的余地也不大了。虽然不能预期什么时候房价会回升，但有一点可以肯定，就是现在买房，会有很好的回报和现金流。

 

[Jingle]

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。

没错，risk也小很多。