Can a foreigner buy a house in USA?

Yes. The US federal government has no restrictions on foreign investment in US real estate, so it is pretty much a level playing field for US citizens, US resident aliens, and foreign nationals. Foreign purchases amounted to less than 2% of total sales and dollar volume, however, certain states attract more interest than others. To learn more about the buying process read our home buying guide and foreign buyer guide.

What are the major rules for foreigners buying property in US?

Financing is readily available to foreign buyers when buying a property in the U.S. , but they often face challenges due to the absence of a U.S. credit history. Most large banks won't lend to foreigners unless they have a work visa, however, some international banks, like HSBC, will loan to foreigners regardless of residency status. Private banks, such as JP Morgan and Citi Private will also make loans to non-us residents. A foreign national mortgage loan usually will require a larger down payment than a mortgage from a local resident. Foreign buyers must properly structure their real estate investments to avoid or hedge against the estate tax. The tax implications of choosing the wrong structure can cost the buyer in the long run if not dealt with upfront. The foreign investment in real property tax act FIRPTA requires the government withhold a percentage of the proceeds to cover potential capital gains tax that might be due. The withholding rate is equal to 15% of the proceeds. The amount withheld is returned by the Internal Revenue Service to the seller once they prepare their tax filing and pay their tax bill. Hiring a knowledgeable real estate agent can help work through these rules and regulations effectively. View our blog 'Four Rules for Foreigners Buying Property in USA" below! CHECK IT OUT!

Do foreign buyers have to pay extra stamp duties?

No. There are no extra stamp duties imposed on foreign buyers in the US, unlike Hong Kong, Singapore, London, Vancouver, Toronto, Sydney, Melbourne, and Spain, which all add between 7% - 100% additional tax on foreign buyers. The United States does not penalize foreigners when buying US property. In general, combined transfer taxes (i.e mansion tax, title insurance, attorney fees, title transfers, and other closing costs) in Miami and Manhattan real estate, generally, run between 1.5 - 4.5% depending upon the purchase price. An additional 2.2% of the mortgage amount for mortgage recording tax should be added if obtaining a mortgage. When purchasing a new development, it is practice for the buyer to pay the developer's transfer taxes of approximately 2%. Accordingly, total closing costs in the United States will range from 1.5% to 6%.

Do I have to pay a brokerage commission when buying a property?

Maybe. While Commissions used to always be paid by the seller, in 2025, the rules have changed and now the buyer may be required to pay the commission if the seller is not offering to pay the commission. So far, most sellers in NYC and Miami have found it beneficial to offer to pay the broker commission. It is best to work with experienced real estate agents who have worked with foreign buyers in the US property market before on your side in the transaction. A knowledgeable real estate agent can assist with the complexities of real estate transactions, negotiate offers, and provide valuable insights into market trends and legal requirements. It is also best to have a real estate attorney who has worked on international transactions in the past. In addition, a tax professional will be useful. We can recommend these professionals who we have been working with for year. VIEW THE CHECKLIST!

Can a foreigner buy a house in USA with a mortgage?

Mortgage loans for foreign nationals are readily available. For instance, HSBC, Wells Fargo and many private banks will act as mortgage lenders to foreigners by offering foreign national loans. Below are highlights of HSBC's terms for foreigners national mortgage: 30% Minimum down payment $3 million maximum mortgage amount, which translates to a property value of $4.3 million $50,000 or $100,000 on deposit from HSBC 12 months reserves (mortgage payment, common charge, and taxes) are required to be on deposit (in addition to the funds on deposit) A knowledgeable real estate agent can assist in securing a mortgage and working through the financing process. A local bank won't lend to foreigners as they have no US credit report, however, HSBC is skilled at reviewing foreign financial records and can provide mortgage approval to non us citizens even if they don't have US permanent residency. These mortgage loans can be for residential property used as a second home or an investment property. Generally, if the apartment will be used as an investment property, the mortgage interest rate will be a bit higher. Interest rates vary on a daily basis, so connect with us for the latest rates.

How are foreigners treated differently than US residents when buying a home?

United States tax policy is generally favorable to both foreign investors in US real estate and residents alike on property ownership. Therefore, there are a few specific rules for foreigners buying property in the USA. Some differences include buying in co-ops, which prefer buyers of a primary residence. Also, a bank's underwriter will treat the foreign buyer as a bit riskier and charge an extra 1/2 point in the interest rate, but these are not government regulations. A knowledgeable real estate agent can help foreign buyers understand these differences and work through the buying process. Want to learn about Adapting to Life in the USA? LEARN MORE!

Do I need multiple real estate agents to find a property?

In the US, it is wisest to work with one professional real estate broker during your search, especially for foreign buyers in the US property market. Unlike London, Paris and Brazil, the US property market is very transparent. To encourage velocity in the real estate market, The Real Estate Board of New York and Florida Department of State, for example, require brokerages to share their exclusive property listings within 24 hours, so a good buyer's broker can get you in to see any apartment on the market. Committing to one broker means you get the highest service level from that broker, as all the broker's attention will be on you and your search. Hiring a knowledgeable real estate agent is crucial, especially for foreign buyers, to address the complexities of real estate transactions and provide valuable insights into market trends and legal requirements.

What types of property can I buy as a foreigner?

Foreign investments in US real estate are generally restricted to purchasing condos, condops, single family homes, and multi family homes. In Manhattan, generally, Foreign buyers are NOT restricted from buying condominiums, condops, single-family homes, or multi-family homes. Co-ops prefer primary homeowners and generally prohibit foreign ownership unless the majority of the buyer's assets and primary source of income are in the US. Learn about the difference between condo and coop. A knowledgeable real estate agent can help find suitable properties foreigners are looking for, whether that is a vacation property or an investment property. Want tips on investing in Miami Real Estate? READ THE BLOG!

How should I structure the property purchase to minimize taxes?

Deals can be structured an infinite number of ways, however, the tax treatment of the purchase and sale can be quite different based on how the structure is set up, especially in the context of foreign investment in US real estate. There are two ways in particular that our investors will choose to avoid the estate tax one must consider how the estate tax may affect the owner as well as whether there is any tax treaty between the US and their home country that might treat income, expenses and capital gains differently than the United States. Generally, we suggest obtaining advice on structuring the deal Consider Federal and state tax issues, as well as the impact of tax treaties. Seek local counsel in the US for structuring (LLC, Foreign Corp, etc.) and tax advice. Always consult your attorney before signing contracts Learn more about the Cost Components of a Real Estate Investment A knowledgeable real estate agent can provide guidance on structuring property purchases to minimize taxes.

Do I have to worry about income taxes?

Generally, a buyer who purchases a property to generate income, including foreign investment in US real estate, will be able to offset such rental income by cash expenses, like property taxes, maintenance, mortgage interest and non-cash expenses, like depreciation. Accordingly, early years will create paper losses, which can be carried forward 15 years. Therefore, owners won't pay tax on rental income until the losses are used up, typically around 12 years. Foreigners are allowed to purchase property in the United States without needing a Taxpayer Identification Number (TIN). However, obtaining a TIN is crucial in specific circumstances, especially regarding tax responsibilities. For example, if you intend to rent out the property or sell it later, a TIN is required for reporting rental income, paying related taxes, and adhering to the Foreign Investment in Real Property Tax Act (FIRPTA) regulations. A knowledgeable real estate agent can help foreign buyers understand their tax responsibilities and stay compliant. Individuals not eligible for a Social Security Number (SSN) can apply for an Individual Taxpayer Identification Number (ITIN) using Form W-7. This process involves providing documentation to verify your foreign status and identity.

For foreigners selling property in USA, what issues should I be aware of?

When selling a property as foreign investors in US real estate, the two main costs are: a) transfer taxes of approximately 2% and b) broker sales commission of 5% to 6%. In addition, there are taxes to consider, capital gains tax and estate tax. With proper planning, the estate tax can be avoided or hedged against. Capital Gains tax in the US for non-residents is the same as it is for residents if purchasing in the name of an LLC or individual. The maximum federal rate is 28%. US estate tax for foreigners US capital gains tax on real estate for foreigners A knowledgeable real estate agent can assist foreign sellers with the selling process and keep it smooth.

What about conducting due diligence and closing the deal?

Conducting due diligence is a critical step in the home-buying process, especially for foreign investment in US real estate. A good attorney will provide the legal services required to perform complete due diligence. It involves a thorough examination of the property's condition, title, and any potential issues that could affect its value or ownership. Here are some key aspects to consider: Property Inspection: Hire a professional inspector to examine the property's condition, including its foundation, roof, plumbing, electrical systems, and any signs of damage or needed repairs. This step makes you aware of any potential issues before finalizing the purchase. Title Search: Conduct a thorough title search to confirm the seller has clear ownership of the property and there are no outstanding liens or disputes. This helps prevent any legal complications that could arise from unclear property ownership. Review of Property Records: Review the property's records, including its deed, title report, and any outstanding mortgages or liens. This provides a comprehensive understanding of the property's legal and financial status. Environmental Concerns: Check for any environmental concerns, such as nearby industrial sites, flood zones, or other potential hazards. This confirms that the property is safe and suitable for your intended use. Once due diligence is complete, it's time to close the deal. This involves: Signing the Purchase Agreement: Sign the purchase agreement, which outlines the terms of the sale, including the price, closing date, and any contingencies. This legally binds both parties to the agreed terms. Finalizing Financing: Finalize your financing arrangements, including securing a mortgage and completing any necessary paperwork. Confirm that all financial aspects are in order before proceeding to the closing. Closing: Attend the closing meeting, where the property is transferred to your ownership, and complete any remaining paperwork. This is the final step in the buying process, where you officially become the property owner.

What are the requirements for insurance and utilities?

As a foreign buyer, it's essential to consider foreign investment in US real estate, insurance, utilities, and estate planning when purchasing property in the US. Insurance: Obtain insurance to protect your property against damage, loss, or liability. This may include homeowners insurance, title insurance, and liability insurance. These policies provide financial protection and peace of mind in case of unforeseen events. Utilities: Set up utilities in your name, including electricity, gas, water, and internet services. Confirm that all necessary services are activated and transferred to your name to avoid any disruptions. We receive many questions about New York Real Estate. Are you interested in getting your questions answered? We address them in 'Answers to FAQ's by Foreigners Interested in Buying and Selling NY Real Estate': I'M INTERESTED!

What about Estate Planning and Taxes?

Estate Planning: As I mentioned above, structuring the deal is very important for estate planning. This keeps your property distributed according to your wishes in the event of your passing as well as limit taxation of the transaction. This may include creating a will, establishing a trust, setting up a power of attorney, or setting up an LLC and Foreign Corporation. Proper estate planning helps manage your assets and provides clear instructions for their distribution. Experienced real estate agents and attorneys can guide you through these processes and keep the transaction smooth. Tax Implications: As a foreign buyer, it's essential to understand the tax implications of owning property in the US. This may include: Capital Gains Tax: Paying capital gains tax on any profits from selling the property. Understanding the rates and regulations can help you plan your investment strategy. Income Tax: Paying income tax on any rental income generated by the property. Properly reporting rental income and expenses is crucial to comply with US tax laws. Property Tax: Paying property taxes on the property's value. These taxes are typically assessed annually and vary by location. Consult with a tax professional so you understand your tax obligations and any potential tax implications. Foreign Ownership: As a foreign buyer, it's essential to understand the rules and regulations surrounding foreign ownership of property in the US. This may include: FIRPTA: Understanding the Foreign Investment in Real Property Tax Act (FIRPTA) and its implications for foreign buyers. FIRPTA requires foreign sellers to pay a withholding tax on the sale of US real estate. Tax Treaties: Understanding any tax treaties between the US and your home country that may affect your tax obligations. These treaties can provide benefits such as reduced tax rates or exemptions. Consult with a real estate attorney or tax professional so you understand the rules and regulations surrounding foreign ownership of property in the US. This will help you address the complexities of the US property market and make informed decisions.

Manhattan Miami

International Buyers

Can Foreigners Buy Property in the USA?

Yes. Foreign buyers and non-resident buyers can purchase U.S. residential real estate without citizenship, a green card, or U.S. residency. Here is exactly how it works, and how to do it well.

Speak With an Advisor Read the Buyer Playbook ↓

The Short Answer

Yes. And There Is No Visa or Residency Requirement

Foreign nationals can freely buy, own, and sell residential real estate in the United States. There is no citizenship, visa, or green-card requirement to take title to a U.S. home. You can purchase in cash, or finance with a foreign-national mortgage.

The decisions that matter are not whether you can buy, but how you structure the purchase, for financing, privacy, FIRPTA, and tax efficiency. Those choices are best made before you make an offer.

For the NYC and Miami-specific path, read our foreign buyers guide to NYC and Miami real estate, including condos versus co-ops, foreign-national financing, FIRPTA, estate-tax planning, and remote closings.

What You Need

The Essentials for an International Purchase

Funds & Financing

Cash purchases are common and fast. Foreign-national mortgages exist, typically 30%-40% down with proof of funds and income.

ITIN & Documentation

An ITIN (Individual Taxpayer Identification Number) and standard KYC documents; no Social Security number or residency needed.

Ownership Structure

Personal name, LLC, or trust, chosen with counsel for privacy, liability, and U.S. estate-tax planning before you offer.

Tax & Legal

Plan for FIRPTA and U.S. Estate Tax

Two items deserve advance planning with a U.S. attorney and tax advisor: FIRPTA (withholding on the eventual sale by a foreign seller) and U.S. estate-tax exposure on directly held property. The right ownership structure can materially change both.

For a deeper treatment, see our U.S. estate tax guide for foreign buyers and the full International Buyer's Guide for NYC & Miami.

Why Manhattan Miami

Foreign-Buyer Specialists in Two Markets

Over 75% of our clients are based outside the United States. We act as exclusive buyer advisors, collecting you on arrival, touring discreetly, negotiating on your behalf, and coordinating attorneys, lenders, and tax advisors. As the seller pays the U.S. commission, our first-class service costs you nothing as the buyer.

We work with translators and have agents fluent across Chinese, Brazilian Portuguese, Spanish, French, Italian, and Korean.

Baca pertanyaan yang paling sering diajukan klien internasional kami

Fakta Singkat 2026

Jawaban singkat: Ya.

Pembatasan federal atas kepemilikan asing atas real estate AS

15%

Pemotongan FIRPTA saat pemilik asing menjual

30%

Uang muka minimum tipikal untuk hipotek foreign-national

$60K

Pembebasan pajak warisan AS untuk pemilik non-domisili (vs $15M untuk penduduk)

Porsi asing dari total transaksi real estate AS

Kelayakan Negara, Referensi Cepat

Hukum federal terbuka untuk semua negara. Florida SB 264 (2023) membatasi tujuh "countries of concern."

✓ Akses Terbuka

Semua negara kecuali yang di bawah, akses penuh di seluruh negeri. Asal paling umum: Kanada, Meksiko, Brasil, Inggris, Jerman, Italia, India, Argentina, Kolombia, Prancis, Israel, UEA, Arab Saudi.

⚠ Tiongkok, Dibatasi di Florida

Florida SB 264 secara efektif melarang pembelian residensial oleh warga negara Tiongkok (non-warga / non-PR). Pengecualian sempit 1 properti dengan kriteria ketat. New York: tanpa pembatasan.

⚠ FL "Countries of Concern"

Rusia, Iran, Korea Utara, Kuba, Venezuela (rezim Maduro), dan Suriah: tidak dapat membeli properti Florida dalam jarak 10 mil dari instalasi militer atau infrastruktur kritis (~98,5% negara bagian). New York: terbuka.

✓ Manfaat Pajak Negara Perjanjian

Inggris, Prancis, Jerman, Australia, dan lainnya memiliki perjanjian pajak warisan dengan AS yang memberi non-residen pembebasan lebih besar, kadang penuh $15M. Verifikasi perjanjian negara asal Anda.

→ Lihat International Buyer's Guide lengkap untuk detail FIRPTA, perencanaan pajak warisan, dan proses 12 langkah

1. Bisakah orang asing membeli rumah di AS?

Ya. Pemerintah federal AS tidak membatasi investasi asing di real estate AS, sehingga pada umumnya lapangan bermain setara bagi warga AS, US resident aliens, dan warga negara asing. Pembelian asing kurang dari 2% dari total penjualan residensial dan volume dolar AS, tetapi beberapa negara bagian, terutama New York dan Florida, menarik permintaan internasional yang tidak proporsional. Untuk proses pembelian khusus NYC dan Miami, baca panduan pembeli asing untuk real estate NYC dan Miami, termasuk FIRPTA, perencanaan pajak warisan, pembiayaan foreign-national, dan remote closing.

2. Apa aturan utama bagi orang asing yang membeli properti di AS?

Pembiayaan pada umumnya tersedia bagi pembeli asing saat membeli properti di AS, tetapi mereka sering menghadapi tantangan karena tidak adanya riwayat kredit AS. Sebagian besar bank besar tidak meminjamkan kepada orang asing tanpa visa kerja; namun beberapa bank internasional seperti HSBC meminjamkan kepada orang asing terlepas dari status residensi. Private bank seperti JP Morgan dan Citi Private juga memberikan pinjaman kepada non-residen AS. Pinjaman foreign national mortgage biasanya mensyaratkan uang muka lebih besar daripada hipotek penduduk lokal.

Pembeli asing perlu menyusun investasi real estate mereka dengan tepat untuk menghindari atau melindungi diri dari pajak warisan. Implikasi pajak dari struktur yang salah dapat merugikan pembeli dalam jangka panjang jika tidak ditangani sejak awal.

Foreign Investment in Real Property Tax Act (FIRPTA) mengharuskan pemerintah menahan persentase dari hasil penjualan untuk menutupi potensi capital gains tax yang mungkin terutang. Tarif pemotongan sama dengan 15% dari hasil. Jumlah yang ditahan dikembalikan oleh Internal Revenue Service kepada penjual setelah mereka menyiapkan pelaporan pajak dan membayar tagihan pajak. Agen real estate yang berpengalaman dapat membantu menavigasi aturan dan regulasi ini secara efektif.

Lihat blog kami 'Four Rules for Foreigners Buying Property in USA' di bawah!

LIHAT!

3. Apakah pembeli asing harus membayar bea materai tambahan?

Tidak. Tidak ada bea materai tambahan yang dikenakan pada pembeli asing di AS, berbeda dengan Hong Kong, Singapura, London, Vancouver, Toronto, Sydney, Melbourne, dan Spanyol, yang semuanya menambahkan antara 7%–100% pajak tambahan pada pembeli asing. Amerika Serikat tidak menghukum orang asing saat membeli properti AS.

Secara umum, gabungan transfer tax (yaitu mansion tax, title insurance, biaya pengacara, pengalihan title, dan closing cost lainnya) di Miami dan Manhattan real estate, umumnya berkisar 1,5–4,5% tergantung harga pembelian. Tambahan 2,2% dari jumlah hipotek untuk mortgage recording tax perlu ditambahkan jika mengambil hipotek. Saat membeli new development, biasanya pembeli membayar transfer tax pengembang sekitar 2%. Dengan demikian, total closing cost di Amerika Serikat umumnya berkisar 1,5% hingga 6%.

4. Apakah saya harus membayar komisi broker saat membeli properti?

Mungkin. Dulu komisi selalu dibayar penjual; pada 2025 aturannya berubah dan pembeli mungkin diwajibkan membayar komisi jika penjual tidak menawarkan untuk membayarnya. Sejauh ini, sebagian besar penjual di NYC and Miami menilai bermanfaat menawarkan komisi broker. Sebaiknya bekerja dengan agen real estate berpengalaman yang telah mendampingi pembeli asing di pasar properti AS. Agen yang kompeten dapat membantu kompleksitas transaksi, menegosiasikan penawaran, dan memberikan wawasan tentang tren pasar serta persyaratan hukum.

Sebaiknya juga memiliki pengacara real estate yang berpengalaman dalam transaksi internasional. Selain itu, profesional pajak akan berguna. Kami dapat merekomendasikan profesional yang telah kami ajak kerja sama selama bertahun-tahun.

Untuk info lebih lanjut, lihat 'The Foreign Buyer's Checklist For Purchasing Manhattan Real Estate':

LIHAT CHECKLIST!

5. Bisakah orang asing membeli rumah di AS dengan hipotek?

Pinjaman hipotek untuk foreign nationals pada umumnya tersedia. Misalnya, HSBC, Wells Fargo, dan banyak private bank bertindak sebagai pemberi hipotek kepada orang asing melalui foreign national loans. Berikut sorotan syarat HSBC untuk hipotek foreign-national:

30% Uang muka minimum
$3 million jumlah hipotek maksimum, yang setara dengan property value sebesar $4.3 million
$50,000 or $100,000 sebagai deposit di HSBC
12 months cadangan (pembayaran hipotek, common charge, dan taxes) wajib ada di deposit (selain dana yang sudah di-deposit)

Agen real estate yang kompeten dapat membantu mengamankan hipotek dan menempuh proses pembiayaan. Bank lokal biasanya tidak meminjamkan kepada orang asing karena tidak ada laporan kredit AS; HSBC terampil meninjau catatan keuangan asing dan dapat memberikan persetujuan hipotek kepada non-warga AS bahkan tanpa US permanent residency.

Pinjaman hipotek ini dapat untuk properti residensial sebagai rumah kedua atau sebagai investment property. Umumnya, jika apartemen digunakan sebagai investment property, suku bunga hipotek akan sedikit lebih tinggi.

Suku bunga berubah setiap hari, jadi hubungi kami untuk suku bunga terbaru.

6. Bagaimana orang asing diperlakukan berbeda dari penduduk AS saat membeli rumah?

Kebijakan pajak Amerika Serikat pada umumnya relatif menguntungkan baik bagi investor asing di real estate AS maupun penduduk terkait kepemilikan properti. Karena itu ada beberapa aturan bagi orang asing yang membeli properti di ASyang spesifik. Beberapa perbedaan termasuk pembelian di co-ops, yang lebih menyukai pembeli residensi utama. Selain itu, underwriter bank cenderung menilai pembeli asing sedikit lebih berisiko dan mengenakan tambahan 1/2 poin pada suku bunga, tetapi ini bukan regulasi pemerintah. Agen real estate yang kompeten dapat membantu pembeli asing memahami perbedaan ini dan menempuh proses pembelian.

Ingin mempelajari Adaptasi Hidup di AS?

PELAJARI LEBIH LANJUT!

7. Apakah saya perlu banyak agen real estate untuk menemukan properti?

Di AS, paling bijak bekerja dengan satu broker real estate profesional selama pencarian, terutama bagi pembeli asing di pasar properti AS. Berbeda dengan London, Paris, dan Brasil, pasar properti AS sangat transparan. Untuk mendorong kecepatan pasar, The Real Estate Board of New York dan Florida Department of State, misalnya, mewajibkan brokerage membagikan listing eksklusif dalam 24 jam, sehingga broker pembeli yang baik dapat membawa Anda melihat setiap apartemen di pasar. Berkomitmen pada satu broker berarti Anda mendapat tingkat layanan tertinggi dari broker tersebut, karena seluruh perhatiannya pada Anda dan pencarian Anda. Memilih agen yang kompeten penting, terutama bagi pembeli asing, untuk menangani kompleksitas transaksi dan memberikan wawasan tren pasar serta persyaratan hukum.

8. Jenis properti apa yang bisa saya beli sebagai orang asing?

Investasi asing di real estate AS pada umumnya terbatas pada pembelian condo, condop, rumah keluarga tunggal, dan rumah multi-keluarga. Di Manhattan, secara umum Foreign buyers TIDAK dibatasi membeli condominium, condop, rumah keluarga tunggal, atau rumah multi-keluarga. Co-op lebih menyukai pemilik residensi utama dan pada umumnya melarang kepemilikan asing kecuali mayoritas aset dan sumber penghasilan utama pembeli berada di AS. Pelajari perbedaan antara condo dan coop. Agen real estate yang kompeten dapat membantu menemukan properti yang cocok bagi orang asing, baik properti liburan maupun investment property.

Ingin tips berinvestasi di Miami Real Estate?

BACA BLOG!

9. Bagaimana saya harus menyusun pembelian untuk meminimalkan pajak?

Transaksi dapat disusun dengan cara yang tak terbatas; namun perlakuan pajak atas pembelian dan penjualan bisa sangat berbeda tergantung struktur, terutama dalam konteks investasi asing di real estate AS. Ada dua jalur khusus yang sering dipilih investor kami untuk menghindari pajak warisan, perlu dipertimbangkan bagaimana pajak warisan dapat memengaruhi pemilik serta apakah ada perjanjian pajak antara AS dan negara asal yang mungkin memperlakukan penghasilan, biaya, dan capital gains berbeda dari hukum AS. Secara umum, kami menyarankan mendapatkan nasihat tentang penyusunan transaksi

Pertimbangkan isu pajak federal dan negara bagian, serta dampak perjanjian pajak.
Cari penasihat lokal di AS untuk penyusunan (LLC, Foreign Corp, dll.) dan nasihat pajak.
Selalu konsultasikan pengacara Anda sebelum menandatangani kontrak
Pelajari lebih lanjut tentang Komponen Biaya Investasi Real Estate

Agen real estate yang kompeten dapat memberikan panduan menyusun pembelian properti untuk meminimalkan pajak.

10. Apakah saya perlu khawatir tentang pajak penghasilan?

Secara umum, pembeli yang membeli properti untuk menghasilkan penghasilan, termasuk investasi asing di real estate AS, dapat mengimbangi pendapatan sewa dengan biaya tunai seperti pajak properti, perawatan, bunga hipotek, dan biaya non-tunai seperti depresiasi. Dengan demikian, tahun-tahun awal menciptakan paper loss yang dapat dibawa maju 15 tahun. Karena itu pemilik biasanya belum membayar pajak atas pendapatan sewa hingga kerugian habis digunakan, tipikal sekitar 12 tahun.

Orang asing diizinkan membeli properti di Amerika Serikat tanpa Taxpayer Identification Number (TIN). Namun, memperoleh TIN penting dalam keadaan tertentu, terutama terkait kewajiban pajak. Misalnya, jika Anda bermaksud menyewakan properti atau menjualnya nanti, TIN diperlukan untuk melaporkan pendapatan sewa, membayar pajak terkait, dan mematuhi Foreign Investment in Real Property Tax Act (FIRPTA). Agen real estate yang kompeten dapat membantu pembeli asing memahami kewajiban pajak mereka dan tetap patuh.

Individu yang tidak memenuhi syarat Social Security Number (SSN) dapat mengajukan Individual Taxpayer Identification Number (ITIN) dengan Form W-7. Proses ini melibatkan dokumentasi untuk memverifikasi status asing dan identitas Anda.

11. Bagi orang asing yang menjual properti di AS, isu apa yang perlu diperhatikan?

Ketika menjual properti sebagai investor asing di real estate AS, dua biaya utama adalah:

a) transfer tax sekitar 2% dan b) komisi penjualan broker 5% hingga 6%.

Selain itu ada pajak yang perlu dipertimbangkan: capital gains tax dan pajak warisan. Dengan perencanaan yang tepat, pajak warisan dapat dihindari atau dilindungi. Capital gains tax di AS untuk non-residen sama seperti untuk penduduk jika pembelian atas nama LLC atau individu. Tarif federal maksimum adalah 28%.

Pajak warisan AS untuk orang asing
Capital gains AS pajak atas real estate untuk orang asing

Agen real estate yang kompeten dapat mendampingi penjual asing melalui proses penjualan agar tetap lancar.

12. Bagaimana due diligence dan closing transaksi?

Melakukan due diligence adalah langkah kritis dalam proses pembelian rumah, terutama untuk investasi asing di real estate AS. Pengacara yang baik akan menyediakan layanan hukum yang diperlukan untuk due diligence lengkap. Ini mencakup pemeriksaan menyeluruh atas kondisi properti, title, dan isu potensial yang dapat memengaruhi nilai atau kepemilikan. Beberapa aspek utama:

Property Inspection: Sewa inspector profesional untuk memeriksa kondisi properti, termasuk fondasi, atap, plumbing, sistem listrik, dan tanda kerusakan atau perbaikan yang diperlukan. Langkah ini membuat Anda sadar akan isu potensial sebelum finalisasi pembelian.
Title Search: Lakukan title search menyeluruh untuk mengonfirmasi penjual memiliki kepemilikan jelas dan tidak ada lien atau sengketa yang tertunda. Ini membantu mencegah komplikasi hukum dari kepemilikan yang tidak jelas.
Tinjauan Catatan Properti: Tinjau catatan properti, termasuk deed, title report, dan hipotek atau lien yang tertunda. Ini memberikan pemahaman komprehensif tentang status hukum dan keuangan properti.
Isu Lingkungan: Periksa isu lingkungan seperti situs industri terdekat, zona banjir, atau bahaya potensial lainnya. Ini mengonfirmasi properti aman dan cocok untuk penggunaan yang dimaksudkan.

Setelah due diligence selesai, saatnya closing. Ini mencakup:

Menandatangani Purchase Agreement: Tandatangani purchase agreement yang menguraikan syarat penjualan, termasuk harga, tanggal closing, dan kontinjensi. Ini mengikat kedua pihak secara hukum pada syarat yang disepakati.
Menyelesaikan Pembiayaan: Finalisasi pengaturan pembiayaan, termasuk mengamankan hipotek dan menyelesaikan dokumen yang diperlukan. Pastikan semua aspek keuangan beres sebelum menuju closing.
Closing: Hadiri pertemuan closing, di mana properti dialihkan ke kepemilikan Anda, dan selesaikan dokumen yang tersisa. Ini adalah langkah akhir proses pembelian, saat Anda resmi menjadi pemilik.

13. Apa persyaratan asuransi dan utilitas?

Sebagai pembeli asing, penting mempertimbangkan investasi asing di real estate AS, asuransi, utilitas, dan perencanaan warisan saat membeli properti di AS.

Asuransi: Dapatkan asuransi untuk melindungi properti dari kerusakan, kerugian, atau liability. Ini dapat mencakup homeowners insurance, title insurance, dan asuransi liability. Polis ini memberikan perlindungan finansial jika terjadi peristiwa tak terduga.
Utilitas: Siapkan utilitas atas nama Anda, termasuk listrik, gas, air, dan internet. Pastikan semua layanan yang diperlukan diaktifkan dan dialihkan ke nama Anda agar tidak ada gangguan.

Kami menerima banyak pertanyaan tentang New York Real Estate. Tertarik mendapat jawaban atas pertanyaan Anda? Kami membahasnya di 'Answers to FAQ's by Foreigners Interested in Buying and Selling NY Real Estate':

SAYA TERTARIK!

14. Bagaimana dengan Estate Planning dan Pajak?

Estate Planning: Seperti disebutkan di atas, penyusunan transaksi sangat penting untuk estate planning. Ini menjaga properti Anda didistribusikan sesuai keinginan jika Anda meninggal serta membatasi perpajakan transaksi. Ini dapat mencakup membuat wasiat, mendirikan trust, menyiapkan power of attorney, atau membentuk LLC dan Foreign Corporation. Estate planning yang tepat membantu mengelola aset dan memberikan instruksi jelas untuk distribusinya.

Agen real estate dan pengacara berpengalaman dapat memandu Anda melalui proses ini dan menjaga transaksi tetap lancar.

Implikasi Pajak: Sebagai pembeli asing, penting memahami implikasi pajak dari memiliki properti di AS. Ini dapat mencakup:

Capital Gains Tax: Membayar capital gains tax atas laba dari penjualan properti. Memahami tarif dan regulasi dapat membantu merencanakan strategi investasi.
Pajak Penghasilan: Membayar pajak penghasilan atas pendapatan sewa yang dihasilkan properti. Melaporkan pendapatan sewa dan biaya dengan benar penting untuk mematuhi hukum pajak AS.
Pajak Properti: Membayar pajak properti atas nilai properti. Pajak ini biasanya dinilai setiap tahun dan bervariasi menurut lokasi.

Konsultasikan profesional pajak agar Anda memahami kewajiban pajak dan potensi implikasi pajak.

Kepemilikan Asing: Sebagai pembeli asing, penting memahami aturan dan regulasi seputar kepemilikan asing atas properti di AS. Ini dapat mencakup:

FIRPTA: Memahami Foreign Investment in Real Property Tax Act (FIRPTA) dan implikasinya bagi pembeli asing. FIRPTA mengharuskan penjual asing membayar withholding tax atas penjualan real estate AS.
Perjanjian Pajak: Memahami perjanjian pajak antara AS dan negara asal Anda yang dapat memengaruhi kewajiban pajak. Perjanjian ini dapat memberikan manfaat seperti tarif lebih rendah atau pembebasan.

Konsultasikan pengacara real estate atau profesional pajak agar Anda memahami aturan kepemilikan asing di AS. Ini membantu menangani kompleksitas pasar properti AS dan membuat keputusan yang tepat.

15. Kesimpulan: Berhasil Membeli Properti di AS sebagai Pembeli Asing

Membeli properti di AS sebagai pembeli asing bisa menjadi proses yang kompleks dan menantang, tetapi dengan panduan dan nasihat yang tepat, proses ini juga dapat menjadi pengalaman yang sukses dan bermanfaat. Dengan memahami kelayakan dan persyaratan, menempuh kompleksitas kepemilikan asing, mengamankan pembiayaan, dan bekerja dengan agen real estate berpengalaman, pembeli asing dapat mencapai tujuan memiliki properti di AS. Bagi investor asing yang mendiversifikasi portofolio atau pembeli yang mencari rumah liburan, pasar properti AS menawarkan peluang yang kuat. Dengan keahlian dan panduan yang tepat, Anda dapat menyelesaikan pembelian dengan percaya diri.

Yang Perlu Anda Ketahui dalam 60 Detik

Ya, dan tanpa pajak ekstra. Orang asing membayar transfer tax yang sama seperti warga AS. Tanpa surcharge bea materai seperti Singapura, Toronto, atau Vancouver.

Fokus pada condo, bukan co-op. Sebagian besar co-op NYC melarang pemilik asing. Condo dan condop menyambut pembeli internasional.

Pembiayaan tersedia. Hipotek foreign-national dari HSBC, JP Morgan Private, Citi Private, tipikal uang muka 30–50%.

FIRPTA saat penjualan. Pemotongan 15% atas harga jual bruto. Dikembalikan setelah pelaporan; administratif, bukan punitif.

Pajak warisan membutuhkan perencanaan. Pembebasan $60K vs $15M untuk penduduk. Gunakan perusahaan holding asing atau struktur LLC dua tingkat.

Anda tidak perlu terbang masuk. Closing berlangsung via Power of Attorney; pengacara Anda menandatangani atas nama Anda.

Siap Mendalami Lebih Jauh?

Langkah berikutnya tergantung di mana Anda berada dalam proses. Setiap panduan di bawah mengarahkan Anda ke lapisan detail berikutnya.

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Mulai dengan percakapan, bukan listing.

Jadwalkan Konsultasi Rahasia →

Transaksi lintas negara, perencanaan FIRPTA & pajak warisan, introduksi hipotek foreign-national.

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