Luật sư mỹ tiết lộ “chiêu” vay tiền mua nhà ở Mỹ mà không cần phải định cư _ GCTNUS #7
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Gõ Cửa Thăm Nhà Cùng Thuý Nga là chương trình thực tế, cùng Thuý Nga đến thăm những người Việt Nam đang sinh sống và làm việc tại Hải ngoại để tìm hiểu về cuộc sống, quá trình khởi nghiệp và những câu chuyện “dở khóc dở cười” xung quanh câu chuyện lập nghiệp cuả họ xứ Cờ hoa
Theo chân Thúy Nga đến thăm Mr.Erick và lý giải được việc sở hữu một bất sản Mỹ mà không cần thẻ xanh định cư tại Mỹ. Chương trình được hỗ trợ bởi Mr. Erick với nhiều năm kinh nghiệm trong lĩnh vực hỗ trợ tài chính mua bất động sản tại Mỹ.
Gõ Cửa Thăm Nhà US phát sóng lúc 20H00 Thứ Ba hàng tuần trên kênh Youtube MCVMedia
► Cùng MCV Media thăm nhà sao ở Mỹ tại đây: https://bit.ly/GoCuaThamNhaUS
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Luật sư mỹ tiết lộ “chiêu” vay tiền mua nhà ở Mỹ mà không cần phải định cư | GCTNUS #7
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Cùng Media theo dõi các chương trình hấp dẫn và đặc sắc khác:
► BẠN MUỐN HẸN HÒ – FULL: https://bit.ly/BanMuonHenHo_Full
► MẸ CHỒNG NÀNG DÂU – FULL : https://bit.ly/MECHONGNANGDAU2022
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Website: http://mcv.com.vn
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Gõ Cửa Thăm Nhà Cùng Thuý Nga là chương trình thực tế, cùng Thuý Nga đến thăm những người Việt Nam đang sinh sống và làm việc tại Hải ngoại để tìm hiểu về cuộc sống, quá trình khởi nghiệp và những câu chuyện “dở khóc dở cười” xung quanh câu chuyện lập nghiệp cuả họ xứ Cờ hoa
Theo chân Thúy Nga đến thăm Mr.Erick và lý giải được việc sở hữu một bất sản Mỹ mà không cần thẻ xanh định cư tại Mỹ. Chương trình được hỗ trợ bởi Mr. Erick với nhiều năm kinh nghiệm trong lĩnh vực hỗ trợ tài chính mua bất động sản tại Mỹ.
Gõ Cửa Thăm Nhà US phát sóng lúc 20H00 Thứ Ba hàng tuần trên kênh Youtube MCVMedia
► Cùng MCV Media thăm nhà sao ở Mỹ tại đây: https://bit.ly/GoCuaThamNhaUS
Cùng MCV Media xem các sản phẩm xịn, deal siêu mịn:
◼ Website: https://mshop247.com/
◼ TikTok: https://www.tiktok.com/@mshop.mcv?lan...
Cùng MCV Media chăm sóc sức khỏe cho những người thân yêu:
◼ Website: doctornetwork.us
◼ Tải Doctor Network trên IOS: http://invite.doctornetwork.us
◼ Tải Doctor Network trên Google Play: https://play.google.com/store/apps/de...
Luật sư mỹ tiết lộ “chiêu” vay tiền mua nhà ở Mỹ mà không cần phải định cư | GCTNUS #7
#DanhhaiThuyNga #MCVMedia #GoCuaThamNhaUS #GCTNUS007 #MCVNetwork #GCTNUS #MCV
GCTNUS_007
Cùng Media theo dõi các chương trình hấp dẫn và đặc sắc khác:
► BẠN MUỐN HẸN HÒ – FULL: https://bit.ly/BanMuonHenHo_Full
► MẸ CHỒNG NÀNG DÂU – FULL : https://bit.ly/MECHONGNANGDAU2022
►VỢ CHỒNG SON - FULL: https://bit.ly/VOCHONGSON2022
►TÌNH TRĂM NĂM - FULL: https://bit.ly/TINHTRAMNAM2022
Website: http://mcv.com.vn
~-~~-~~~-~~-~
© Chương trình thuộc bản quyền của MCV Media.Vui lòng không sao chép, re-upload dưới mọi hình thức.
✖Tài khoản của bạn có thể sẽ bị khóa vĩnh viễn nếu như sao chép và reup các nội dung trên
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TVTranscript
00:00Thúy Nga's Vietnamese Home Tour
00:06Hello everyone!
00:09Today, we're here again with the show
00:12Who's at the door?
00:14Who's at the door?
00:16I'm so confused.
00:17I don't know who's at the door.
00:18Ah, I remember.
00:20Thúy Nga reviewed a lot of beautiful houses that day.
00:24Thúy Nga's Youtube channel
00:26She likes to review beautiful houses
00:29like the one in Bay,
00:30houses that are far away,
00:32houses that are precious.
00:34Many of my friends and audiences
00:37asked me how to buy a house
00:39because the house in the US is so beautiful.
00:41Especially Vietnamese people.
00:43Vietnamese people who have money
00:46really like to buy houses abroad.
00:48That's a feature that I just discovered.
00:51Today, I have the opportunity
00:54to come to this place.
00:56I'm going to ask people
00:59if it's easy to buy a house in Vietnam
01:04or any other country in the US.
01:06Is it easy?
01:08Can people who have money in the US buy a house?
01:11Can people who don't have money in the US buy a house?
01:14Let's get in here.
01:17Here.
01:21We're here.
01:22We're here.
01:23Now we're going to knock on the door
01:25to see what's going on.
01:35The door doesn't have a lock.
01:37Why do I have to knock on someone's door?
01:40Hi, I'm Erik.
01:42Thúy Nga. How are you?
01:44I'm good.
01:45It's my pleasure to meet Erik today.
01:48According to Thúy Nga's acquaintance,
01:52Erik is a housekeeper.
01:55Thúy Nga, have a seat.
01:57Thank you.
02:08Today, we're going to talk to Erik,
02:11a housekeeper in the US.
02:14He's very experienced and professional.
02:16He's helped many of Thúy Nga's friends.
02:20Thúy Nga is one of them.
02:22It's a pleasure to meet you.
02:24How are you?
02:25I'm good. Thank you, Thúy Nga.
02:27Hello, everyone.
02:28I have a lot of questions to ask you
02:32to share with my friends in Vietnam.
02:35I have a lot of Vietnamese friends
02:38who have money,
02:39but they don't have a house in the US.
02:42They want to buy a house.
02:44They want to buy a house for their children.
02:47Can they do that?
02:49Okay.
02:50First of all, there's a problem
02:52that needs to be clarified.
02:54The US is different from Vietnam.
02:56The US allows foreigners
02:58to buy real estate in the US.
03:00It's officially allowed.
03:02Foreigners are Europeans,
03:04Chinese, and Vietnamese.
03:06So Vietnamese people in Vietnam
03:08can buy a house in the US.
03:10They don't have to ask anyone.
03:12First of all, Vietnamese people
03:14have the right to buy a house in the US.
03:16It's official.
03:17Another thing that Thúy Nga and I will say
03:20is that if you need to buy a house,
03:23banks and financial companies in the US
03:27will also allow it.
03:29So people from Vietnam
03:31come here to buy a house.
03:33They don't have a residence permit,
03:35but they can buy a house
03:36and they can buy real estate in the US.
03:38That's right.
03:39They are foreigners.
03:41They don't have a residence permit.
03:45They are 100% foreigners.
03:48I'm Vietnamese.
03:50I work in Vietnam.
03:52Can I buy a house in the US?
03:54The answer is yes.
03:56But what do you use to prove
03:58that the financial system in Vietnam
04:01can be proven by the US
04:03and can be used for money?
04:05The US has a rule for foreigners.
04:10It's clear that they are Vietnamese.
04:13When you buy a house in the US
04:15and you have to pay to buy a house,
04:18they allow you to use income statements
04:23and credit statements in Vietnam.
04:27You are allowed to use income statements
04:29from Vietnam as long as it's in English.
04:32Banks in the US will also accept it.
04:35Does that mean you have to pay in cash?
04:38No, it's a normal 30-year loan.
04:41It's not a long-term loan.
04:43It's a loan to buy a house.
04:45It's not a long-term loan to start a business.
04:49I was really surprised
04:52when I first heard this story.
04:54I think this topic
04:56needs to be made clear to everyone.
04:58I was really surprised.
05:00A person from Vietnam
05:02can buy a house in the US
05:04and they can buy a house
05:06with Vietnamese money.
05:08How do they transfer the money
05:10from Vietnam to the US?
05:12Is there a way to make it easier?
05:15How do they transfer it?
05:17Banks in the US don't know.
05:20Banks in the US only have a request.
05:23First of all,
05:25the corresponding amount
05:27of the customer who pays to buy a house
05:29has to be deposited in a bank in the US.
05:32If it's not deposited in a bank in the US,
05:35it has to be transferred from a bank
05:38in Vietnam or Singapore.
05:41As long as the bank is on the US government's
05:44approved list,
05:46and most of the big banks in Vietnam
05:49are on that list,
05:51the US just doesn't accept cash.
05:54First of all,
05:56those who want to invest in capital,
05:58they already have a program in the US.
06:00They put 40% of the corresponding capital
06:03in that program.
06:05Or if the Vietnamese government allows it,
06:08they can transfer it directly from Vietnam
06:11or anywhere.
06:13As long as it's a transfer,
06:15not cash.
06:17The US prohibits cash transactions.
06:20Now I realize that in the US,
06:22it's also very easy for us
06:24to buy assets.
06:26Let me ask you this.
06:28It's a bit off topic.
06:30If you buy an asset
06:32in the US,
06:34the Vietnamese who come here
06:36only because they haven't been
06:38settled in the US,
06:40is there ever a procedure
06:42for them to be approved
06:44to have an asset in the US?
06:46No, Thuy Nga.
06:48Settling in the US is about investment.
06:51For the US government,
06:53buying a house in the US
06:55is not an investment.
06:57For the US government,
06:59if you buy a house in the US,
07:01you can buy it for $10 million.
07:03But if you don't have a worker
07:05or a job in the US,
07:07then it's not an investment.
07:09The US government only allows
07:11people to come to the US
07:13for investment.
07:15So have you helped
07:17Vietnamese people buy houses
07:19in the US before?
07:21A lot.
07:23But most of the Vietnamese
07:25who buy houses in the US
07:27have children who study abroad.
07:29First of all,
07:31if your children study abroad,
07:33they have to move
07:35from one house to another.
07:37They have to go far away
07:39from school.
07:41So parents think
07:43they can buy a house
07:45for their children
07:47to live in.
07:49Sometimes,
07:51their children
07:53can rent one or two rooms
07:55and ask their parents
07:57to keep the money
07:59for themselves.
08:01That's great.
08:03Most of the people
08:05who take their children abroad
08:07are from wealthy families.
08:09If your children study abroad,
08:11they can buy a house for you.
08:13So if someone
08:15is wealthy,
08:17they can borrow money
08:19to buy a house,
08:21or they can buy a house
08:23and pay with cash.
08:25So what is a loan?
08:27A lot of Chinese companies
08:29say it's a loan.
08:31But actually,
08:33foreign customers,
08:35Chinese or Vietnamese,
08:37see this loan as an insurance.
08:39When they buy a house in the US
08:41and get a loan,
08:43their interest is only 40%.
08:45The bank gives 60%.
08:47When the bank gives 60%,
08:49the bank has to do
08:51to make sure
08:53everything is right
08:55to protect the bank's money.
08:57When the bank protects
08:59the bank's money,
09:01the bank protects the customer's money.
09:03A lot of customers ask
09:05if they buy at the right price
09:07or if they buy at a higher price.
09:09The bank always does a price assessment
09:11to make sure that
09:13they give 60%
09:15on the real value
09:17of the market.
09:19The second question
09:21that Vietnamese customers ask
09:23is how does the legal system work?
09:25The bank controls
09:27everything about the legal system.
09:29Because the legal system
09:31has to be right.
09:33If something goes wrong,
09:35the bank has to deal with the debt.
09:37If something goes wrong,
09:39the bank can't deal with the debt.
09:41So the value of real estate,
09:43the legal system,
09:45the bank controls it very carefully
09:47to protect the customer's money.
09:49That's why a lot of Vietnamese customers
09:51are very capable
09:53of paying the debt.
09:55But the profit
09:57of a foreigner
09:59who comes here
10:01to buy a house,
10:03is it higher than
10:05the profit of Americans?
10:07Foreigners' profit
10:09is usually higher than
10:112%.
10:13For example,
10:15the lowest profit
10:17is 6.75%.
10:19If a foreigner
10:21comes here
10:23to buy a house,
10:25the profit is 8.5%
10:27to 8.75%.
10:29It's fixed for 30 years.
10:31But I see that
10:33recently,
10:35Americans let foreigners
10:37buy houses, right?
10:39No.
10:41Americans always let foreigners
10:43buy houses,
10:45not recently.
10:47It's just that we don't know.
10:49Sometimes we don't know,
10:51but we think that the US
10:53is like the Vietnamese law.
10:55If Vietnam doesn't let foreigners
10:57buy houses,
10:59the US probably won't let them either.
11:01If Vietnam doesn't let foreigners
11:03buy houses,
11:05the US probably won't let them either.
11:07But in fact,
11:09the US is very generous.
11:11If a foreigner comes here to buy a house,
11:13the house is registered.
11:15It's normal.
11:17I see that there are rules.
11:19Yes.
11:21It's registered,
11:23but it doesn't depend on anyone.
11:25In the past,
11:27we didn't know the rules.
11:29But if we knew the rules,
11:31we could still borrow money.
11:33The basic condition
11:35for borrowing money
11:37is 40%.
11:39In the US,
11:41if a foreigner has a nationality
11:43and a decent job,
11:45the interest rate is only 3%.
11:47There are questions
11:49from Vietnamese customers.
11:51If I don't have anything,
11:53how can the government
11:55give me a loan?
11:57The government only takes 60%.
11:59Let me ask you.
12:01In the US,
12:03many people have the condition
12:05to buy a house,
12:07but the next house
12:09they buy,
12:11the interest rate will be higher.
12:13That's right.
12:15The house we buy
12:17has the lowest interest rate.
12:19The next house we buy
12:21has a higher interest rate.
12:23That's right.
12:25Why?
12:27Because they leave the house
12:29and keep it.
12:31So the house we buy
12:33has less risk.
12:35That's right.
12:37But let's say
12:39we buy a house
12:41and the interest rate is low,
12:43but the next house
12:45we buy
12:47has a higher interest rate.
12:49Why is that?
12:51The second, third, fourth,
12:53and tenth houses are the same.
12:55The business is the same.
12:57There is no difference
12:59between the third and fourth houses.
13:01When it comes to business,
13:03the interest rate is the same.
13:05When it comes to selling,
13:07the law says
13:09you have to pay the rent.
13:11The law in the US says
13:13if you live in a house for at least 2 years,
13:15you don't have to pay the rent
13:17when you sell it.
13:19All the businesses
13:21that you sell
13:23have to pay the rent.
13:25Even if you keep it for 10, 20 years,
13:27you still have to pay the rent.
13:2920-25% of the profit
13:31is not from the price of the house.
13:33So when you buy a house
13:35and sell it,
13:37you have to pay the rent?
13:39Yes, you have to pay the rent.
13:41If you live in another house,
13:43you don't have to pay the rent.
13:45The government will pay you
13:47the rent for 45 days
13:49and you have to pay the rent.
13:51If you live in a business,
13:53you have to pay the rent.
13:55I have one more question.
13:57For those who have income,
13:59it's easier to buy a house
14:01in the US.
14:03I also know that
14:05it's easier for people
14:07who have a doctor or a lawyer
14:09to buy a house
14:11than normal people.
14:13I remember...
14:15It depends.
14:17Sometimes doctors
14:19make a lot of money
14:21but they still have a lot of debt.
14:23If they have a lot of debt,
14:25they can't pay the rent
14:27because they don't have enough money.
14:29But I heard that
14:31people who have equal status
14:33in the US
14:35don't have to pay the rent
14:37when they buy a house.
14:39It's the same now.
14:41Banks have programs
14:43for doctors that don't have to pay the rent.
14:45But they still have to have enough income.
14:47If they don't have enough income,
14:49they don't have to pay the rent.
14:51Banks will check the documents
14:53not on the job,
14:55but on the credit score.
14:57In order to check
14:59the documents,
15:01there's no standard
15:03on what the job is.
15:05The first standard
15:07is the credit score.
15:09There has to be a minimum.
15:11The second standard
15:13is your income.
15:15Do you have enough income
15:17to pay the rent
15:19and all your debts?
15:21Not just the rent,
15:23but all your debts.
15:25So they don't have to pay
15:27a lot of debt.
15:29That's right.
15:31If they have a lot of debt
15:33and they're doctors,
15:35they don't have to pay a lot of debt.
15:37Thank you very much.
15:39I have another question.
15:41For those who
15:43don't have enough income
15:45in the US,
15:47they don't have the money
15:49to buy a house.
15:51Some people say
15:53they can prove how much
15:55they have in the US.
15:57Some people say
15:59they can't,
16:01especially Vietnamese people
16:03who have cash
16:05but can't prove
16:07how much they have
16:09in the US.
16:11I don't know how
16:13to buy a house.
16:15I'm ready to hear
16:17your answer.
16:19I know that
16:21Vietnamese people
16:23are the ones
16:25who do everything in the US.
16:27The law of the US government
16:29is that
16:31when you buy a house,
16:33you have to prove
16:35that you have income.
16:37What do you usually prove?
16:39Two years of personal income
16:41or a salary.
16:43But
16:45companies do a lot of things
16:47in the US.
16:49For example,
16:51they say
16:53they have a lot of income
16:55but they don't have much
16:57in their tax records
16:59because they have
17:01a slogan.
17:03After the slogan,
17:05what do they do
17:07with the rest of their income?
17:09There's a rule
17:11that you don't have to
17:13prove your income
17:15in the US.
17:17You can prove
17:19your income in other ways.
17:21The owners of nail salons
17:23prove it by giving
17:25their bank statements
17:27for 12 months.
17:29Their bank statements
17:31for 12 months.
17:33They say
17:35their salons are expensive
17:37and they spend $30,000 to $40,000 a month.
17:39Even though they have
17:41very little tax,
17:43their income
17:45is $30,000 to $40,000
17:47a month.
17:49The bank accepts
17:51and agrees
17:53that they don't have to pay
17:55taxes anymore.
17:57They will use
17:59the deposit
18:01to get 75%.
18:0375% of the total
18:05deposit in 12 months
18:07is their income
18:09and
18:11their income
18:13is their income
18:15and their income
18:17is their income
18:19and their income
18:21is their income
18:23and their income
18:25is their income
18:27and their income
18:29is their income
18:31and their income
18:33is their income
18:35and their income
18:37is their income
18:39As you have seen,
18:41people can understand
18:43how to buy a house in the U.S.
18:45It's easy to buy a house
18:47in the U.S.
18:49It's not hard.
18:51It's important that you choose
18:53the right house,
18:55it's not like a fate.
18:57Sometimes a house you want
18:59can't be bought.
19:01Here in the U.S.,
19:03there are houses
19:05that we like
19:07If you like it, you can offer it to other people and they will give you a higher price.
19:11It's like a competition.
19:13The higher the price, the more you can get that house.
19:17Those were the times when houses were popular.
19:19And now, there are still a lot of offers for houses that are popular.
19:22And for normal houses, there are only a few offers.
19:25That's right.
19:27Thank you very much.
19:29Today, you shared with the audience of Thuy Nga Channel
19:33and friends from Vietnam
19:35how to buy a house in Vietnam.
19:40It's very simple.
19:42I would like to ask you one last question.
19:44How do foreigners buy houses?
19:48How do people with income buy houses?
19:50And how do people who don't have income buy houses?
19:56My last question is also very important.
19:59Can a person who doesn't have money buy a house?
20:03If you don't have money, you can buy a house.
20:07But instead of paying $1, the owner will sell it for $2.
20:10And if you don't pay me, I'll take the house back.
20:14This show is a bit serious.
20:20Nga is a comedian.
20:22So I would like to ask people who don't have money how to buy a house.
20:25Nga will answer.
20:26It's very easy.
20:27If you have $1,000 or $2,000, you can go to Home Depot or Costco
20:32and buy a house.
20:34Go home, step out of the bed and look for a piece of land.
20:38But you don't have to throw the land in the house, right?
20:41No, you have to ask for permission.
20:43It's not that simple.
20:45Nga said this is a good way to buy a house.
20:51But the land is not easy.
20:53If you want to throw the house, where do you throw it?
20:55In the US, there is a house called a mobile house.
20:59When people get old, they like to buy a car and drive around the US.
21:10Nga has a dream of driving around in a car like that.
21:16That's why it's called a mobile car.
21:19A mobile house.
21:21You can throw it anywhere.
21:23There are many places where you can spend money.
21:25There is a mobile house.
21:27You mean a mobile home?
21:29Yes, a mobile house.
21:31How do you pay for a house in the US?
21:36And how do you rent the land?
21:38I haven't been to the US for a long time, so I don't understand.
21:40A mobile house is a house because you live in it.
21:44But legally, it's not a house.
21:47It's a car.
21:49So with a house, you register with the government.
21:54And with a mobile house, you register with the government.
21:58Because it's a car, not a house.
22:00That's a lot of money.
22:02A mobile home in the US is a car.
22:06So the ownership of the car is declared to the government.
22:11Oh, that's a lot of money.
22:14It's the same as a car.
22:16A mobile house is getting cheaper day by day.
22:19The more you buy a house, the more expensive it gets.
22:23But on the contrary, a mobile home is a car.
22:27The older the car, the cheaper it gets.
22:29But sometimes, it goes up.
22:31Sometimes, it goes down.
22:33But a mobile home is a car.
22:38It's not a house.
22:40The legal document is with the Department of Motor Vehicles.
22:45But they also pay for a part of the house.
22:49There are also tenants.
22:51Oh, there are also tenants.
22:53Yes, there are.
22:54And they pay for the land separately.
22:56That's right.
22:58Even though a mobile home is a car,
23:00it's the same as buying a car.
23:02The legal document says it's not a house.
23:04No, it's not a house.
23:06So the registration is with the Department of Motor Vehicles.
23:13Because it's a car.
23:16Thank you, Eric, for sharing with us today.
23:19I hope you understand the issue.
23:21At first, I was under a lot of pressure.
23:23I don't know if I was able to share the message with everyone.
23:29Or if you were able to talk to everyone.
23:31I don't know if they were nervous or not.
23:33But the issues were very simple.
23:36Thank you so much for coming to Eric's office today.
23:41What's your name, where do you work, and what's your phone number?
23:46My company's name is CMP Mortgage.
23:48It's in Huntington Beach, California.
23:51As Thuy Nga said, she didn't know.
23:54I asked her, and I was very nervous.
23:56I said this was a tough issue.
23:58Thuy Nga is in the US.
24:00And she has such an impression.
24:02Especially people in Vietnam,
24:04or people who own nail salons in other states.
24:07So you should contact Thuy Nga or me.
24:11They will tell you everything in detail.
24:15Because this is a very specific issue.
24:17So we should discuss more.
24:19Buying a house, as Thuy Nga said, is a fate.
24:22But to do it, you need knowledge and information.
24:26So the more information you have, the better.
24:31And the rules about money in the US are very clear.
24:35You just don't have information.
24:37But once you have information, you feel very comfortable.
24:39There's no problem.
24:41Once again, thank you, Thuy Nga,
24:43for taking the time to be here today.
24:45And thank you, and hello, everyone.
24:48Please read the phone number.
24:50People in the US will call you.
24:52My phone number is 714-300-8223.
24:58Once again.
24:59Eric is the one who took care of Thuy Nga's house.
25:03At first, when I worked with him,
25:05I didn't understand anything.
25:07I called him all the time.
25:11He explained it to me, and I understood it.
25:14So I asked him to participate in this video
25:19so that he could explain it to us better.
25:26And if you can't contact Eric,
25:28because he often travels from one country to another,
25:31because there are many foreign customers
25:33who want to buy a house,
25:34he has to fly to that country.
25:36If you can't contact him,
25:38you can message him at 279-279-8989.
25:45Maybe he will contact you
25:48and tell you how to contact him.
25:51Thank you, Eric,
25:52and thank you all for watching this video
25:55so that you can understand
25:57how to buy a house in the US.
25:59Thank you, Thuy Nga.
26:00Hello, everyone.
26:01Hello, Thuy Nga and Eric.
26:03See you again.
26:06See you again.
26:07Bye-bye.
26:36See you again.
26:37Bye-bye.