Monday, December 09, 2019



FacebookMySpaceTwitterDiggDeliciousStumbleuponGoogle BookmarksRedditNewsvineTechnoratiLinkedinMixxRSS FeedPinterest

Weibo News


蔡以祥的BLOG (91)

蔡以祥的BLOG- 关于夏威夷房地产买屋卖屋心得, 美国购屋卖屋,Hawaii买房协助

夏威夷房地产网- 最全面的中文协助



介绍给您我们 KW 其他州分部的好房产代表

许多中国投资人询问过 是否在夏威夷买房可以贷款




1.  贷款需要以个人名义贷款不可公司名义, 房屋的拥有者需要是个人而非公司

2.  购买的房子要经过银行同意

3.  购买者需要提出以下证明

a.  30天内 薪资证明

b.  2年内报税的薪资证明

c.  如果是自己请自己,请证明您有 25% 的 公司股份

d.  银行存款 近2个月

e.  如果近6个月有房屋买卖- 请提出卖房证明

f.   需要有3个银行信贷证明 (2年)

g.  需要一个美国本地房地产经纪人或律师 当美国代表联系人

  • Translated banks statements   翻译过的银行存款证明
  • Translated tax returns  翻译过的报税记录
  • Income and operational answers referencing the family-run business  如果是自己公司需提出收入证明
  • Copies of other outstanding debt  如果有其他借贷需提供副本资料
  • Copies of their passports  护照影印本
  • Copies their visitor’s visa.  个人签证副本

首付(头期款)需要30-50%  (60万以下的贷款)如果需要百万以上 看情况而定 500万的房子就需要60%的首付(头期款)


以上证明需要 有美国专业翻译进行翻译



以上資料由 夏威夷银行 Bank of Hawaii 提供  

如果需要更进一步的协助, 我们会请他们的专业人员协助您





1.  交房 可以 不需要 45天

2.  增加竞争力 , 与贷款买房人比起  现金买房 卖家更愿意卖您

3.  不需付贷款公司费用 或是 利息

4.  不需要那么多证明



Friday, 18 October 2013 02:45


Written by

Saturday, 28 September 2013 09:49

Understand MCC Program

Written by

What is a Mortgage Credit Certificate?

The Mortgage Credit Certificate Program was authorized by Congress in the 1984 Tax Reform 
Act as a means of providing housing assistance to families of low and moderate income. The 
Hawaii Housing Finance and Development Corporation (HHFDC) is an Issuer of Mortgage 
Credit Certificates.
  •        The Mortgage Credit Certificate (MCC) reduces the amount of federal income tax you pay, 
thus giving you more available income to qualify for a mortgage loan and assist you with 
house payments.
  •      The MCC is available to homebuyers who meet household income and home purchase price 
limits established for the MCC Program, as well as other federal eligibility regulations.

How will a Mortgage Credit Certificate assist my home purchase?

The federal government allows each homeowner to claim an itemized federal income tax 
deduction for the amount of interest paid each year on a mortgage loan. 

For a homeowner with a MCC, this benefit is even better: 

• 20% of your annual mortgage interest will be a direct federal tax credit, resulting in a 
dollar-for-dollar reduction of your annual federal income tax liability. 
• The remaining 80% of your annual mortgage interest will continue to qualify as an 
itemized tax deduction.
The amount of your mortgage credit depends on the amount of interest you pay on your 
mortgage loan. However, the amount of your mortgage credit cannot exceed the amount of 
your annual federal income tax liability. Unused mortgage credit can be carried forward for
three years to offset future income tax liability.
(information from HHFDC)
Thursday, 19 September 2013 00:51

News Update On The Fed's Easy Money Course

Written by

The News On The Fed's Decision On Bond Purchase Tapering Follow Up


     Federal Reserve officials decided on Wednesday 9/18/13 that the stimulus plan will stay its course.  This is a good news for the home buyer since it will give a bit more time for the home buyer to get into the market before we see a jump in interest rate.  This decision also impacted many of the gold miner stocks since it also has effect on the gold price as well.



Tuesday, 17 September 2013 20:25

Bond Purchase Tapering, Mortgage Rate, and You

Written by

Bond Market Tapering And Real Estate

by I Hsiang Tsai


Remember when the Chariman Bernanke talked about adding stimulus at a slower pace, how it impacted the mortgage rate? Yes it did push up the cost of mortgages for millions of Americans. 


So some of you may think that it is just talking and that the interest rate goes up and down, but one thing you can’t deny is that the interest rate has been going up and not down back to 3.5%.  


The meeting held by the Fed policy makers will likely lower the monthly bond purchase by 10 billion instead of 20 billion as was expected prior.  So what does the tapering means for the home buyers and sellers??


4.57 percent was the average rate on a 30-year fixed-rate loan by Sep 12, 2013 and already we are seeing potential buyers are looking eagerly to find a suitable property before the rate goes up any higher.  Higher the mortgage rate means more people will have hard time qualify for the loan.  It also means the possibility of lowering consumer spending which will also affect the economy. 


We understand Hawaii’s property has never been too cheap to start with compared to many states.  Most of us look at it as a cost of living in a paradise.  We also watched the news talking about how the cost of home will continue to rise and the affordability window is closing on us.  But I think what it is trying to say is that it will be harder to get a loan as intereate rate rises even higher and that the possibility of the loan amount will be smaller.  If you have a lot of cash laying around then it may not be a problem for you, but for most of us it will be a problem.  


While Bernanke’s June 19 remarks that he may reduce securities buying this year and halt it by mid 2014, have you as a buyer or seller started to think about what is the best course for you?


As a seller, have you thought about how would mortgage rate increase impact you selling your home?  Some may think that this is a great market to sell your house when buyers are out there looking.  It is correct as long as there are qualified buyers out there.  But what if when those buyers no longer qualified to buy the property at or near your asking price due to rising interest rate?  It means although demand is there yet what good does it do if less people are able to buy even if they want to?  One can hope that investors with cash will just come and buy.  But overall, the rising of interest rate, less qualified buyers, and rising asking price by the sellers will also affect the sellers themselves in the end.  


We will keep an eye on how the tapering of bond purchase will be and how it affects the mortgage rate and overall housing market.  Please feel free to comment and discuss your views and opinions.  I also hope that when you or your friends have the need for real estate in Hawaii, you will consider having me and my team to help you.   Please feel free to email us at This email address is being protected from spambots. You need JavaScript enabled to view it." style="text-decoration:none;">This email address is being protected from spambots. You need JavaScript enabled to view it.  or This email address is being protected from spambots. You need JavaScript enabled to view it." style="text-decoration:none;">This email address is being protected from spambots. You need JavaScript enabled to view it. should you have any need for real estate service.

Saturday, 07 September 2013 08:34

过户税 Conveyance Tax

Written by

过户税 Conveyance Tax  (卖者负担)


New Rate Table

成交价格 投资住家
< $600,000 $1.50 per $1000 $1 per $1000
$600,000 to $999,999 $2.50 per $1000 $2 per $1000
$1,000,000 to $1,999,999 $4 per $1000 $3 per $1000
$2,000,000 to $3,999,999 $6 per $1000 $5 per $1000
$4,000,000 to $5,999,999 $8.50 per $1000 $7 per $1000
$6,000,000 to $9,999,999 $11.00 per $1000 $9 per $1000
> $10,000,000 $12.50 per $1000 $10 per $1000










如果还有更多相关问题, 我们建议您与 职业CPA 或 税务律师 询问。  如果有需要我们808商业联盟里面刚好有可靠的 CPA 可以为您服务。

Page 8 of 8


  • 买房程序简介
  • 夏威夷房地产微信CODE
  • 35年 夏威夷房地产走势
  • 夏威夷顾客推荐文
  • Ward Village Project Hawaii New


首先请您在    我要购房  (按此进入) 那边填写您的需求, 我们会按照您的需求给您分析以及建议。



如果是现金购买, 卖家会要求您提出资金证明 (银行类存款等等 用来证明有足够资金买房)此证明不需要马上就提出,当您的契约被卖家家接受后的3-5天内提出即可- 正确天数 依照合约)

如果是需要贷款, 卖家会要求看 贷款认证许可 (pre-approval letter)    如果您需要贷款又没有此许可证,就算看见喜欢的房产您也不一定可以买到,应为卖家会觉得您贷款上面会有问题。  


第一:  相约看房:  如果有适合的房子, 买房可以透过我们房地产经纪人与卖方的委托人进一步的交涉。通常我们会与买家拟定一个合适的价格 (OFFER) 然后 作出 书面的出价 (购屋合同)里面包含购买价格,付款方式,订金,交屋, 托管公司,房屋检查,等等。  买方需要写一个支票来支付订,支票抬头写托管公司然后给我们 (买方经纪人),或是如果没有美国银行账户外国买家也可提议在OFFER接受的3天内汇款订金。  如果卖方接受了我们的出价那么,这个支票(初期订金)就会被送去托管公司开户。  如果最后没有成交,大部分的情况下 托管公司会把支票退还。   {了解更多}   如果是汇款,托管公司也会退款给您。   

契约的拟定 (签名我们可以使用电子签名所以就算您不在夏威夷也可以签)

Read More


微信 QR CODE  (请在讯息内附    - 购屋夏威夷)


Wechat ID  :   tianruo1978

Read More