美国加州买房贷款利率？

美国贷款需要满足哪些条件

申请美国贷款买房的人士不少，那么在美国贷款买房的条件有哪些呢?这是很多出国人士比较感兴趣的问题，和出国移民网一起来看看吧!下面是我整理的相关资讯，欢迎阅读。

在美国贷款需要满足哪些条件?

1、首付比例30%～40%，这是一个先决条件;

2、要给银行提供以下3类文件：

1)收入证明，是指贷款申请人每年的稳定收入证明。例如，一位作家每年的版税收入为10万人民币，除此之外，她还有一些兼职讲课的收入，那么版税收入为稳定收入，兼职的收入不属于此类;如果是自雇人士，即自己开公司的人士，就需要会计师事务所提供一份收入证明。银行判断还款能力是根据收入证明的40%左右来计算。

2)贷款申请人的主要账户银行流水，往往需要24-36个月的主要银行账户流水，这份材料也是用于佐证第一类文件中的收入能力，即还款能力的;

3)贷款申请人名下的资产证明，如房产、车辆、股票、债券等等，提供证明就即可。

一般来说在美国买房申请贷款，只需要提供以上的3类文件就可以了，当然，银行会列出所需的具体材料清单。

哪些银行能够提供住宅类贷款?

截止2016年9月，可以为海外投资人提供购房贷款的银行就只有华美银行、中国信托、国泰银行及花旗银行了。值得提醒投资人的是，花旗银行必须要贷款人亲自去美国当地办理，国内不提供此项服务。此外，在做购房贷款时还有一个先决条件，就是要求首付款项需要在银行账户(以上贷款银行的账户)里存入至少2个账期，一般不要少于60天，这是美国政府出于防范xq 的考虑。如果款项没有存够两个账期，是需要追查资金来源的，而存够2个账期就不再追溯。目前除了国泰以外，大部分银行都会有此要求。

目前最优化的贷款方案是什么?

贷款首付比例是否可以优惠、贷款利率能否更低、哪些银行提供的贷款手续最方便都是在申请贷款时的诉求。在汇丰停止办理贷款之后，目前华美银行是最有优势的。在华美银行申请贷款，只需首付比例达到40%，并且申请人拥有60个月还本付息的资金证明，就可以办理贷款，不需要满足上文提到的三类材料。

为何会如此呢?这是由于美国绝大多数银行会将贷款打包成金融产品，出售给保险公司或其他投资公司，那么自然，这个贷款产品就要满足接手公司的严格要求。因此，即使银行已提出高首付比例要求，公司仍然会要求投资人提供足够多的材料进行审核。但是华美银行目前并没有打包出售这些贷款，只是将这些贷款记在自己银行的资产负债表上，因此就没有那么多的要求，相对便利很多。

目前，华美银行覆盖的业务范围包括西雅图所在的华盛顿州、加州全境、纽约州、波士顿所在的麻生，以及德克萨斯州，这基本覆盖了中国投资人绝大部分的投资热点区域。

相比于其他大类资产投资，美国房产投资收益更高，同时也更加稳健，不必担心每日涨跌。由于QE影响和负利率，全球股市、债市的估值都处在极高水平，美国房产投资价值尤为凸显。

求次贷危机相关的英文文献

给你一个次贷危机的论文和权威翻译，值得学习。

次贷危机，人人有责

记载次级抵押贷款的爆发始末有点像阅读《东方快车谋杀案》(Murder on the Orient Express)。小说中的每个人都被揭露参与了谋杀案，美国次贷危机的故事亦是如此，几乎所有的权力中心都被牵连其中，包括布什政府、美联储(Fed)和民主党。

以Ameriquest Mortgage Co.的创始人兼首席执行官罗兰•阿尔诺(Roland Arnal)为例。他的这家总部位于加州的公司2005年至2007年间通过经营次级抵押贷款业务盈利逾800亿美元。这家公司还把自己形容为“美国梦的赞助人”。

Ameriquest因违规贷款操作曾多次受到监管机构和法院的查处。最近一次是在2006年，因被证明曾误导借款人，伪造文件，以及向评估人施压，迫使其虚报房屋价值，它同意支付3.25亿美元的罚金。

这家此后一直处于停业状态的公司曾向乔治•W•布什(George W. Bush)捐出26.3万美元的竞选献金。阿尔诺本人则成为布什政府驻荷兰大使——他已于去年去世。为了保持平衡，他的公司向民主党捐款157万美元。

位于华盛顿的媒体监督机构公职人员廉政中心(CPI)表示，在次贷达到顶峰的2005年至2007年间，排名前25位的次贷发放机构向逾500万借款者提供了总额高达1万亿美元的贷款，其中许多借款者的房屋未如期付款已经被收回。

这些贷款——其中许多被认为是掠夺性的——点燃了全球金融体系崩溃的导火索。美联储曾多次以其职责仅限于直接监管银行为由，拒绝加强对这些非银行公司的监管，并告诉国会，提供此类监管的成本过于昂贵。

去年10月，美联储前主席艾伦•格林斯潘(Alan Greenspan)向一个国会委员会表示：“我们中间那些指望贷款机构的自身利益能保护股东权益的人，特别是我自己，正处于一种不敢置信的状态。”但对监管的抵制比格林斯潘意识形态上的反对更深。

去年9月开始的CPI调查显示，上世纪90年代中期至末期，多数次贷发放机构花费了数百万美元游说华府，主要目的是防止将加大次贷监管力度的新立法出台。

独立监督机构政治责任中心(Center for Responsive Politics)表示，过去10年，金融业游说华府的支出共计35亿美元，竞选献金共计22亿美元。

CPI调查显示，排名前25家次贷发放机构中，至少有21家——它们大多已经倒闭——为问题资产救济资金(TARF)的最主要获得者所有，或受其巨额资金支持，包括花旗(Citibank)、美国银行(Bank of America)、富国银行(Wells Fargo)和摩根大通(JPMorgan)，它们同时也是华盛顿最大的政治捐赠者。

“美国和欧洲的最大型银行使次贷泡沫成为可能，它们在前端为其融资，以便通过证券化和销售抵押贷款支持证券在后端收获巨额回报，”调查领导人比尔•布森伯格(Bill Buzenberg)表示。“华盛顿在过去10年中多次得到警告称，此类高成本贷款对经济构成了系统性风险。很难相信这些大银行对当时发生的问题或可能造成的最终后果一无所知。”

其它次贷主要发放机构还包括New Century Financial Corp。在2007年其破产程序进行中，调查人员指称该公司采取了“激进的行为方式，使风险等级上升到危险水平，并最终达到致命水平”。该公司最大的资金支持者是得到100亿美元Tarp纾困基金的高盛(Goldman Sachs)。

富国银行旗下的富国金融公司(Wells Fargo Financial)是少数几家仍在营业的次贷发放机构之一。在2005年至2007年间，该公司通过次贷业务收益510亿美元，同时在选举献金和游说方面花费了近1800万美元——在这里民主党与共和党再次得到了平等待遇。巴拉克•奥巴马(Barack Obama)是受该公司捐赠最多的个人，得到选举费用20.1万美元。

据CPI称，所有帮助促使次贷危机爆发的法规条文仍然保留在美国法律之中。自上世纪90年代末期开始，有多次通过立法来加强行业监管的努力。但每次都遭遇失败。

这份报告突出强调了由民主党议员巴尼•弗兰克(Barney Frank)提起的一份新法案，该法案将制定“代理人责任条款”，使得那些将次贷证券化的机构也必须对原始次级贷款中的违规行为承担责任。CPI表示，如果这样的条款早点写入法律，或许次贷危机就根本不会发生了。

SUBPRIME EXPLOSION: WHO ISN'T GUILTY?

Chronicling the explosion of subprime mortgages is a bit like reading Murder on the Orient Express. As in the novel, in which everyone is revealed to have had a hand in the murder, America’s subprime story implicates almost every power centre – including the Bush administration, the Federal Reserve and the Democratic party.

Take Roland Arnall, founder and chief executive of Ameriquest Mortgage Co, the California-based company that made more than $80bn in subprime mortgages between 2005 and 2007 and whose company described itself as a “sponsor of the American dream”. meriquest was repeatedly held up by regulators and courts for abusive lending practices, most recently in 2006 when it agreed to pay a $325m fine after it was shown it had misled borrowers, falsified documents and pressured appraisers to inflate home values.

The company, which has since closed, gave $263,000 to George W. Bush in campaign contributions. Mr Arnall, who died last year, went on to become Mr Bush’s ambassador to the Netherlands. To keep things even-handed, his company donated $1.57m to the Democratic party.

Between 2005 and 2007, which was the peak of sub-prime lending, the top 25 subprime originators made almost $1,000bn in loans to more than 5m borrowers, many of whom have had their homes rep.o.s sessed, says the Center for Public Integrity, a Washington-based journalistic watchdog.

Those loans, many of them considered predatory, lit the fuse that led to the global financial meltdown. The Fed, which repeatedly refused to tighten regulation of these non-bank companies, since it is charged only with direct regulation of banks, told Congress it would be too expensive to provide oversight.

Last October, Alan Greenspan, former Fed chairman, told a congressional committee: “Those of us who have looked to the self-interest of lending institutions to protect shareholder’s equity, myself especially, are in a state of shocked disbelief.” But resistance to regulation went deeper than Mr Greenspan’s ideological objections.

The CPI investigation, which began in September, shows most originators spent millions of dollars lobbying Washington from the mid to late-1990s, much of it to prevent new legislation that would tighten restrictions on subprime lending.

The financial sector has spent $3.5bn in the past decade lobbying in Washington and made $2.2bn in campaign donations, says the Center for Responsive Politics, an independent watchdog.

The CPI investigation shows that at least 21 of the 25 top subprime originators, most of which are now bankrupt, were either owned or heavily financed by the biggest recipients of Troubled Asset Relief Funds, including Citibank, Bank of America, Wells Fargo and JPMorgan – also the largest political donors in Washington.

“The largest American and European banks made the bubble in subprime lending p.o.s sible by financing it on the front end, so they could reap the huge rewards from securitising and selling mortgage-backed securities on the back end,” says Bill Buzenberg, who led the investigation. “Washington was warned repeatedly over the last decade that these high-cost loans represented a systemic risk to the economy. It is hard to believe the major banks were unaware of what was going on, or what the consequences might ultimately be.”

Among the other top originators were New Century Financial Corp, which was alleged by investigators in its 2007 bankruptcy proceedings to have made “aggressive manner that elevated the risks to dangerous and ultimately fatal levels”. Its largest financial backer was Goldman Sachs, which has received $10bn in Tarp bailout funds.

One of the few to remain in business is Wells Fargo Financial, which is owned by the bank, which made $51bn in subprime loans between 2005 and 2007 and which spent almost $18m on election donations and lobbying – again almost equally between Democrats and Republicans. Barack Obama was its largest individual recipient with $201,000 in election expenses.

According to the CPI, all the laws that helped fuel the subprime crisis remain on the books. Since the late 1990s there have been repeated attempts to tighten up regulation through legislation. But each time it was shot down.

The report highlights a new bill, sponsored by Barney Frank, a Democratic congressman, which would create “assignee liability provisions” that would make mortgage securitisers res-ponsible for abuses in the original mortgages. If such a law had been on the books earlier, says CPI, the subprime crisis might never have happened.

美国加州贷款100万15年每月付多少钱

3890元。人行公布的5年期以上的贷款利率是4.65%，可按下面方式还款，等额本息还款0.3875，967781.25，248.75每月还款额=〔贷款本金×月利率×（1＋月利率）×还款月数〕÷〔（1＋月利率）×还款月数－1〕=3890元。

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