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美国房产小讲堂 · 海外买家
人在国内，没有美国身份，想在美国买房，第一步卡在哪里？很多人以为要先来美国开户、要有美国收入和报税记录，其实未必。
核心要点
- 部分美国银行支持海外客户通过手机 App 远程开立美国银行账户。
- 外籍人士贷款（Foreign National Loan）面向没有美国身份、不在美国工作生活的买家。
- 这类贷款通常看重借款人的全球资产，而不是美国报税记录。
- 首付比例通常较高，发布时约为 40%；贷款上限会随银行政策调整。
- 具体资格、利率和额度以银行最新规定为准，跨境资金和税务问题请咨询专业人士。
1远程开立美国银行账户
对海外买家来说，有一个美国银行账户会让购房付款、日后收租和支付各项费用方便很多。发布时，已有部分在美国上市的正规银行支持海外客户通过手机 App 远程开户，不需要亲自来美国，也不需要美国身份。
如果某家银行的远程开户不适合，也还有其他途径。具体开户要求以各银行最新规定为准。
2外籍人士贷款（Foreign National Loan）
没有美国身份、不在美国工作和生活，也可以在美国贷款买房。这类贷款的特点包括：
- 看重资产：借款人在全球任何地方的资产，例如房产、理财产品、存款，都可以作为资质证明。
- 不要求美国报税记录：只要资产和资金方面符合条件即可申请。
- 首付较高：发布时约为 40%。
- 额度会调整：贷款上限会随银行政策变化，部分情况可以个案商量。
这类贷款常用于购买投资房，整个流程可以在海外远程完成。
资产在哪里都可以为你背书。
3申请前的提醒
外籍人士贷款的利率通常高于普通贷款，审核材料也更多。资金出境、资产证明和美国税务申报都涉及专门的法规，建议提前咨询贷款专员、会计师和律师，了解完整的成本和要求。
常见问题
Q：没有美国身份可以在美国贷款买房吗？
可以申请外籍人士贷款，通常看重全球资产，首付比例较高，具体条件以银行最新规定为准。
Q：外籍人士贷款首付要多少？
通常比普通贷款高；视频发布时约为 40%，以银行最新规定为准。
Q：人不在美国能开美国银行账户吗？
部分银行支持海外客户远程开户，具体要求请向银行确认。
关于作者
Fei Li 李斐，FEI LI ESTATES 创始人，加州持牌房地产经纪人（DRE #02075610）。团队立足南加州橙县（Orange County），服务尔湾（Irvine）、新港滩（Newport Beach）、达纳角（Dana Point）、圣胡安卡皮斯特拉诺（San Juan Capistrano）及周边地区，自 2016 年起持续制作中英双语房产视频。
电话：(949) 353-9999 · 微信：feiliestates
本文仅供一般信息参考，不构成法律、税务、贷款或投资建议。市场数据与政策以发布时为准，可能已有变化；具体情况请咨询持牌专业人士并自行核实。
Can You Open a US Bank Account and Get a Mortgage Without Being in the US?
Please note: This video was published on November 11, 2022. It is more than a year old. Market data, prices, rates, and policies reflect that date and may have changed. Contact us for the latest information.
US Real Estate 101 · Overseas Buyers
For buyers overseas without US status, where does a US home purchase get stuck? Many assume they must fly in to open an account and have US income and tax returns — not necessarily.
Key Takeaways
- Some US banks let overseas clients open US accounts remotely through a mobile app.
- Foreign national loans serve buyers without US status who do not live or work in the US.
- These loans usually focus on the borrower's worldwide assets rather than US tax returns.
- Down payments are typically higher — about 40% at the time of the video — and loan limits change with bank policy.
- Eligibility, rates, and limits follow each bank's current terms; consult professionals on cross-border funds and taxes.
1Opening a US Bank Account Remotely
For overseas buyers, a US bank account makes paying for a purchase, collecting rent, and paying ongoing costs much easier. At the time of the video, some established, publicly listed US banks allowed overseas clients to open accounts remotely via a mobile app, without traveling to the US or holding US status.
If one bank's remote option does not work, there are other routes. Check each bank's current requirements.
2Foreign National Loans
Buyers without US status who do not live or work in the US can still get a mortgage. Key features include:
- Asset-based: assets anywhere in the world, such as property, investments, or deposits, can support qualification.
- No US tax returns required: qualification rests on assets and funds.
- Higher down payment: about 40% at the time of the video.
- Changing limits: maximum loan amounts shift with bank policy and may be negotiable case by case.
These loans are often used for investment properties, and the process can be completed remotely from overseas.
Your assets can back you wherever they are.
3Before You Apply
Foreign national loans usually carry higher rates than standard loans and require more documentation. Moving funds abroad, proving assets, and US tax reporting involve specific rules, so consult a loan officer, CPA, and attorney early to understand the full costs and requirements.
FAQ
Q：Can I get a US mortgage without US status?
You can apply for a foreign national loan, which typically focuses on worldwide assets and requires a larger down payment; terms follow each bank's current rules.
Q：How much down payment does a foreign national loan need?
Usually more than a standard loan — about 40% when the video was published; check current bank terms.
Q：Can I open a US bank account from overseas?
Some banks allow remote account opening for overseas clients; confirm requirements with the bank.
About the Author
Fei Li is the founder of FEI LI ESTATES and a California licensed real estate agent (DRE #02075610). Based in Orange County, Southern California, the team serves Irvine, Newport Beach, Dana Point, San Juan Capistrano, and surrounding areas. Fei has produced bilingual English/Chinese real estate videos since 2016.
Phone: (949) 353-9999 · WeChat: feiliestates
This article is for general information only and is not legal, tax, lending, or investment advice. Market data and policies reflect the time of publication and may have changed; please consult licensed professionals and verify independently.