{"id":1730,"date":"2024-09-30T04:02:14","date_gmt":"2024-09-29T20:02:14","guid":{"rendered":"https:\/\/choozseo.com\/blog\/finance\/buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know\/"},"modified":"2024-09-30T04:02:14","modified_gmt":"2024-09-29T20:02:14","slug":"buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know","status":"publish","type":"post","link":"https:\/\/choozseo.com\/blog\/finance\/buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know\/","title":{"rendered":"\u5728\u7f8e\u570b\u8cb7\u623f\uff1a\u4f60\u5fc5\u9808\u77e5\u9053\u76847\u5927\u5fc3\u6cd5\u8207\u7d93\u9a57\u5206\u4eab"},"content":{"rendered":"<p>\u5728\u7576\u4eca\u5168\u7403\u5316\u7684\u6642\u4ee3\uff0c\u5f15\u9032\u4e0d\u540c\u884c\u696d\u7684\u8cc7\u672c\u8207\u6280\u8853\u5df2\u7d93\u6210\u70ba\u5e38\u614b\uff0c\u5c24\u5176\u662f\u5728\u7f8e\u570b\uff0c\u8a31\u591a\u5916\u570b\u4eba\u58eb\u90fd\u9078\u64c7\u5728\u6b64\u6295\u8cc7\u623f\u5730\u7522\u3002\u4f5c\u70ba\u4e00\u500b\u6d77\u5916\u6295\u8cc7\u8005\uff0c\u82e5\u8003\u616e\u5728\u7f8e\u570b\u8cb7\u623f\uff0c\u77ad\u89e3\u5e02\u5834\u7684\u7279\u6027\u8207\u904b\u4f5c\u539f\u5247\u662f\u4e0d\u53ef\u6216\u7f3a\u7684\u3002\u4ee5\u4e0b\u4fbf\u662f\u6211\u5728\u7f8e\u570b\u8cb7\u623f\u7684\u5be6\u969b\u5fc3\u5f97\uff0c\u4ee5\u53ca\u5c0d\u65bc\u201c\u7f8e\u570b\u8cb7\u623f\u51fa\u79df\u201d\u3001\u201c\u7f8e\u570b\u8cb7\u623f\u597d\u55ce\u201d\u3001\u201c\u7f8e\u570b\u8cb7\u623f\u6295\u8cc7\u201d\u8207\u201c\u5916\u570b\u4eba\u5728\u7f8e\u570b\u8cb7\u623f\u201d\u9019\u4e9b\u4e3b\u984c\u7684\u6df1\u5165\u5206\u6790\u3002<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" 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href=\"https:\/\/choozseo.com\/blog\/finance\/buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know\/#%E4%BA%8C%E3%80%81%E7%9E%AD%E8%A7%A3%E7%BE%8E%E5%9C%8B%E6%88%BF%E5%B8%82%E7%9A%84%E7%AB%B6%E7%88%AD\" >\u4e8c\u3001\u77ad\u89e3\u7f8e\u570b\u623f\u5e02\u7684\u7af6\u722d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/choozseo.com\/blog\/finance\/buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know\/#%E4%B8%89%E3%80%81%E8%A9%95%E4%BC%B0%E7%A7%9F%E9%87%91%E5%9B%9E%E5%A0%B1%E7%8E%87\" >\u4e09\u3001\u8a55\u4f30\u79df\u91d1\u56de\u5831\u7387<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/choozseo.com\/blog\/finance\/buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know\/#%E5%9B%9B%E3%80%81%E5%9C%B0%E5%8D%80%E9%81%B8%E6%93%87\" >\u56db\u3001\u5730\u5340\u9078\u64c7<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/choozseo.com\/blog\/finance\/buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know\/#%E4%BA%94%E3%80%81%E6%B3%95%E5%BE%8B%E8%88%87%E7%A8%85%E5%8B%99%E8%80%83%E9%87%8F\" >\u4e94\u3001\u6cd5\u5f8b\u8207\u7a05\u52d9\u8003\u91cf<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/choozseo.com\/blog\/finance\/buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know\/#%E5%85%AD%E3%80%81%E9%A2%A8%E9%9A%AA%E7%AE%A1%E7%90%86\" >\u516d\u3001\u98a8\u96aa\u7ba1\u7406<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/choozseo.com\/blog\/finance\/buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know\/#%E4%B8%83%E3%80%81%E8%B1%90%E5%AF%8C%E7%9A%84%E8%B3%87%E6%BA%90%E8%88%87%E8%B3%87%E8%A8%8A\" >\u4e03\u3001\u8c50\u5bcc\u7684\u8cc7\u6e90\u8207\u8cc7\u8a0a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/choozseo.com\/blog\/finance\/buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know\/#%E7%B5%90%E8%AB%96\" >\u7d50\u8ad6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/choozseo.com\/blog\/finance\/buying-a-house-in-the-united-states-7-tips-and-experience-sharing-you-must-know\/#%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\" >\u5e38\u898b\u554f\u984c<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E4%B8%80%E3%80%81%E9%81%B8%E6%93%87%E5%90%88%E9%81%A9%E7%9A%84%E6%88%BF%E5%9E%8B\"><\/span>\u4e00\u3001\u9078\u64c7\u5408\u9069\u7684\u623f\u578b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u5728\u7f8e\u570b\u8cb7\u623f\u53ef\u4ee5\u5206\u70ba\u5169\u7a2e\u4e3b\u8981\u8def\u7dda\uff1a\u8cfc\u8cb7\u6b63\u5728\u5e02\u5834\u4e0a\u51fa\u552e\u7684\u73fe\u6709\u4f4f\u5b85\uff0c\u6216\u662f\u8207\u5efa\u5546\u76f4\u63a5\u8cfc\u8cb7\u65b0\u6210\u5c4b\u3002\u5169\u8005\u5404\u6709\u512a\u7f3a\u9ede\uff0c\u73fe\u6709\u4f4f\u5b85\u901a\u5e38\u50f9\u683c\u8f03\u89aa\u6c11\uff0c\u4f46\u53ef\u80fd\u9700\u8981\u9032\u884c\u4fee\u7e55\u8207\u7ffb\u65b0\uff1b\u65b0\u6210\u5c4b\u5247\u8a2d\u65bd\u66f4\u65b0\uff0c\u4f46\u50f9\u683c\u53ef\u80fd\u8f03\u9ad8\u3002\u56e0\u6b64\uff0c\u9078\u64c7\u54ea\u4e00\u7a2e\u623f\u578b\u53d6\u6c7a\u65bc\u500b\u4eba\u7684\u9700\u6c42\u8207\u9810\u7b97\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E4%BA%8C%E3%80%81%E7%9E%AD%E8%A7%A3%E7%BE%8E%E5%9C%8B%E6%88%BF%E5%B8%82%E7%9A%84%E7%AB%B6%E7%88%AD\"><\/span>\u4e8c\u3001\u77ad\u89e3\u7f8e\u570b\u623f\u5e02\u7684\u7af6\u722d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u5728\u7f8e\u570b\uff0c\u5c24\u5176\u662f\u71b1\u9580\u57ce\u5e02\u6216\u5730\u5340\uff0c\u7af6\u722d\u76f8\u7576\u6fc0\u70c8\u3002\u64da\u6211\u6240\u77e5\uff0c\u8a31\u591a\u623f\u5b50\u5728\u5e02\u5834\u4e0a\u51fa\u73fe\u4e0d\u4e45\u4fbf\u6703\u88ab\u73fe\u91d1\u8cb7\u5bb6\u6436\u8cfc\uff0c\u56e0\u6b64\u4f9d\u8cf4\u8cb8\u6b3e\u7684\u8cb7\u5bb6\u53ef\u80fd\u9762\u81e8\u8f03\u5927\u98a8\u96aa\u3002\u5728\u9019\u7a2e\u60c5\u5f62\u4e0b\uff0c\u5982\u679c\u53ef\u80fd\u7684\u8a71\uff0c\u5148\u5132\u5b58\u4e00\u7b46\u8db3\u5920\u7684\u73fe\u91d1\u5c07\u5927\u5e45\u63d0\u9ad8\u4f60\u7684\u52dd\u7b97\u3002<\/p>\n<p>\u4f8b\u5982\u5728\u77fd\u8c37\uff0c\u7576\u5730\u5e02\u5834\u9700\u6c42\u65fa\u76db\uff0c\u8207\u9ad8\u79d1\u6280\u516c\u53f8\u76f8\u95dc\u7684\u8077\u4f4d\u4f7f\u5f97\u8a31\u591a\u4eba\u5e0c\u671b\u80fd\u5728\u6b64\u5b89\u5bb6\u7acb\u696d\u3002\u5373\u4f7f\u76f8\u5c0d\u5c0f\u7684\u623f\u5b50\uff0c\u50cf\u662f$45\u842c\u76841B1B(\u4e00\u623f\u4e00\u5ef3)\u5730\u7522\u4e5f\u53ef\u80fd\u8fc5\u901f\u88ab\u6436\u8d70\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E4%B8%89%E3%80%81%E8%A9%95%E4%BC%B0%E7%A7%9F%E9%87%91%E5%9B%9E%E5%A0%B1%E7%8E%87\"><\/span>\u4e09\u3001\u8a55\u4f30\u79df\u91d1\u56de\u5831\u7387<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u5728\u8003\u616e\u201c\u7f8e\u570b\u8cb7\u623f\u51fa\u79df\u201d\u7684\u76f8\u95dc\u8b70\u984c\u6642\uff0c\u79df\u91d1\u56de\u5831\u7387\u662f\u5fc5\u9808\u91cd\u8996\u7684\u4e00\u9805\u6307\u6a19\u3002\u4e00\u822c\u800c\u8a00\uff0c\u826f\u597d\u7684\u6295\u8cc7\u6a19\u6e96\u662f\u79df\u91d1\u56de\u5831\u7387\u57286-12%\u4e4b\u9593\u3002\u800c\u6839\u64da\u5730\u5340\u5dee\u7570\uff0c\u6211\u66fe\u7d93\u63a5\u89f8\u7684\u5305\u62ec\u829d\u52a0\u54e5\u3001\u6d1b\u6749\u78ef\u7b49\u5730\uff0c\u56de\u5831\u7387\u8207\u79df\u91d1\u50f9\u683c\u90fd\u6709\u6240\u4e0d\u540c\uff0c\u901a\u5e38\u5927\u57ce\u5e02\u7684\u6f5b\u529b\u5982\u79df\u91d1\u589e\u9577\u53ef\u80fd\u9ad8\u65bc\u5c0f\u57ce\u5e02\u3002<\/p>\n<p>\u8a08\u7b97\u79df\u91d1\u56de\u5831\u7387\u7684\u516c\u5f0f\u662f\uff1a<br \/>\n\\( \\text{\u79df\u91d1\u56de\u5831\u7387} = \\frac{\\text{\u6bcf\u5e74\u6de8\u79df\u91d1\u6536\u5165}}{\\text{\u623f\u50f9}} \\)<\/p>\n<p>\u82e5\u4f60\u60f3\u9032\u4e00\u6b65\u63d0\u5347\u6536\u76ca\uff0c\u53ef\u4ee5\u8003\u616e\u8207\u5c08\u696d\u7684\u623f\u5730\u7522\u7ba1\u7406\u516c\u53f8\u5408\u4f5c\uff0c\u8b93\u4ed6\u5011\u5e6b\u52a9\u4f60\u7ba1\u7406\u51fa\u79df\u7269\u4ef6\uff0c\u96d6\u7136\u6703\u6709\u76f8\u61c9\u7684\u7ba1\u7406\u8cbb\u7528\uff0c\u4f46\u80fd\u6e1b\u5c11\u4f60\u7684\u6642\u9593\u8207\u7cbe\u529b\u6295\u5165\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E5%9B%9B%E3%80%81%E5%9C%B0%E5%8D%80%E9%81%B8%E6%93%87\"><\/span>\u56db\u3001\u5730\u5340\u9078\u64c7<span 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