Are You a Taiwanese Investor Interested in U.S. Property?
The U.S. real estate market continues to be one of the world’s most attractive destinations for global investors, and Taiwanese buyers are no exception. Whether you’re looking to build passive rental income, expand your international holdings, or diversify outside of Asia, owning property in the U.S. is well within reach, even if you live and work in Taiwan.
The best part? You don’t need a U.S. credit score, visa, or residency to qualify for a mortgage.
This guide explains how you can secure a U.S. mortgage from Taiwan, which loan programs are best for foreign nationals, and what documentation is needed for a smooth financing process.
Can Taiwanese Citizens Buy Property in the U.S.?
Yes. There are no legal restrictions preventing Taiwanese citizens from purchasing real estate in the U.S. You can buy rental property, vacation homes, or investment assets as a non-resident, and you can finance the purchase with a U.S.-based mortgage.
Lenders that specialize in foreign national mortgage programs evaluate your global income, assets, and the property’s rental potential, not your U.S. credit or tax history.
How Do U.S. Mortgages Compare to Taiwan?
Understanding the difference between how mortgages work in Taiwan and in the U.S. will help you prepare for a foreign investment purchase.
| Feature | United States (Foreign National) | Taiwan |
| Residency Required | No | Usually required for loans |
| Credit Score Required | No U.S. credit needed | Local credit and ID often required |
| Minimum Down Payment | 25% | 20–30% |
| Interest Options | Fixed or adjustable | Mostly variable |
| Loan Terms | 15–30 years (regardless of the borrower’s age) | Typically shorter (up to 20 years) |
| Approval Based On | Global income or rental income | Personal income and job verification |
Required Documents for Taiwanese Investors
To apply for a U.S. mortgage from Taiwan, lenders typically ask for:
- Valid Taiwanese passport
- Recent bank statements (Taiwan or international accounts)
- Documentation showing available funds for the down payment and reserves
- Purchase contract or property details
- Projected rental income for investment properties
- U.S. credit score is not required
If you’re buying a rental property, you may be eligible for a DSCR loan, which requires no personal income documentation; only the property’s rental performance is considered.
Best U.S. Mortgage Options for Taiwanese Citizens
1. Foreign National Investment Loan
Designed specifically for non-U.S. residents, this loan allows Taiwanese investors to purchase U.S. property using their international financials.
Best For:
- Buyers with no U.S. credit or residency
- Investors purchasing rental homes or second properties
Features:
- 25% down payment
- No Social Security Number required
- Approval based on international income and assets
- Fixed or adjustable interest rates available
2. DSCR Loan (Debt Service Coverage Ratio)
Ideal for real estate investors purchasing income-producing properties. DSCR loans use the property’s expected rental income to determine eligibility, not your personal financials.
Best For:
- Buyers focused on rental income and cash flow
- Investors seeking minimal documentation and faster approvals
Features:
- No employment or tax returns required
- Approval based solely on property cash flow
- Suitable for both residential and multifamily investment properties
Why Work with a U.S. Lender That Understands Taiwanese Buyers?
Navigating an international mortgage can be complex, especially across time zones, languages, and banking systems. That’s why working with a lender that specializes in foreign national loans is essential.
America Mortgages is a leading U.S. mortgage provider serving clients from Taiwan and across Asia, offering fast approvals, transparent terms, and expert guidance from advisors who understand international financing.
Contact: [email protected]
Website: www.americamortgages.com
24/7 US Loan Specialist support line: +1 845-583-0830
Need help getting started? Use their 24/7 online booking tool to schedule a free, no-obligation consultation with a licensed U.S. mortgage advisor. https://www.americamortgages.com/home-mortgage-for-foreign-national-form/
如何從台灣申請美國房貸？完整指南
台灣投資人想買美國房產嗎？
美國房地產市場依然是全球最受歡迎的投資目的地之一，台灣投資人也不例外。無論你是想建立穩定的被動租金收入，擴展海外資產組合，或是將資產配置多元化，美國不動產對身在台灣的你來說，完全有機會入手。
最棒的是：你不需要美國信用紀錄、簽證或居留權，就能申請貸款。
這篇指南將詳細說明如何從台灣申請美國房貸、有哪些適合外籍人士的貸款方案，以及所需準備的文件，協助你順利完成海外房產投資。
台灣人可以在美國買房嗎？
可以！ 美國法律並沒有禁止外國人購屋。即使你是非美國居民，也可以購買出租房、度假屋或投資型房產，並透過美國本地的房貸金融機構辦理貸款。
專為外籍人士設計的貸款方案會依據你的全球收入、資產及房產的租金潛力來評估資格，不會要求你具備美國信用紀錄或報稅紀錄。
美國與台灣房貸制度的比較
了解台灣與美國房貸制度的差異，有助於你為海外投資做好準備：
| 項目 | 美國（外籍人士） | 台灣 |
| 是否需有居留身分 | 不需要 | 通常需要 |
| 信用分數要求 | 不需要美國信用分數 | 需本地信用紀錄及身分證明 |
| 最低頭期款比例 | 25% | 20%–30% |
| 利率類型 | 固定利率或可調整利率 | 多為浮動利率 |
| 貸款年限 | 15–30年（與借款人年齡無關） | 多為短期貸款（最長約20年） |
| 審核依據 | 全球收入或房產租金收入 | 個人收入與就業狀況 |
台灣投資人申請美國房貸所需文件
從台灣申請美國房貸時，貸款機構通常會要求以下文件：
✅ 有效的台灣護照
✅ 最近的銀行帳戶對帳單（台灣或海外銀行均可）
✅ 頭期款及備用資金的資金證明
✅ 房產購買合約或詳細物件資料
✅ 若為投資用途，需提供預估租金收入
✅ 不需提供美國信用分數
如果你購買的是出租用途房產，還可選擇 DSCR 貸款方案，不需提供個人收入證明，只要房產本身的租金收入達標即可。
台灣公民最適合的美國房貸方案有哪些？
1️⃣ 外籍人士投資房貸（Foreign National Investment Loan）
這是專為非美國居民設計的房貸方案，讓台灣投資人能以海外財務資料來購買美國房產。
📌 適合對象：
- 沒有美國信用紀錄或身分的買家
- 購買出租房或第二套房產的投資人
📌 主要特色：
- 最低25%頭期款
- 不需美國社會安全號碼
- 可用海外收入與資產審核貸款資格
- 提供固定利率或浮動利率選項
2️⃣ DSCR 貸款（租金收入比率貸款）
此方案專為購買投資型房產的買家設計，貸款審核完全根據預估租金收入，不需個人收入或稅務資料。
📌 適合對象：
- 依靠租金現金流進行投資的買家
- 追求簡化審核流程、快速核准的投資人
📌 主要特色：
- 無需提供就業或報稅資料
- 僅依房產租金收入審核貸款資格
- 適用於單一住宅或多戶型投資物件
為什麼選擇了解台灣買家的美國貸款公司？
跨國房貸牽涉到不同的語言、時區與銀行制度，過程相對複雜。選擇專門服務外籍買家的美國貸款機構，能幫你節省大量時間與風險。
America Mortgages 是美國領先的外籍貸款專家，長期服務來自台灣及亞洲各地的客戶，提供快速核准、透明條款，以及了解亞洲投資需求的專業團隊協助你完成貸款流程。
📧 聯絡信箱：[email protected]
🌐 官方網站：www.americamortgages.com
📞 24小時美國貸款顧問熱線：+1 845-583-0830
📅 想開始了解美國房貸？使用我們的 24/7 預約系統，立即預約免費諮詢，由持牌貸款專員為你解說貸款流程：
👉 立即預約
