Nowadays, people's living conditions are increasing, and more and more people choose to buy real estate overseas. After all, the prospects are good and the benefits are great. The United States, with its developed economy and high education quality, has become the first choice for many people going abroad. Let's take a look at the four common types of houses in the United States with me. I hope it will help you.

1. Single family residence

Single house This is the most common type of house in the United States. Take New York State as an example. Outside the bustling Isle of Man, this type of housing accounts for almost a large proportion. There are also different classifications of detached houses, such as Attached Single Family Residence and detached single family residence.

Attached single family residence is what we call a two-piece house. Two houses have a common wall, but each house has its own house number.

as for Detached Single Family Residence, this kind of house is an independent courtyard household, and usually has its own driveway, garage and yard. The owner of the house has full ownership of the land and the house, but also has the responsibility to maintain his own courtyard and property. For example, in snowy days, we should shovel snow in the driveway of our house and water or prune the flowers and plants in our yard in time.

The choice of villa has obvious advantages. First of all, it has permanent property rights to the real estate on the ground and the land where it is located. From the perspective of investment, detached houses are the most valuable, followed by townhouses, and finally apartments. Relatively speaking, the supply of single-family villas is relatively small, but it is also the first type of housing that foreigners consider when they have sufficient funds.

First of all, a single-family villa has the best living environment, has its own independent garden and parking garage, and does not have to pay property fees. All matters related to the shape of the house, the improvement of the courtyard and the construction of facilities can be decided by the owner himself. Land is a scarce resource, and single-family villas enjoy their land property rights exclusively, so there is a large room for natural appreciation.

However, single-family villas also have disadvantages, such as high price and high requirements for buyers. If you don't live by yourself, the villa is not easy to rent because of the relatively high price, and it is often in the state of "empty rent", so the independent villa is easy to show negative cash flow. In addition, due to the large area of gardens, garages, swimming pools, basements and houses, the maintenance cost of villas is high.

Therefore, villas are more suitable for self-occupation and are the first choice for buyers with strong financial strength. It is difficult for villas to cover monthly loans by rent. Villa is also suitable for buyers who pay attention to the appreciation potential of assets. Although it has negative cash flow in the short to medium term, in the long run, the appreciation potential of villa is the highest among all housing types.

2. Townhouse

From the literal meaning, we can see that a townhouse is composed of the same walls as one or several villas.

every house (family) has 2-3 floors of housing space, and water, electricity and gas are completely separated from other families, which is equivalent to the combination of house and apartment. The ownership of townhouses belongs to the owners. Some townhouses will have their own courtyards and garages, but some don't.

The price of a townhouse is between an apartment and a single-family villa. It has a certain area of land ownership, and the owner owns the house, which has a certain value-added space. A few townhouses can make ends meet, but in general, the rental yield is far less than that of apartments.

townhouses are similar to villas in apartments, and have both characteristics. Moderate price, with some land ownership, suitable for users who want to benefit from the appreciation of real estate and get some rental income.

3. Apartment

If you are a young man who loves city life and you don't want to live in a quiet small village, an apartment is your best choice. In America, the supporting facilities of apartments are perfect. Take an ordinary apartment in new york as an example, it will be equipped with a laundry room, heating, air conditioning, gym, swimming pool, parking lot, doorman and even a chapel, and there will be a convenience supermarket around the community. Living in an apartment is very convenient and worry-free.

Strictly speaking, an apartment is not a house type, but a form of housing organization. When you buy the first two types of apartment, you buy the house together with the land, while when you buy an apartment, you only get the unit you live in, and neither the roof nor the land belongs to the buyer. Because the shared area of apartments is relatively large, the maintenance management fee is higher than that of conjoined villas.

The ownership of an apartment can be a company or an individual. Apartments in the form of companies are usually managed by companies. These apartments are not for sale, but only for rent. The individual form of apartment is that the individual obtains the ownership of the apartment through buying and selling. This kind of house can be put on the market for rent or sale, or it can live by itself. Living in an apartment requires you to pay a certain management fee to the management company every year or every month.

Apartment has many advantages. Firstly, the price is much cheaper than villa, which is suitable for middle-class families to invest. Then, the main rental needs are provided by apartments, so apartments are easy to find tenants, which can be achieved by "supporting loans by rent", that is, paying the mortgage with rent every month. This also makes the rental return rate of apartments worth looking forward to. In foreign countries, it can usually reach an annual rental return rate of more than 5%, which is a positive cash flow investment method. In addition, apartments are mostly located in urban areas or near schools, which is more convenient than suburban villas.

However, apartments also have their own weaknesses, and their appreciation space is smaller than that of single-family villas with land, and the appreciation speed is slow. Secondly, you need to pay the property fee every year, and you don't have complete land property rights, only enjoy your own part. In addition, apartments in urban areas are also prone to lack of parking spaces.

Generally speaking, apartments are more suitable for friends who like positive cash flow and invest with leverage. By paying 3-5% down payment, you can own the complete property right of the house, and make up the rest of the house price by monthly rent. After the mortgage is repaid, you can still earn positive cash flow every month.

there is a famous saying "location, location, location" in the real estate industry, especially in apartments. Generally speaking, as long as the apartment is located around the school, in the city center, or within 8 minutes' walking distance from the public transportation station, it is of great investment value, and often it can get a higher rental return rate and a certain appreciation space.

fourth, private Apartment (Condo)

There is no difference between Condo and apartment in appearance. Condo is only a form of house property right, not a type of house. Condo's ownership belongs to individuals (that is, owners), not real estate companies, so owners need to pay real estate tax every year.

so if you rent Condo, you usually sign a rental contract with the owner, not the real estate company. Of course, the whole building will still be maintained by the entrusted property company. If you live or rent in Condo, you must get the consent of the property management company if you want to improve the interior or balcony of the house.

the difference between Condo and Apartment for rent mainly lies in the difference of property rights, although they are very similar in appearance. For example, in a whole Condo, each household has its own property rights, and each Apartment has a different owner. However, the whole apartment building is generally owned by one owner, which can be owned by a company or individual. Generally, the landlord uses it for rent, but can't sell it in a single set, but can only sell it as a whole.

it is precisely because of the difference in property rights that other subtle differences between Condo and Apartment are caused. For example, every household in Condo has its own water and electricity meter, just like ordinary residential quarters in China. Apartment generally has a unified water supply system, and the water fee is shared equally by the users, but the electricity fee is paid by the tenants themselves.