回複：請問在美國能否貸款購買土地？若可以的話，應怎樣查找相關的法規？謝謝！

Yes you can. Do you want info about getting a vacant land mortgage, or info about how to buy a piece of land?

For mortgage, just google vacant land mortgage.

Example link:
http://www.bankrate.com/brm/news/DrDon/20010914a.asp

Example answer:
It is usually the local lenders that are willing to do mortgage for land purchase. They are usually high interest rate and short term loans, such as balloon loans. Lenders think that there is not enough collateral there and land is tougher to sell. Usually the buyer is ok with the balloon and higher rate as they are just looking to own the land then build a house on it. At that point they will refinance for a much better rate. The only real way around is to look for owner financing but many times the owner is not willing to provide a better deal than the banks.

所有跟帖： 

• Thanks! -lovecd- ♂ (0 bytes) () 04/22/2008 postreply 21:19:00