想逗留在港多年才移居美國問題

want to stay more time in HK? then use the re-entry premit is normal way to do it. lots people use it for 3, 4 years..... no problem and no question at all.

working few more years to make $$ in HK and plan to live in USA comfortable later??? i don't really think so.

it depend what kind of job you have in HK. otherwise, making US dollar is easier live in US comfortable than working regular job in HK.

people with college degree in here making 50 to 60 thousands dollar is very common. and that is $400,000+ HKD a year .

also, beside you apid off the whole price of the house, you will have problem to apply credit to buy property here with only some down payment.

- The re-entry permit can allow you to stay in HK for another good period, but you may risk your GC especially if you are earning salary in HK from a HK company.

--- I think you may have some wrong idea about US. For buying a house, there are a lot of benefit for coming now instead of later for coming to US:

- The younger you are, the more chance you can find a job or a better job in US. If you are in 20s or early 30s, your best choice could be going to school to get a higher degree than 買樓. With GC, you don't need to go school in full time, US colleges are very flexible in hours, you can work and go to school at the same time. A degree from US even the worst college could help you a lot in job hunting.

- 買樓 is easy in US compare with HK if you have an OK job. The initial saving required to buy a house is a lot less than HK. Mortgage can borrow up to 90% easily, and even 95%. Before the house bubble in 2008, banks could borrow u 100%.


- 買樓 in US is a lot different concept than HK. In HK, you are kind of "All-Set" if you paid all money back to the bank and owned your house. In US, there could be a lot of other expensives. Example: If you borrow 80% of money from bank to buy a house, if you paid $1500 each month to bank, and you may still need to pay $700 to government as tax each month + all other expenses. Even you paid in full to bank, you still need to have an income to cover all other expenses which could easily be over USD$1k for a normal house depending on where you live/ and type of house. (for luxury house, tax is even more.)

- Your credit history is one of the most important fact about 買樓 in US. It takes a few years to build a good history. Without a good history, you will be paying a lot more interest than other. (e.g. With no credit history, your interest rate could be 8% or 9% vs a person getting 5% interest rate with good history . The earlier you come, the earlier you can start to build a credit history. )

Your concern should be the loss of residency.

There is no way to guarantee that (even with re-entry permit).

Remember, if CBP senses you have no intention to keep your residency (based on your travel pattern), they will refer to immigration hearing.

Then you must convince a judge why you have the intention to stay in the U.S.

Family members, assets in the U.S., paying tax will help (but as always not guaranteed).