作为Klasko移民法律合伙人EB-5投资者团队的主席，我的团队经常受聘处理复杂的投资者案件，审查其他公司准备的文件，并应对移民局的挑战。我已经指导了数百名投资者完成了EB-5流程，包括经常令人不安的步骤：签证面试。

我也对移民之旅了如指掌。作为一名移民，我知道这个过程会让人感到多么紧张——不仅对申请人来说，对他们的整个家庭来说。这就是为什么我想为你揭开EB-5签证面试的神秘面纱。有了准备和正确的心态，这一步应该是对你已经完成的辛勤工作的确认，而不是绊脚石。

我们将讨论仅限于在美国海外领事馆的面试，因为目前，美国公民及移民服务局不定期面试基于EB-5的调整申请人。

面试在 EB-5 流程中的适用范围

对于那些正在办理领事手续的人，EB-5面试仅在您办理领事手续之后进行 I-526 请愿书 已获得批准，您已经提交了 DS-260 移民签证申请。国家签证中心安排在您原籍国或居住国的美国大使馆或领事馆面试

请务必记住，这不是求职面试，也不是旨在测试你的移民法知识的考试。该官员的职责只是确认您已经提供的信息，并确保您有资格获得永久居留权。

你可能会被问到的问题

面试期间，领事官员将验证您的身份，确认您的投资资金的合法来源，审查您和您的受抚养人的资格，并询问有关您投资的项目的问题。尽管每次面试都是独一无二的，但也有共同的主题。你可能会被问到你的个人和专业背景、移民历史、你选择特定EB-5项目的原因、你是如何获得或获得投资资本的。通常不会向受抚养人询问有关EB-5投资的问题。

我总是告诉客户直接而简洁地回答问题。过长、过于详细的答案通常会造成混乱或引发不必要的后续行动。同时，避免过于频繁地排练答案以至于听起来像是脚本。警官通常能分辨出某人何时在背诵记住的台词，这可能会显得不诚实。取而代之的是，了解你的故事并自然地说话。

面试要带什么

井井有条是至关重要的。文书工作缺失或杂乱无章可能会造成延误。您将需要所有家庭成员的护照、您的 DS-260 确认页面、面谈预约书、需要翻译件的原件或经认证的民事文件、您的 I-526 批准通知以及您的投资和合法资金来源的证明（视领事馆而定）。

如果您重新安排了面试时间，请务必确保您的警方通行证和医疗证明在面试时仍然有效。 注意：只有在面试安排好之后，申请人才能安排体检。

可能导致问题的错误

我在面试中看到的最常见的问题是所说的内容与之前的文件（包括 I-526 请愿书）中的内容不一致；对资金来源的解释含糊或令人困惑；文件缺失以及对所选项目不熟悉。

这些错误很容易避免。关键是要了解您的案例，查看您的文档，并准备好用通俗易懂的语言解释您的答案。

与律师一起做好准备的价值

尽管可以自己做好准备，但许多投资者在与律师进行面试准备时会感到放心。我经常与客户举行这些会议，讨论可以问的问题类型。

这种准备不仅可以建立信心，还可以帮助投资者练习自然地说话，而不是背诵记住的回答。它还确保受抚养人为面试做好准备。

面试结束后

有三种典型的结果。

1. 在许多情况下，签证会在几周内获得批准和签发。
2. 有时，根据第 221 (g) 条将案件置于行政处理或临时驳回状态，这通常意味着需要更多文件或背景调查正在进行中。这不是真正的否认，但可能会延长时间表。
3. 最后，签证签发后，您必须在签证的有效期内进入美国。虽然大多数申请人获得的签证有效期为6个月，但务必检查每位申请人的签证的有效期，并确保他们在此期间至少进入美国一次。

实用清单

归根结底，良好的准备归结为有条理和知情。以下是我向客户推荐的带备物品的高级清单。

1. DS-260 确认页和面试信
2. 所有家庭成员的护照
3. 原始或经认证的民事文件（如果需要可提供翻译）
4. I-526 批准通知
5. 投资证明和合法资金来源
6. NVC 要求的任何其他文件
7. 经批准的医生提供的当前体检结果
8. 井井有条的活页夹或文件夹，便于快速参考
9. 并乐于回答有关您的背景、资金和项目的问题

以上不是一份全面的清单，也不是法律建议。由于每个人的个人和移民历史各不相同，因此可能需要为这一过程提供额外的文件和其他信息。不应将EB-5面试视为障碍，而应将其视为对您获得美国居留权的最终确认。

根据我的经验，以清晰、有条理和冷静的信心对待面试的投资者会发现这是一个出人意料的简单步骤。仔细准备，确保您的体检和警察证明是最新的，并记住警官在那里验证您的资格。有了正确的准备，你可以放心地进入面试，离实现移民目标更近一步。

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作者简介
Anusree (Anu) Nair 是的合作伙伴 Klasko 移民法合伙人 在费城，担任该公司EB-5投资者团队的主席。她领导一支专门的律师小组，通过EB-5区域中心和直接投资协助投资者获得美国居留权。她因其对投资者相关移民问题的掌握而获得全国认可，经常被要求审查复杂的EB-5案例并回应拒绝意向通知（NOID）。阿努还领导EB-1/O-1团队，为科学、医学和艺术领域的高技能专业人员提供帮助。作为移民，阿努本人将专业知识和个人理解融入其工作中，帮助客户实现他们的移民梦想。

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If you're considering the EB-5 visa program but don't have the full $800,000 investment amount readily available, you may be wondering: can you use an EB5 loan to fund your investment? The answer is yes, but there are important requirements and considerations to understand.

The 2022 Law Change Made EB5 Loans Clear

The EB-5 Reform and Integrity Act of 2022 brought significant clarity to the loan question. "The new law clarified that loans are okay. Before then, it was not clear whether a loan was okay, "explains Adam Greene, EVP EB-5 for Peachtree Group. Previously, the immigration service had taken the position that borrowed funds didn't qualify as capital if they weren't the investor's own assets.

Under the new law, gifted or borrowed funds may be counted as long as they meet two key requirements: the funds were obtained "in good faith" and were not used "to circumvent any limitations of permissible sources of capital."

What USCIS Needs to See for EB-5 Loans

When documenting an EB-5 loan, USCIS requires specific evidence:

• A valid loan agreement with clear terms
• Documentation of the loan source and how proceeds are transferred
• Proof that you, not someone else, are responsible for repayment
• Evidence of the lender's source of funds (unless from a U.S. chartered bank)

"As long as you can trace the money to a loan from a US chartered bank, that's OK," Greene notes. "However, if borrowing from individuals, you'll need to demonstrate that their source of capital is legitimate.”

Valid EB-5 Loan Sources

Several loan types can work for EB-5 investments:

• Home equity lines of credit
• Loans against investable assest (margin loans)
• Personal loans from banks with proper collateral
• Loans from companies or trusts you own
• Unsecured loans, if properly documented

"Any of these loans is valid as long as there is a legally enforceable loan agreement and you can establish that the funds that you get from the loan were sourced legitimately," Greene explains.

Key Risks to Avoid

The biggest red flag is attempting to circumvent source of funds requirements. "If you're trying to do something cute or tricky or something that just makes it easier to document your source of funds, you violate the spirit of the EB-5 law and you will have a high risk of I-526E denial.," warns Greene.

Other risks include:

• Inadequately documented loan agreements
• Loans secured by the EB-5 project itself
• Immediate loan repayment wiht unsourced funds

Peachtree Group's EB-5 Loan Solution

Recognizing the complexities of EB-5 loan documentation, Peachtree Group has created an affiliated lender that provides loans specifically for EB-5 investors. This program offers several advantages:

Unsecured Loan Structure: "We have an affiliated lender that actually will provide a loan to an investor that doesn't have a formal security agreement against the assets of the borrower," Greene explains. This eliminates potential complications with the immigration service regarding security interests in the EB-5 investment itself.

Flexible Repayment Terms: The loan doesn't need to be repaid for up to five years from origination. "It's very possible or even likely that their EB-5 investment may be repaid within those five years," Greene notes, meaning investors might use their returned EB-5 capital to repay the loan. Of course, EB-5 investors would remain personally liable for any shortfall in repayment proceeds, which is required to satisfy the “at-risk” requirements of the EB-5 program.

Streamlined Source of Funds: Since the affiliate lender sources funds from a US chartered bank, the documentation process is simplified. "We are able to prove that we funded off a bank line and therefore that should be sufficient for source of funds," Greene explains.

Clear Risk Structure: Investors who use $400,000 of their own funds plus a $400,000 loan are "at risk for $800,000,"satisfying USCIS requirements while providing financing flexibility.

The Bottom Line

"Loans are allowed under the new law unambiguously; it’s written in the text of the law," Greene emphasizes.

Success requires careful planning and proper documentation. The loan must represent genuine risk to the investor, and all source of funds requirements must be met.

Peachtree Group's affiliated lending program is designed to navigate these requirements while providing investors with flexible financing options. Before proceeding with any EB-5 loan structure, consult with an experienced immigration attorney to ensure compliance and avoid potential complications during the adjudication process.

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Peachtree Group (“Peachtree”) has received I-956F approval from U.S. Citizenship and Immigration Services (USCIS), the federal agency that oversees the EB-5 Immigrant Investor Program, for the development of Madison Bradenton, a 240-unit multifamily community in Bradenton, Fla.

The approval marks another major step forward for Peachtree’s EB-5 program, which drives economic growth and job creation through foreign investment in U.S. projects.

“Madison Bradenton reflects the strong demand for high-quality multifamily housing in growing markets,” said Adam Greene, executive vice president of EB-5 at Peachtree. “This project underscores our ability to pair EB-5 financing with secured lending, delivering attractive opportunities for investors while meeting critical housing needs.”

This marks Peachtree’s fourth I-956F approved development. Previous projects include Home2 Suites by Hilton in Boone, N.C., Spring Hill Suites by Marriott in Bryce Canyon, Utah and TownePlace Suites by Marriott in Palmdale, Calif.

Peachtree launched its EB-5 program in 2023 and remains committed to delivering high-quality, job-creating projects nationwide.

Peachtree originated $47 million in floating-rate construction financing with a four-year term for the development. The project will include five four-story, elevator-serviced apartment buildings and one two-story carriage-style building, along with a clubhouse and several garage structures.

The 10.7-acre site at 303 301 Boulevard West sits in Manatee County, one of Florida’s fastest-growing areas. The location offers access to major employers, top healthcare centers and leisure destinations, including Siesta Key Beach, ranked among the nation’s best.

The community will feature 120 one-bedroom, 100 two-bedroom and 20 three-bedroom residences, averaging 1,027 square feet. Units will include stainless steel appliances, walk-in closets, granite countertops, kitchen backsplashes, ceiling fans, full-size washer-dryers and private patios or balconies.

Bradenton and the North Port–Sarasota–Bradenton metropolitan area continue to benefit from strong population growth, economic expansion and an appealing coastal lifestyle. With 81 percent of area jobs accessible within a 30-minute drive and leading employers in healthcare, government and retail, the market outlook remains highly favorable.

The EB-5 visa program allows foreign investors to obtain a green card in exchange for making a qualifying investment in a U.S. project that creates or preserves at least 10 full-time jobs. The minimum investment is $800,000.

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