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的那天。\u003C\u002Fp>\u003Cp>拟议规则要求，投资人在递交申请时，这笔投资必须仍然处于风险状态、并且可供创造就业的实体使用。换句话说，递交那一刻，钱得还在项目里干活。\u003C\u002Fp>\u003Cp>第三个日期，是条件绿卡生效的那天。不少人以为 2 年从这里开始算，其实不是。\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>\u003Cstrong>你以为的起算日\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>\u003Cstrong>官方口径\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>\u003Cstrong>差别在哪\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cp>打款到项目账户或中介账户那天\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>钱要真正"置于风险"，能跟着项目损益\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>放在监管账户里尚未释放，一般不算起算\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cp>拿到条件绿卡那天\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>从资金置于风险之日起算\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>排期长，不等于必须一直压着钱\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cp>递交 I-829 那天\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>I-829 阶段是复核"有没有维持满 2 年"\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>复核点在后面，起算点在前面\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>数据来源：拟议 8 CFR 204.407(a)；91 FR 40676（2026-07-02），第 40706 页；INA §203(b)(5)(A)(i) 原文为"expected to remain invested for not less than 2 years"。\u003C\u002Fp>\u003Ch1>三、钱放在监管账户里，算不算开始计时\u003C\u002Fh1>\u003Cp>这是最容易被忽略的一处细节，而 DHS 在文件里专门写了。\u003C\u002Fp>\u003Cp>按现行安排，投资人可以先把自己的钱放进监管账户（escrow），等 I-526E 批下来再释放给项目。这条路是允许的，也被很多人用来降低风险：批不下来，钱退回来。\u003C\u002Fp>\u003Cp>那么投资期从哪天算？DHS 说得很明确：在 I-526E 获批、资金从监管账户释放到创造就业的项目实体之后，投资人须预期在该实体维持投资不少于 2 年。\u003C\u002Fp>\u003Cp>这句话的实际含义是：\u003Cstrong>走监管账户的项目，2 年的起算点会往后推，推到放款那一天。\u003C\u002Fstrong>如果你的钱在账户里躺了一年才释放，实际占用期就是"一年 + 两年"。\u003C\u002Fp>\u003Cp>所以谈资金安排时，别只问"几年能退"，要问清楚：钱什么时候从监管账户放出去？放款条件是什么？这一前一后，差的可能就是一年。\u003C\u002Fp>\u003Cimg src=\"\u002Fuploads\u002F1794452686449526673.jpg\" alt=\"联邦公报91 FR 40676第40706页：DHS关于投资期限起算与监管账户释放的论述\" width=\"100%\">\u003Cp>数据来源：Federal Register Vol. 91, No. 126（2026-07-02），91 FR 40676，第 40706 页\u003C\u002Fp>\u003Ch1>四、DHS 为什么愿意松这一手\u003C\u002Fh1>\u003Cp>文件里有一段话，说得挺实在。\u003C\u002Fp>\u003Cp>DHS 表示，之所以把"递交时仍在险"写成硬性要求，是为了让投资人不必因为排期这类自己控制不了的事，一直把钱压在项目里；也让项目方不必在就业已经创造够之后，为了维持"在险"状态，反复把资金挪来挪去。\u003C\u002Fp>\u003Cp>这种"挪来挪去"有个专业名叫再投资（redeploy）。它不是随便挪——法条里写得很重：如果新商业企业不当再投资投资人的资金，USCIS 必须终止相关区域中心的指定资格。这一条挂在 INA §203(b)(5)(F)(v)(II)。\u003C\u002Fp>\u003Cp>换句话说，过去那套"为了保住身份，钱得到处找地方放着"的做法，项目方压力大，投资人也不踏实。拟议规则想把这个结解开。\u003C\u002Fp>\u003Cp>DHS 还补了一句：投资人一般在投完钱后很快就会递交申请，既锁定优先日，也锁定法条给的保护，所以在递交日维持投资"通常不构成负担"。\u003C\u002Fp>\u003Ch1>五、"2 年"不是自动赎回条款，这点必须说清\u003C\u002Fh1>\u003Cp>看到这里，很多人会松一口气：那是不是两年一到，钱就能回来？\u003C\u002Fp>\u003Cp>不是。DHS 在同一份文件里写得很清楚：INA 只规定了一个最低投资期限，并不禁止投资人和企业约定更长的投资期。\u003C\u002Fp>\u003Cp>翻译成大白话：法律说"最少 2 年"，没说"最多 2 年"。你的钱什么时候能退，最终看项目文件——贷款期限多长、还款顺序怎么排、退出机制怎么触发、有没有展期选项。这些写在合同里，不是写在法条里。\u003C\u002Fp>\u003Cp>现实里，多数区域中心项目的资金占用期在 5 年上下，有的更长。这跟"2 年"不矛盾：2 年是法定底线，5 年是商业约定。\u003C\u002Fp>\u003Cp>还有一处要留意：DHS 承认，这 2 年的框架和投资人的条件绿卡期"可能并不完全吻合"。USCIS 会在投资人申请解除条件（也就是 I-829 阶段）时，回头审查这笔投资是不是从置于风险那天起、确实维持了至少 2 年。所以时间线要留痕，别到时候说不清。\u003C\u002Fp>\u003Ch1>六、辟谣三条\u003C\u002Fh1>\u003Cp>\u003Cstrong>说法一："钱要一直压到 I-829 批下来、拿到永久绿卡。"\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>这是把复核点和起算点混在一起了。2 年是从资金置于风险起算的持有期；I-829 是复核这个持有期有没有满足，不是重新起算。\u003C\u002Fp>\u003Cp>\u003Cstrong>说法二："排期十年，钱就得压十年。"\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>拟议规则恰恰想解决这个问题。DHS 明确讲，不希望投资人因为排期这种不受自己控制的因素，被迫长期维持投资。但注意，这是拟议中的规则，还没生效。\u003C\u002Fp>\u003Cp>\u003Cstrong>说法三："2 年一到，项目必须退钱。"\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>法条只设最低期限。能不能退、什么时候退，看合同条款和项目现金流。把"法定 2 年"当成"到期自动赎回"，是最容易踩的认知坑。\u003C\u002Fp>\u003Ch1>七、踩坑：四件事在递件前就能核\u003C\u002Fh1>\u003Cp>\u003Cstrong>坑一：资金溯源只按本金准备。\u003C\u002Fstrong>投资期内如果需要补足资金（项目超支、就业缺口、结构调整），追加部分的合法来源照样要一条条证明。资金方案别卡着最低线做。\u003C\u002Fp>\u003Cp>\u003Cstrong>坑二：期房项目没问清"放款条件"。\u003C\u002Fstrong>未开工项目往往要等许可、等融资关闭才放款。放款晚，起算点就晚，实际占用期被拉长。看项目时，把放款条件和开工节点一起问。\u003C\u002Fp>\u003Cp>\u003Cstrong>坑三：年审和文件留痕不当回事。\u003C\u002Fstrong>资金进出、放款凭证、项目方出具的持有证明，将来都是 I-829 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