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与基建项目打七五折，高就业区加价三成三。\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cp>\u003Cstrong>投资区域类型\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>\u003Cstrong>现行\u002F拟议金额\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>\u003Cstrong>2027年1月1日起的调整机制\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cp>标准最低投资额\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>现行 $1,050,000，拟议写入条文\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>每 5 年按 CPI-U 累计涨幅调整，向下取整到 $50,000\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cp>TEA \u002F 基建项目\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>现行 $800,000，拟议写入条文\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>等于标准额的 75%，向下取整到 $50,000\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cp>高就业区（拟议新增定价）\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>拟议 $1,400,000\u003C\u002Fp>\u003C\u002Ftd>\u003Ctd>\u003Cp>等于标准额的 133%，向上取整到 $50,000；INA 法定上限为标准额 3 倍，即 $3,150,000\u003C\u002Fp>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>数据来源：拟议 8 CFR 204.407(b)(1)–(3)、INA §203(b)(5)(C)(i)–(iv)；91 FR 40676（2026-07-02），第 40703、40781 页。2027 年调整后的具体数额以联邦公报公布为准，官方尚未公布。\u003C\u002Fp>\u003Cimg src=\"\u002Fuploads\u002F1794279893791646960.jpg\" alt=\"联邦公报91 FR 40676第40781页：拟议8 CFR 204.406优先日保留与204.407三档投资额条文\" width=\"100%\">\u003Cp>数据来源：Federal Register Vol. 91, No. 126（2026-07-02），91 FR 40676，第 40781 页\u003C\u002Fp>\u003Ch1>三、"高就业区"是怎么算出来的\u003C\u002Fh1>\u003Cp>这不是新造的概念。INA §203(b)(5)(C)(iv) 早就允许 DHS 在"高就业区"设定更高的投资额，上限是标准额的三倍。只是过去二十多年，DHS 从未真正给这一档定过价，市场上也就默认只有"105 万"和"80 万"两个数字。\u003C\u002Fp>\u003Cp>拟议规则把口子收紧了，也把价格标出来了。高就业区要同时满足三个条件：\u003C\u002Fp>\u003Cp>\u003Cstrong>第一，在都市统计区（MSA）内。\u003C\u002Fstrong>乡村地区不在这个范畴。\u003C\u002Fp>\u003Cp>\u003Cstrong>第二，不属于 TEA。\u003C\u002Fstrong>已经按高失业率或乡村拿到 TEA 资格的区域，不适用这一档。\u003C\u002Fp>\u003Cp>\u003Cstrong>第三，项目主要经营所在普查区的失业率足够低。\u003C\u002Fstrong>拟议 204.401 的表述是：全国平均失业率至少是该区失业率的 150%。换个算法，这个普查区的失业率不能超过全国平均的三分之二。\u003C\u002Fp>\u003Cp>还有一条容易被忽略：\u003Cstrong>只算项目主要经营所在的那几个普查区，不并入相邻普查区。\u003C\u002Fstrong>DHS 在 preamble 里明确说了，把相邻区并进来只会让本已就业充分的区域拿到更低门槛，与计划初衷相反——所以这条路被堵上了。\u003C\u002Fp>\u003Ch1>四、TEA 这一档，也没以前好拿\u003C\u002Fh1>\u003Cp>拟议 204.402 对高失业率 TEA 的口径写得更细：以项目主要经营所在普查区的加权平均失业率为准，须达到全国平均的 150%；如果单独不够，可以并入直接相邻的普查区，但合并后整个区域的加权平均仍要达到 150%。\u003C\u002Fp>\u003Cp>乡村区的定义也重述了一遍：不在任何 MSA 内，且不在人口 2 万以上城市或镇的外边界内。两个条件都要满足。\u003C\u002Fp>\u003Cp>这几条合起来意味着什么？过去那种"把几个普查区凑一凑、把失业率算下来"的做法，空间在收窄。项目地址不再是一个物流概念，而是一个定价概念。\u003C\u002Fp>\u003Ch1>五、2027 年 1 月 1 日之后，三档怎么联动\u003C\u002Fh1>\u003Cp>三档不是各调各的，而是以标准额为轴心联动：TEA 永远等于标准额的 75%，高就业区永远等于标准额的 133%。\u003C\u002Fp>\u003Cp>标准额本身按 CPI-U 调整，起算点是 2022 年 1 月，向下取整到 5 万美元。所以 2027 年 1 月 1 日那天，三档会一起变，具体数字要等联邦公报公布，官方暂未明确。这也是为什么"赶在 2027 年前递件"这句话本身不够——你得先知道自己的项目落在哪一档。\u003C\u002Fp>\u003Cp>顺带说一句优先日。拟议 204.406 把规则写得很明确：优先日是完整签署的申请按规定正确递交之日；一个人有多份 EB-5 申请时，取最早的那个合格优先日；待审或已批准的申请依 204.410 修正时，原优先日继续有效；优先日不能转让给别人。对排期中的家庭来说，这一条比投资额更值得盯住。\u003C\u002Fp>\u003Ch1>六、辟谣三条\u003C\u002Fh1>\u003Cp>\u003Cstrong>说法一："80 万美元哪个项目都能用。"\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>不成立。80 万只对应 TEA 或基建项目，而且 TEA 要按普查区口径认定。落在高就业区的项目，拟议价格是 140 万。\u003C\u002Fp>\u003Cp>\u003Cstrong>说法二："高就业区下个月就涨到 140 万。"\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>目前还是拟议。条文写的是最终规则公布后 60 天起适用，最终规则没出，这个日期就不存在。任何"确切生效日"的说法都缺依据。\u003C\u002Fp>\u003Cp>\u003Cstrong>说法三："看城市大小就知道贵不贵。"\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>定价看的是项目所在普查区的失业率，不是城市名气。同一个都市圈里，隔几条街的两个项目，可能一个 80 万、一个 140 万。\u003C\u002Fp>\u003Ch1>七、踩坑：四件事现在就能核\u003C\u002Fh1>\u003Cp>\u003Cstrong>坑一：资金溯源按 80 万的规模准备，项目却落在 140 万那一档。\u003C\u002Fstrong>多出来的 60 万美元同样要说明合法来源，赠与、抵押、经营所得的证据链要重新搭。资金方案最好在定项目之前就做，而不是签完合同再补。\u003C\u002Fp>\u003Cp>\u003Cstrong>坑二：期房项目地址没定，TEA 认定就是悬的。\u003C\u002Fstrong>项目公司注册地、实际经营地、建设地可能不在同一个普查区。认定看的是"主要经营"所在地，这一点要在项目文件里写清楚，不能靠口头承诺。\u003C\u002Fp>\u003Cp>\u003Cstrong>坑三：把年审当形式，忽略了经营地信息。\u003C\u002Fstrong>区域中心的年度报表要反映项目经营情况，地址、经营状态有变动而不申报，将来核对时说不清，影响的不只是项目方。\u003C\u002Fp>\u003Cp>\u003Cstrong>坑四：把 2027 年当成唯一窗口。\u003C\u002Fstrong>2027 年 1 月 1 日是 CPI 联动调整的节点，按递件日计算，不是签约日、也不是汇款日。而高就业区这一档的生效节点是"最终规则后 60 天"，两个时间轴完全不同，别混着算。\u003C\u002Fp>\u003Ch1>八、Q&A\u003C\u002Fh1>\u003Cp>\u003Cstrong>Q：TEA 由谁认定？我能自己查吗？\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A：由 USCIS 按拟议 204.402 的口径认定，依据的是普查区失业率数据。投资人可以自己做的，是拿到项目地址后核对所属普查区、核对当地失业率与全国平均的比值——这是尽调里最基础的一步。\u003C\u002Fp>\u003Cp>\u003Cstrong>Q：同一个项目，会不会有人按 80 万、有人按 105 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