400-687-5676
关注微信
新浪微博
英语学习资料
英语口语学习方法和资料
综合英语学习资料
免费外教英语1:1
  英语口语测试
只需10分钟,赶快来英语口语测试一下!
此次体验及通话免费,
恩京英语不额外收取电话费
教你怎样与外教顺畅沟通
200%运用方法
客服热线
400-687-5676
热线时间:(法定假期除外)
周一 至 周五 8:00 — 21:00
周   六      8:30 — 17:30
英语口语练习
当前位置:首页 > 英语学习资料  > 英语口语练习  > 英语口语练习 > 英语会话 房价

英语口语练习热门关键字

怎样学英语在这里让您的英语口语和英语会话和听力突飞猛进

英语口语练习

怎样学英语在这里让您的英语口语和英语会话和听力突飞猛进

英语会话 房价

2012-2-3 9:42:13 版主

英语会话    房价

housing price 房价

Financing is the key to most real estate transactions , so if you are buying real estate for your personal use , consumer credit considerations are of paramount importance . Unlike the standard stock leveraging scheme , where the debt is capped at 50 percent of the principal value of the transaction , the standard debt-to-asset ratio in real estate or what the banks call the loan-to-value ratio , is 80 percent ,with a 20 percent down payment . In such an instance , the lender looks as much to the credit of the borrower as to the value of the property , to be sure of repayment . Hence , your record of payment of other debts , or lack thereof , will be a critical factor in whether or not you get credit for a home purchase . Other factors that come into play are your overall financial picture . If you have large amounts of other assets such as stocks , that will help . Retirement assets such as individual retirement accounts (IRAs) cannot be used to secure loans , but even they may indirectly count in a borrower’s favor as evidence of astuteness .

  If you are buying property for rental as a business , then more businesslike considerations apply . The bank will still want to evaluate loan-to-value and income-to-debt service ratios , but may give lesser weight to your personal financial situation . Your past business experience , either in real estate or in other areas , will be taken into account , as will your business credit record . In unusual cases , the lender may require you to sign for loans personally , in which case your personal financial situation will matter . There are several types of lenders . The most common one is a financial institution such as a bank or a savings and loan . A second is government agencies such as Veteran’s Administration or the Federal Housing Authority . The third source of financing is owner financing .

  对于大多数房地产交易来说,关键在于资金问题的解决。一旦你决定买房,重中之重便是考虑消费品信用贷款。与标准存量中要求债务上限为交易本金的50%的平衡计划不同,在房市中,标准负债与资产比率(银行称之为贷款与价值比率)可达80%,只需20%的预付定金。在这种情况下,贷方把借方的信誉和资产看得同样考试&大重要,以确保借方有能力偿还债务。所以,你的其它债务的还款记录(或者记录缺失)将会成为致命因素,直接影响你能否获得购房信贷。当然,还有一些因素在起着作用,它们也会影响你的整个筹资计划。你如果有大量的诸如股票之类的另类资产的话,这会对你的信贷非常有利。个人退休金帐户之类的退休资产虽然不能用来做贷款担保,可即便如此,它们却会证明你很精明,并因此而博得贷方的好感。

  如果你购房是为了商业经营,那你就需要一步步深思熟虑。银行仍然会对你的贷款与价值和工资与债务的偿还比率进行评估,但可能会低估你的个人财务状况。你的商业信贷记录也会被纳入评估的考虑范围,以往的经营经验(房地产或是其它领域)也会被予以考虑。特殊情况下,贷方可能要求本人亲自签收贷款,此时,你的个人财务状况就会与此挂钩。贷方分为好多种。最常见的就是银行和信用合作社等金融机构。第二种就是退伍军人管理局和联邦房屋管理局的政府机构。第三种资金来源就是业主融资

英语会话    房价


免费外教一对一英语口语测试

恩京口语学习方法more

填写个人信息,领取免费体验课

点击选择免费体验时间

我选择的上课时间是

请选择

补全信息,匹配最适合您的老师,进行试听体验

中小学生高中生大学生
在职工作公务员其他
零基础初级中级高级
纯英语外教双语中教
旅行 交通 体育
电影 职业 自由交谈

*点击可查看对应的话题资料

  • 立即领取免费体验课
  • 今日仅剩
    78个名额
在线客服
热线电话
 400-687-5676

微信公众账号
400-687-5676 (法定假期除外)
周一 至 周五 8:00 AM - 21:00 PM 周六 8:30 AM - 17:30 PM