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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

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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 房贷

2012-2-3 9:43:08 版主

英语会话   房贷

A bank will look at the borrower’s income relative to the proposed debt service payments . The rule of thumb during the middle of the twentieth century was that a mortgage should not be more than two and a half times income . A more current rule of thumb was that mortgage payments should not be more than 28 percent of income , and total debt service payments should not be more than 34 percent of income . In recent years , the latter ratio has been relaxed to as much as 40 percent , a financial stretch . A borrower can even apply for a loan with no income verification . Typically , however , the bank requires a large-than –usual down payment 25 to 35 percent or more , and a clean credit record .

  Somewhat different requirements apply for a government loan . For instance , the Veteran’s Administration will make loans to war veterans at low interest rates . Other government agencies target other constituencies such as low-income housing . If you have a good record of running multi-family houses , you may qualify for government loans for the development and management of low-income units . In such cases , your ability to get the loan is contingent on your meeting the particular politically requirements . Also , government loans are more likely to have onerous terms such as prepayment penalties .

  A third source of financing , if you find the right seller and are persuasive enough , is owner financing . A mortgage is nothing more than an IOU in which a buyer agrees to pay a lender the value of the house over a period of time . It is really a way of borrowing money using the house as collateral. The borrower issues a mortgage , and is known as a mortgage , while the lender is known as the mortgage . In this particular instance , the seller is also the lender of the last resort . Occasionally , there will be home advertisements in the newspaper that say OWC , or owner will carry .

  针对预定的债务偿还量,银行还会了解借方的收入情况。20世纪中期单纯经验的方法就是抵押最多为工资的二点五倍。更为流行的单纯经验方法就是抵押贷款月供最多为月薪的28%,总偿债支付款最多为还款期间工资总额的34%。在最近几年,后者已经达到了40%,这就是金融延伸。借方甚至没有收入证明也可以申请贷款,可尽管如此,银行却会特别要求一笔25-35%甚至更多的巨额首付和一个无污点的信贷记录。

  申请政府贷款要求多少会有些不同。例如,退伍军人管理局会给予曾经参战的退伍军人低息贷款。其它政府机构提供的是一些赞助服务,比如对那些低收入家庭。如果你具有一个经营多户住宅的良好记录,你就可以获得政府贷款以对低收入住宅进行开发管理。在这些情况之下,你能否获得贷款取决于你能否遇到政治上的特殊需要。当然,政府贷款更可能包括一些繁苛的条款,比如说提前预付罚金。

  第三种资金来源为业主融资,即通过你的能力,自己发现和说服卖家。其实抵押就是借据,通过这个借据,买方同意在一定的时间范围内偿还房价借款,说到底只是贷款买房方式的一个担保。借方提供了抵押,并将其作为抵押,而且贷方也认可了这个抵押。在这个特例中,卖方其实就是最后贷方。偶尔,新闻上刊登一些房屋广告会提到“业主负责还款”。

英语会话   房贷


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