获取验证码 免费领取外教体验课
  • 已经是恩京会员?立即登录

    登录|login

    还不是恩京会员?立即注册

    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 房贷

    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


    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
      53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