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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

英语口语练习

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英语口语 房地产

2012-2-3 9:46:41 版主

英语口语  房地产

The real secret is to buy only in situations in which debt servicing costs are less than rental income minus expenses . Investors most often get into trouble in negative cash flow situations . A bankruptcy in real estate terms is known as a foreclosure . This is when the bank or other lender takes possession of the building because the buyer can’t meet payments for a period of time . Foreclosures are the closest thing to personal bankruptcy , and stay on a person’s credit record for seven years . (bankruptcy stays for ten .) A more amicable situation is one in which the owner hands title (as symbolized by the keys and deed ) to the property to the lender in lieu of foreclosure , but this also involves a seven-year record . One or more missed payments followed by a catch-up will not lead to foreclosure , but this information does damage a credit record for some years .

  To buy in a turnaround , the most promising situation is one in which the neighborhood and properties are already being improved by the current owners . It is good sign if developers are moving in . (But this is smart money . ) The largest profits are made just before the developer stage , when individuals are fixing up the property . The quality of the people is even more important than the quality of the buildings . A blue-collar neighborhood with stable incomes and families may be a better bet than one inhabited by young singles who move out every few years . Seattle , Washington , was a case in point when the aerospace industry laid off people .

  房地产的秘密就在于只有在这种情况下才可以购房,即债务偿还开销要低于扣除份额中日常开销之后的租金收入。投资者很容易陷入负向现金流动的困境之中。止赎是房地产破产中的著名条款。此即由于买方考试&大一定时期内负担不起还款,该房产便收归银行或其他贷方所有了。止赎权与个人破产的信用记录保留期限最为接近,要保留7年(破产为10年)。一个更为和睦的处境就是所有者将财产所有权(以钥匙和契约表征)交与贷方从而避免破产,可这也要在信用记录中保留7年。一个或多个忘还的款项随后补交之后虽然不会导致止赎,可却会在信用记录中保留多年。

  转型期购房,此时最有价值的投资就在那些已被现有业主开发的小区和物业。如果开发者进入,这就是一个好的标志。(可这获利甚微。)要想获得较大利益,就要在开发者进入之前动手,即人们开始解决物业之时。人的因素考试&大要比物的因素更为重要。有稳定收入及家庭的蓝领公寓与那些没几年就搬一次家的单身青年聚居区要更值得搏一把。对此,西雅图、华盛顿在航空和航天工业裁员时就是再恰当不过的例子了。

Before buying any property , you should get an engineering report , to make sure that the main systems work ; electric , gas , and water . There should not be any structural problems with these , the foundation , or the beams . There may be plenty of minor faults such as chipped paint , but there should be reflected in a lower selling price . You should welcome such defects because you can increase your profits by fixing them.

  The bank will do an appraisal , but it will be a cursory one . Instead of trying to pinpoint the exact value for your house , the bank appraiser will use the selling price as a starting point , and then test it for reasonableness . A good (well done , not necessarily favorable )appraisal will tell you what the market thinks of the house and why.

  Cash flow on real estate is pretty much discretionary , at least after the minimum debt service charges are paid off . You can reinvest it in the property to maintain or improve it , you can prepay your mortgage or you can spend it ,either on more real estate ,or on other items . A property can even be “ milked ” for short periods of time by deferring maintenance , but that is not a wise long-term strategy . Any way you slice it, cash flow is what ultimately drives the return on real estate . If cash flow after expenses and debt service is negative , the property is priced too high and likely to go down in value . For this reason , one should not think in terms of sacrificing cash flow for “appreciation .”

  Real estate should be bought for intrinsic(i.e., cash flow) rather than resale value . This is true of stocks, but particularly told in numerous places, most notably by John Paul Getty , of Florida swamp land in the 1920s; in which “ investors ” bought and sold binders, or contracts, on real estate ; with the intention of “flipping” them within a short time . When one skeptical investor asked the agent to show him the land ,which was under a swamp, the agent explained ,“ This real estate is for trading , not for owning .” When the craze is over , some hapless investor will be left with a worthless piece of property . An only slightly less insidious form of “real estate ” is one that is uneconomical , except for tax breaks . Then the investor is hostage to changes in the Tax Code .

  不管买什么房子,之前你都要拿到该房子的工程报告,以弄明白房子的电、水、和气等主要工作系统。房子的基础、大梁也不能有任何结构性问题。当然,一些小的瑕疵也是不可避免的,比如说油漆脱落,可这应该在价格上有所反应。对于这些缺陷,你应该感到高兴,因为通过修补你还能提高你的收益。

  银行会出一个评估报告,但却很粗略。银行评估师不会给你的房产定价,只是用卖价作为起点,然后用合理性进行检验。一个好的(做得好却未必有利的)评估报告将会告诉你市场对该房产的反映和市场为什么如此反应。

  房地产现金流的决定权相当之大,要求至少先支付最低的债务偿还的服务费用。你可以重新投资房地产,以便对其进行维持、改善;你也可以预交抵押贷款的定金,你也可以将其自行花掉(可考试*大用于其它房地产投资,也可用于房地产以外的项目);房地产的款项甚至可以通过推迟保养而暂为“挪用”,可这从长期来讲,却不是一个明智的策略。不管你如何分配,现金流回报最终都会受房地产的引导。如果现金流在扣除各种花销和债务之后为负,就是说房产的价格过高而趋向于跌价。基于此,就不要指望通过牺牲现金流来达到“涨价”的目的。

  买房与其用转售价格,不如用其固有(指现金流)价格。这适用于股票,因其较低的流动性,尤其适用于房地产。最著名的要数上世纪20年代佛罗里达沼泽地的约翰·保罗·格蒂,他的故事曾被考试*大多处引用。他提出,投资者带着短期弹压房地产的目的对其基料或合约进行买卖。当一位投资者怀疑的向代理人咨询其地皮为何在沼泽之上时,代理人解释道,“这里的房产只是为了买卖,不是为了拥有。”当狂热过去,一些倒霉的投资者将会剩下一块分文不值的地皮。这种唯一略显狡诈的“房地产”形式除了税额优惠以外,对购房者而言并无经济实惠可言。随之而来的就是这些投资者成了税法改革的人质。

英语口语  房地产


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