【正文】 vice at least 30 days during the 12 months after purchase or the first 12,000 miles車子的問題經(jīng)過30天以上無法解決，或是購買車後 12個月內(nèi)或是行駛里程數(shù) 12,000公里內(nèi) 14 Prentice Hall Inc. Comparing Options for Housing住宅的選擇 Houses – typically singlefamily, freestanding dwellings房屋 ─典型的單一家庭或獨棟住宅 Cooperatives – multiunit 合作公寓 ─複合式或單一住宅 Condominiums – multiunit dwellings共同管轄 ─複合式或單一住宅 Planned unit developments (PUDs) – planned with mon land單位計劃開發(fā) ─共同的土地共同分擔(dān)開發(fā)計畫 Apartments and other housing – multiunit dwellings公寓和其他住宅 ─複合式或單一住宅 15 Prentice Hall Inc. Housing Options:房屋的選擇 Houses房屋 Advantages:優(yōu)點 ? More space 更多的空間 ? Greater privacy較好的隱私權(quán) ? Builds equity建物的公共設(shè)施 Disadvantages:缺點 ? Maintenance time and costs維修費時且費成本 ? Repair costs修理成本 ? Resale hassles在銷售時的困擾 16 Prentice Hall Inc. Housing Options:房屋的選擇 `Cooperatives合作公寓 Corporateowned dwellings in which the residents, as shareholders, own stock representative of the value of their unit. Monthly homeowner’s 有的公寓或是社區(qū)公寓，居住者就是這家公司的股東，每個月須支付房屋擁有費 Advantages:優(yōu)點 ? Low maintenance低維修費 ? More amenities更多的公共設(shè)施 ? Higher security安全性高 Disadvantages:缺點 ? Lower capital appreciation 較 低的增值利益 ? Difficult to sell較不易出售 ? Less privacy較少的私人空間 ? Harder to finance較難融資 17 Prentice Hall Inc. Housing Options:房屋的選擇 18 Prentice Hall Inc. Condominiums共同管轄 Residents have sole ownership of the living space but joint ownership of the land and mon areas. Monthly maintenance ，但是是共同持有土地與公共設(shè)施。每月支付維修費用 Advantages:優(yōu)點 ? Low maintenance維修費用低 ? More amenities更多的福利設(shè)施 ? Higher security較高的安全性 Disadvantages:缺點 ? Lower capital appreciation 較 低的增值利益 ? Difficult to sell較不易出售 ? Less privacy較低的隱私性 19 Prentice Hall Inc. Housing Options: 房屋的選擇 Planned Unit Developments (PUDs) 單位計劃開發(fā) Own home and land it sits on as well as shared ownership of the development 擁有土地與房屋但須與你的鄰居共同分擔(dān)開發(fā)費用 Monthly homeowner’s fee for maintenance and mon expenses每月分擔(dān)共同擁有費以負(fù)擔(dān)管理及維修 Most popular on West Coast在西岸為最受歡迎的方式 20 Prentice Hall Inc. Housing Options: 房屋的選擇 Apartments and Other Housing公寓和其他的住宅 Advantages:優(yōu)點 ? Lower cost成本較低 ? Ease of moving (no house to sell)容易搬遷 (不須出售房屋 ) ? Little upkeep些微的保養(yǎng)維護(hù) Disadvantages:缺點 ? Limited remodeling ability重新改造權(quán)利受限制 ? Limited lifestyle choices (., pet)生活型態(tài)較受限制，例如 :養(yǎng)寵物 ? Less privacy隱私較少 [ 21 Prentice Hall Inc. Addressing Your Housing Needs 處理你的房屋需求 Housing Step 1: Homework步驟一：家庭作業(yè) Housing Step 2: Selection步驟二：選擇 Housing Step 3: Making the purchase步驟三：購買 Housing Step 4: Postpurchase activities步驟四：購買後的行動 22 Prentice Hall Inc. Housing Step 1:購買房屋的第一步驟 Homework家庭作業(yè) Compare your needs versus wants for 較你對房屋的需要與想要 Compare your options for housing and the costs of Weigh your alternatives of renting versus buying.衡量租屋或購屋對你的影響 23 Prentice Hall Inc. Housing Step 1: 購買房屋的第一步驟 Homework (cont’d)家庭作業(yè) (續(xù) ) Determine what’s most affordable:計算何者是你所負(fù)擔(dān)得起 ? Lending standards: 借款標(biāo)準(zhǔn) ? Your financial history你的財務(wù)背景 ? Your ability to pay你的付款能力 ? The appraised value of the home 房 屋的估計價值 ? Maximum mortgage最大的抵押借款 ? The down payment自備款 ? Prequalifying 事先瞭解自己可否夠格 24 Prentice Hall Inc. Comparing Needs Versus Wants比較需要與想要 Decide on the fundamentals such as bathrooms, bedrooms, and closet 、臥室及櫥櫃的大小空間 Decide on property Compare other considerations like school systems, proximity to shopping centers, or 的條件，例如學(xué)校、鄰近購物中心或是安全性 Consider the future – such as additional family ─像是新添一位家庭成員 25 Prentice Hall Inc. Costs of Housing: 購屋成本 What’s Involved in Ownership Onetime or initial costs單次成本 Recurring costs重複發(fā)生成本 Maintenance and operating costs維修使用成本 26 Prentice Hall Inc. Costs of Housing: 購屋成本 OneTime or Initial Costs單次成本 Down payment自備款 Closing or settlement costs:過戶移轉(zhuǎn)費 ? Discount points 借款點數(shù) ? Loan origination fees借款審查費 ? Loan ap