【正文】 ng租屋的方針 Determine what you can 起多少 Compare the location with shopping, employment, and 、生活機能與學校 Understand the Get every detail in Research the reliability of the 信賴度 Acquire renter’s 40 Prentice Hall Inc. Negotiating a Sales Price議價 Always haggle on the actual purchase price and Include all Consider closing Offer earnest Note: You may never see the seller because often the real estate agents carry the offers between ：你可能永遠無法碰見賣方，因為不動產房屋代理人在雙方出面時是扮演賣方角色 41 Prentice Hall Inc. Signing the Sales Contract簽合約 Always have a fixed price 載 明固定的價格 Do a title 書面為之 Perform a pest or other 其他必要的檢測 Make the contract contingent on receiving the proper 融資或有條款應包含在其中 42 Prentice Hall Inc. Signing the Contract (cont’d)簽合約 (續(xù) ) Divide the utilities, insurance, taxes, and interest equitably with the 屬的設備、保險、稅及利息 Stipulate the condition of the dwelling upon ，房屋需維持一定的現狀 Include all other contingencies that may interfere with a satisfactory 都須載明在合約書中 43 Prentice Hall Inc. Financing the Purchase融資購買 Shop for the lowest interest Determine where you want to 何處借款 Determine the length of the 限 Choose the type of Note: Make sure you understand every aspect of the mortgage before you sign. This could be your largest purchase ：在簽署任何文件時，確定你已明瞭任何狀況，這可能是你這輩子最大的一筆消費 44 Prentice Hall Inc. Sources of Mortgages抵押借款的來源 Mortgage bankers抵押借款銀行 Mortgage brokers抵押借款經紀人 45 Prentice Hall Inc. Conventional or GovernmentBacked?傳統(tǒng)抵押借款或是政府保證抵押借款 Conventional傳統(tǒng) Veteran’s Administration (VA) mortgages退伍軍人管理局抵押借款 Federal Housing Administration (FHA) mortgages聯(lián)邦住宅管理局抵押借款 46 Prentice Hall Inc. GovernmentBacked Mortgages政府保證抵押借款 Advantages:優(yōu)點 ? Lower interest低利率 ? Smaller down payment requirement自備款要求較低 ? Less strict lending standards較小範圍的財務要求條件 Disadvantages:缺點 ? More paperwork to qualify紙上作業(yè)過於繁瑣 ? Higher closing costs尾款相當高 ? Maximum lending limits借款的限額較受限制 47 Prentice Hall Inc. Types of Mortgages抵押借款的種類 Fixedrate mortgage loans固定利率抵押借款 Adjustablerate mortgage (ARM) loans機動利率抵押借款 Other mortgage loan options其他抵押借款的選擇 48 Prentice Hall Inc. FixedRate Mortgage Loans固定利率抵押借款 Assumable loans – allow for transfer of the mortgage with the home承接借款 ─允許被轉讓給新買主 Prepayment privilege – allows the payee to increase the monthly payment without a fee預先清償權利 ─允許借款人可提早償還不需任何費用 49 Prentice Hall Inc. AdjustableRate Mortgage (ARM) Loans機動利率抵押借款 Initial rate – the first rate on the mortgage, usually shortterm期初利率 ─抵押借款開始時的利率，通常只使用短期 Interest rate index – determines annual rate adjustment利率指標 ─決定年利率的調整 Margin – the difference between the index rate and the quoted rate利差 ─報價利率超過利率指標的部份 Adjustment interval – the length of time between adjustments調整期間 ─即 ARM利率的調整期間長短 50 Prentice Hall Inc. AdjustableRate Mortgage (ARM) Loans (cont’d)機動利率抵押借款 (續(xù) ) Rate cap – the maximum rate increase allowed either per year or over the life of the loan利率上限 ─限制在抵押借款每年或借款期間所允許可調整的最高利率 Payment cap – the maximum allowable payment amount. Normally not a desired feature due to the risk of negative ─對你每月付款金額的調整金額做ㄧ最高限制 51 Prentice Hall Inc. ARM Innovations機動利率抵押借款新制 Convertible可轉換 Reductionoption減額選擇 Twostep兩階段式 Price level adjusted價格水準調整 52 Prentice Hall Inc. Other Mortgage Loan Options 其他抵押借款的選擇 Balloon payment mortgage期末還清抵押借款 Graduated payment mortgage累進式付款抵押借款 Growing equity mortgage權益成長抵押借款 Shared appreciation mortgage升值共享抵押借款 53 Prentice Hall Inc. AdjustableRate Versus FixedRate Mortgages機動利率抵押借款與固定利率抵押借款 Fixedrate issues to consider:使用固定利率需考慮 ? Fixed payments固定的付款額 ? Lower interest rate risk低利率風險 ? No risk of negative amortization無負攤銷的風險 Adjustablerate issues to consider:使用變動利率需考慮 ? Lower initial interest rate期初利率較低 ? May qualify for a larger loan due to lower monthly payments因月付額較低，可考慮較大額的借款 ? With rising rates, rising payments利率與月付額