【文章內(nèi)容簡介】 plication fee 借款申辦費 ? Appraisal fee估價費 ? Other fees and costs其他費用及成本 27 Prentice Hall Inc. Costs of Housing: 購屋成本 Recurring Costs重複發(fā)稱成本 Monthly mortgage payments (PITI)抵押借款月付額 Maintenance and operating expenses 維修使用成本費用 28 Prentice Hall Inc. Costs of Housing: 購屋成本 Monthly Mortgage Payments (PITI)抵押借款月付額 Principal – what you borrowed 本金 ─你所借支的 Interest – the cost of borrowing,利息 ─借支的成本 Taxes – support of government稅 ─政府課徵 Insurance – protection of your dwelling and contents保險 ─保護(hù)你的居所與在內(nèi)所有的財產(chǎn) Note: T I are held in an escrow ： T I 是種待條件完成後才能生效的帳戶 29 Prentice Hall Inc. Costs of Housing: 房屋的成本 Maintenance and Operating Costs維修及使用成本 Repairs to the structure結(jié)構(gòu)體的維修 Replacing an appliance設(shè)備維修 Landscaping庭院維修 30 Prentice Hall Inc. Weighing the Alternatives of Renting Versus Buying租屋與購屋的比較 Personal and lifestyle considerations個人及生活型態(tài)的考量 Financial considerations:財務(wù)面的考量 ? Appreciation with time房價、租金漲價的考量 ? Tax considerations稅金考量 31 Prentice Hall Inc. Advantages of Renting租屋的優(yōu)點 Mobility具機(jī)動性 No down payment無自備款 Can be less expensive僅付租金費用較節(jié)省 Protection from declining housing values免於陷入房屋跌價的風(fēng)險 More extensive amenities更寬廣的福利設(shè)施 No home repair or maintenance無房屋修理或維修費用 No groundskeeping responsibilities無管理的責(zé)任 No property taxes無財產(chǎn)稅 32 Prentice Hall Inc. Advantages of Buying購屋的優(yōu)點 Build equity in your home累積你房屋的淨(jìng)值 Allows for capital appreciation房屋價值可能上漲 Greater personal freedom更多個人品味的自有 Tax advantages課稅時的優(yōu)惠 Protection from rising rent costs免於房租漲價的風(fēng)險 Potential source of cash with home equity loan當(dāng)需要借款時房屋是潛在的借款來源 33 Prentice Hall Inc. Determining What’s Affordable: Lending Standards計算可支應(yīng)的金額：借支的標(biāo)準(zhǔn) 34 Prentice Hall Inc. history:財務(wù)背景 ? Ine stability收入穩(wěn)定性 ? Credit history信用背景 2. Ability to pay:償付能力 ? Housing cost ratio at a maximum of 28% of gross ine房屋成本的比例最多佔毛收入的 28% ? Housing and other longterm debt ratio at a maximum of 36% of gross ine房屋及其他長期負(fù)債最多佔毛收入的 36% 3. Appraised home value估計房屋價值 35 Prentice Hall Inc. Determining What’s Affordable: Other Factors計算可支應(yīng)的金額：其他因素 Calculation of your mortgage limit:計算你的抵押限額 ? 28% rule (frontend ratio)28%原則 ? 36% rule (backend ratio)36%原則 ? 80% rule (homeequity rule)80%原則 (房屋權(quán)益原則 ) Prequalification, or knowing for sure what is affordable事先了解何者是可供應(yīng)得起 36 Prentice Hall Inc. Determining What’s Affordable: Other Factors (cont’d)記算可支應(yīng)的金額：其他因素 ( 續(xù) ) Accumulation of a down payment:計算自備款 ? Down payment sources and “gift letters” 自備款來源及 ? FHA, VA, and FmHA federallybacked loans require a lower down payment FHA聯(lián)邦住宅管理局貸款 ,VA退伍軍人部門住宅貸款 ,與 FmHA 農(nóng)民住宅管理局貸款屬聯(lián)邦貸款，要求較低的自備款 ? Private mortgage insurance (PMI)私人抵押保險 ? IRA loan of up to $10,000 for firsttime homebuyer首次購屋貸款者允許由 IRA中提取 $10,000來購屋 37 Prentice Hall Inc. Housing Step 2: 購屋 步驟二： Selection選擇 The search process:選擇的步驟 ? Use a traditional real estate agent 選擇傳統(tǒng)不動產(chǎn)代理商 ? Use an independent or exclusive buyerbroker選擇獨立的買方經(jīng)紀(jì)人 ? Use the Inter to learn about buying a home運用網(wǎng)路尋找相關(guān)購屋資訊 The inspection process:檢驗的步驟 ? Structural結(jié)構(gòu) ? Mechanical機(jī)械 38 Prentice Hall Inc. Housing Step 3: 購屋 步驟三： Making the Purchase購買 Guidelines for renting 租屋的方針 Negotiating a sales price議價 Signing the sales contract簽約 Financing the purchase – the mortgage融資 ─抵押 39 Prentice Hall Inc. Guidelines for Renting租屋的方針 Determine what you can 起多少 Compare the location with shopping, employment, and 、生活機(jī)能與學(xué)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(yuǎn)無法碰見賣方，因為不動產(chǎn)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