阿摩線上測驗
46 What is the best title for this passage?
(A) Importance of Tenancy Deposit.
(B) Choices of Mortgage Interest Rates.
(C) Tips for First-time Home Buyers.
(D) Timing for Using Emergency Fund.
答案：登入後查看
統計： A(87), B(127), C(577), D(39), E(0) #2772256
統計： A(87), B(127), C(577), D(39), E(0) #2772256
詳解 (共 9 筆)
fuji7463_108初等錄取
#5130307
第1段
purchase 購買 = buy
approach 處理 = to deal with something
rely on 依靠 = to need the help of someone or something
mortgage 抵押借款，即用房子向銀行長期借款，期間長，如20-30年，金額大，如借300萬。
adventure 冒險，嘗試去做一件有危險 , 不安全的事，如果你去跟銀行借600萬，你每天喝珍奶的錢就要省下來了 ! 如果你沒有每個月還銀行錢，你的房子就會被銀行拍賣抵你的帳 。
loan 貸款，借錢，向銀行借錢
finance 資金 , 財務 = money
option 選項，選擇，從很多種作法之中，挑出一個
massive 大量的
weigh 仔細考慮，權衡 = to carefully consider , especially by comparing facts or possibilities , in order to make a decision 在做一個決定時，仔細考慮，並比較
第2段
make sense (計畫) 可行
第3段
installment 分期付款，一期一期分次付款
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戶政已經上榜！
#5431546
A home is the most important purchase a person can make, so it goes without saying that you need to approach it very carefully.
房屋是一個人做的最重要的買賣，所以你必須很小心的對待他。
Unless you’re one of the lucky few who can afford to buy a house without relying on a bank, you’ll need to make a mortgage loan — and that’s an adventure in itself.
除非你是少數幾個有能力在不依賴銀行的情況下買房的幸運兒之一，否則你需要抵押貸款 — 這本身就是一次冒險。
Mortgages are long-term financing options that will have a massive impact on your future and you need to weigh your options carefully.
抵押貸款是長期融資選擇，將對您的未來產生巨大影響，您需要仔細考慮您的選擇。
Navigating the mortgage market can be quite challenging, especially as a first-time home-buyer, so follow these tips to make your journey easier:
進入抵押貸款市場可能非常具有挑戰性，特別是作為首次購房者，因此請遵循以下提示，讓您的旅程更輕鬆：
Sometimes, renting makes more sense than buying.
有時，租房比買房更有意義。
A mortgage is a long-term commitment and it will influence the way you save and spend money for years to come.
抵押貸款是一項長期承諾，它將影響您多年來儲蓄和花錢的方式。
Unless you’re completely comfortable with paying monthly installments, it’s safer if you simply rent a property.
除非您完全可以負擔每月分期付款，否則租房對你更安全。
Renting is a practical solution when you haven’t achieved a high enough degree of financial independence.
當您沒有達到足夠高的經濟獨立度時，租房是一個實用的解決方案。
Don’t rely on your emergency fund to get a mortgage.
不要依靠您的應急基金來獲得抵押貸款。
When the housing market is very competitive, first-time buyers often rush into making a purchase using their emergency funds as a down payment. 當房地產市場競爭非常激烈時，首次購房者通常會急於使用緊急資金作為頭期款進行購買。
However, that can be a huge mistake and it might affect your financial security in the long run.The emergency fund is for just emergencies.
但是，這可能是一個巨大的錯誤，從長遠來看，它可能會影響您的財務安全。If you are left without your main source of income, you can use it, of course, but otherwise, it should be left untouched.
如果你沒有主要的收入來源，你當然可以使用它，否則，它應該保持不變。
The deposit matters just as much as the credit score.
存款與信用評分一樣重要。
You’ve probably heard stories from senior family members who bought superb homes with no down payments.
您可能聽較年長家庭成員說過，他們購買了沒有首付的優質房屋。 Unfortunately, the market has changed and approval conditions aren’t as flexible as they used to be.
不幸的是，市場已經發生了變化，審批條件也不像以前那樣靈活。
To buy your dream home, not only do you need a good credit score, but you also need to spend years building up your deposit.
要購買您的夢想家園，您不僅需要良好的信用評分，還需要花費數年時間積累存款。
Many first-time buyers stop after reaching the minimum amount for the deposit, but, if you save more and wait an additional year, you can borrow at a better interest rate.
許多首次購房者在達到最低存款金額後會停止，但是，如果您儲蓄更多並等待一年，則可以以更好的利率借款。
46 What is the best title for this passage?
(A) Importance of Tenancy Deposit. 租賃押金的重要性。
(B) Choices of Mortgage Interest Rates. 抵押貸款利率的選擇。
(C) Tips for First-time Home Buyers. 給首次購房者的提示。
(D) Timing for Using Emergency Fund. 使用應急基金的時間。
12
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鄧豆子
#5287040
mortgage loan=抵押貸款
deposit=存款
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