47 Which of the following is NOT a piece of advice given in the passage?
(A) Don’t use the emergency fund to get a loan.
(B) Renting instead of buying could be a possible option.
(C) It is important to save more money for the down payment.
(D) Building up a good credit score is a long-term commitment.

以下哪一項不是文章中給出的建議？
(A) 不要使用應急基金來獲得貸款。
(B) 租賃而不是購買可能是一種可能的選擇。
(C) 為首付存更多錢很重要。
(D) 建立良好的信用評分是一項長期承諾。

(A) 不要使用應急基金來獲得貸款。

(B) 出租而不是購買可能是一種可能的選擇。

(C) 為首付存更多錢很重要。

(D) 建立良好的信用評分是一項長期承諾。

房子是一個人可以購買的最重要的東西，所以不用說，你需要非常小心地對待它。除非你是少數不依賴銀行就能買得起房子的幸運兒之一，否則你需要申請抵押貸款——這本身就是一種冒險。抵押貸款是長期融資選擇，將對您的未來產生巨大影響，您需要仔細權衡您的選擇。駕馭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：

        有時，租房比買更有意義。

        抵押貸款是一項長期承諾，它將影響您未來幾年的儲蓄和花錢方式。除非您對按月分期付款完全滿意，否則如果您只是租用房產會更安全。當您還沒有達到足夠高的財務獨立程度時，租房是一個實用的解決方案。

       不要依賴您的應急基金來獲得抵押貸款。

       當房地產市場競爭激烈時，首次購房者通常會急於使用緊急資金作為首付進行購買。但是，這可能是一個巨大的錯誤，從長遠來看可能會影響您的財務安全。應急基金僅用於緊急情況。如果您沒有主要收入來源，當然可以使用它，否則，它應該保持不變。

        存款與信用評分一樣重要。

        您可能聽過年長的家庭成員的故事，他們無需首付就購買了一流的房屋。不幸的是，市場已經發生變化，審批條件不像以前那樣靈活。要購買夢想中的房子，您不僅需要良好的信用評分，還需要花費數年時間積累首付。許多首次購房者在達到最低首付後就停止了，但是，如果您儲蓄更多並且再等一年，你可以藉到更好的利率。

A home is the most important purchase a person can make, so it goes without saying that you need to approach it very carefully. 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. Mortgages are long-term financing options that will have a massive impact on your future and you need to weigh your options carefully. Navigating the mortgage market can be quite challenging, especially as a first-time home-buyer, so follow these tips to make your journey easier:
        Sometimes, renting makes more sense than buying.
        A mortgage is a long-term commitment and it will influence the way you save and spend money for years to come. Unless you’re completely comfortable with paying monthly installments, it’s safer if you simply rent a property. Renting is a practical solution when you haven’t achieved a high enough degree of financial independence.
       Don’t rely on your emergency fund to get a mortgage.
       When the housing market is very competitive, first-time buyers often rush into making a purchase using their emergency funds as a down payment. 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. If you are left without your main source of income,you can use it, of course, but otherwise, it should be left untouched.
        The deposit matters just as much as the credit score.
        You’ve probably heard stories from senior family members who bought superb homes with no down payments.Unfortunately, the market has changed and approval conditions aren’t as flexible as they used to be. 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.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.