金融房地產(chǎn)詞匯

A bank will look at the borrower’s income relative to the proposed debt service payments . The rule of thumb during the middle of the twentieth century was that a mortgage should not be more than two and a half times income . A more current rule of thumb was that mortgage payments should not be more than 28 percent of income , and total debt service payments should not be more than 34 percent of income . In recent years , the latter ratio has been relaxed to as much as 40 percent , a financial stretch . A borrower can even apply for a loan with no income verification . Typically , however , the bank requires a large-than –usual down payment 25 to 35 percent or more , and a clean credit record .

　　Somewhat different requirements apply for a government loan . For instance , the Veteran’s Administration will make loans to war veterans at low interest rates . Other government agencies target other constituencies such as low-income housing . If you have a good record of running multi-family houses , you may qualify for government loans for the development and management of low-income units . In such cases , your ability to get the loan is contingent on your meeting the particular politically requirements . Also , government loans are more likely to have onerous terms such as prepayment penalties .

　　A third source of financing , if you find the right seller and are persuasive enough , is owner financing . A mortgage is nothing more than an IOU in which a buyer agrees to pay a lender the value of the house over a period of time . It is really a way of borrowing money using the house as collateral. The borrower issues a mortgage , and is known as a mortgage , while the lender is known as the mortgage . In this particular instance , the seller is also the lender of the last resort . Occasionally , there will be home advertisements in the newspaper that say OWC , or owner will carry .

　　針對預(yù)定的債務(wù)償還量，銀行還會了解借方的收入情況。20世紀(jì)中期單純經(jīng)驗(yàn)的方法就是抵押最多為工資的二點(diǎn)五倍。更為流行的單純經(jīng)驗(yàn)方法就是抵押貸款月供最多為月薪的28%，總償債支付款最多為還款期間工資總額的34%。在最近幾年，后者已經(jīng)達(dá)到了40%，這就是金融延伸。借方甚至沒有收入證明也可以申請貸款，可盡管如此，銀行卻會特別要求一筆25-35%甚至更多的巨額首付和一個(gè)無污點(diǎn)的信貸記錄。

　　申請政府貸款要求多少會有些不同。例如，退伍軍人管理局會給予曾經(jīng)參戰(zhàn)的退伍軍人低息貸款。其它政府機(jī)構(gòu)提供的是一些贊助服務(wù)，比如對那些低收入家庭。如果你具有一個(gè)經(jīng)營多戶住宅的良好記錄，你就可以獲得政府貸款以對低收入住宅進(jìn)行開發(fā)管理。在這些情況之下，你能否獲得貸款取決于你能否遇到政治上的特殊需要。當(dāng)然，政府貸款更可能包括一些繁苛的條款，比如說提前預(yù)付罰金。

　　第三種資金來源為業(yè)主融資，即通過你的能力，自己發(fā)現(xiàn)和說服賣家。其實(shí)抵押就是借據(jù)，通過這個(gè)借據(jù)，買方同意在一定的時(shí)間范圍內(nèi)償還房價(jià)借款，說到底只是貸款買房方式的一個(gè)擔(dān)保。借方提供了抵押，并將其作為抵押，而且貸方也認(rèn)可了這個(gè)抵押。在這個(gè)特例中，賣方其實(shí)就是最后貸方。偶爾，新聞上刊登一些房屋廣告會提到“業(yè)主負(fù)責(zé)還款”。