Financing Real Estate to Students
《职通商务英语》(第二版)听说教程教师用书1 第一册 Unit 6 教师用书
Unit 6 Housing Use the key terms, words and expressions for talking about housing. Engage in a series of communication activities concerning housing. Section I Lead-in This task provides listening practice for using the key words. 1. Play the recording the first time. Say, please fill in the blanks according to what you ’ve heard. 2. Play the recording a second time. Ask two pairs of students to write down their answers on the blackboard. 3. Check the answers. Directions: In this task, you will hear five statements. Each statement will be spokentwice. Listen carefully and supply the missing information.1. Location: 18th floor, Yinhua building, Y-I-N-H-U-A, Changsha, Hunan.2. Layout: 108 square meters with 3 bed-rooms, 1 living room, 2 baths, 1 kitchen, 1 dining room3. They say you should spend about 40% of your income on housing. That’s about $272.4. You’ll need about $30 or $40 a month for the utilities, including electricity, gas, and telephone.5. For more information: Real Estate Agent: Call Jesse Lee, J-E-S-S-E . TEACHINGSUGGESTIONSTAPE SCRIPTS AND ANSWERS OBJECTIVESSection II Background Information Task 1 Part A 1. Play the recording the first time . Ask the students to check if they know all the words and phrases. Ask them to circle those words or phrases that they don ’t know. 2. Play the recording a second time. Ask the students to find out the meanings of the words or phrases they don ’t know. They can do this by asking classmates or using a dictionary. 3. After the students have written down their new words, ask them to share their lists with other students. This can be done informally, in pairs, in small groups or in class. Part B This section provides speaking practice for using the technical terms provided. Task 1 Directions: Listen to and read after the recording. Take notes whilethe teacher is explaining the text.Real Estate IndustryReal estate is one of the basic means of livelihood; it is also a significant index of a country’s economic development and living standard.TEACHING SUGGESTIONSTAPE SCRIPTSAND ANSWERSWith the development of private property ownership, real estate has become a major area of business. Purchasing real estate requires a significant investment, and each parcel of land has unique characteristics, so the real estate industry has evolved into several distinct domains: Appraisal,Brokerages, Development, Property management, Real estate marketing, Real estate investing, Relocation services, Corporate Real Estate. 参考译文：房地产是最根本的生活资料之一,也是衡量一国经济和生活水平的重要标志。
房屋买卖合同(英文版)6篇
房屋买卖合同（英文版）6篇篇1Real Estate Purchase ContractThis Real Estate Purchase Contract (“Contract”) is entered into between [Seller’s Name], hereinafter referred to as “Seller”, and [Buyer’s Name], hereinafter referred to as “Buyer”, on this [Date].1. Property DescriptionThe Seller agrees to sell to the Buyer, and the Buyer agrees to buy from the Seller, the following real property located at [Address], including all improvements and fixtures attached to the property.2. Purchase PriceThe purchase price for the Property shall be [Amount] dollars ($[Amount]), to be paid as follows: [Down Payment] dollars ($[Down Payment]) upon signing of this Contract, with the balance of [Balance] dollars ($[Balance]) to be paid at closing.3. FinancingThe Buyer shall have [Number] days from the effective date of this Contract to secure financing for the purchase of the Property. If the Buyer is unable to secure financing within this timeframe, the Contract may be terminated and the Earnest Money deposited will be refunded to the Buyer.4. Closing DateThe closing of the sale shall take place on or before [Closing Date]. This date may be extended by mutual agreement of the Seller and Buyer in writing.5. InspectionsThe Buyer shall have the right to conduct inspections of the Property within [Number] days of the effective date of this Contract. The Seller agrees to provide access to the Property for inspections, and to make any necessary repairs requested by the Buyer.6. Title and SurveyThe Seller shall provide the Buyer with a title insurance policy showing clear title to the Property, and a current property survey showing the boundaries of the Property.7. DefaultIf either party fails to perform any of the terms of this Contract, the non-defaulting party may terminate the Contract and seek any available legal remedies.8. Entire AgreementThis Contract contains the entire agreement between the Seller and Buyer and supersedes any prior agreements or representations, written or oral.In witness whereof, the parties hereto have executed this Contract as of the date first above written.Seller: ________________________ Date: ___________Buyer: ________________________ Date: ___________This document serves as a binding agreement between the Seller and Buyer for the sale and purchase of the Property. Both parties are advised to seek legal counsel before signing this Contract.篇2Real Estate Purchase AgreementThis Real Estate Purchase Agreement (the “Agreement”) is entered into on this ____ day of __________, 2021 by and between:Seller: [Name of Seller]Address: [Seller's Address]Phone: [Seller's Phone Number]Buyer: [Name of Buyer]Address: [Buyer's Address]Phone: [Buyer's Phone Number]Property:The Seller agrees to sell, and the Buyer agrees to buy, the following property (the “Property”):Address: [Property Address]Legal Description: [Legal Description of the Property]Purchase Price: $__________.Payment:The Buyer shall pay the Purchase Price to the Seller in the following manner:- Earnest Money: The Buyer shall pay an earnest money deposit of $__________ upon the signing of this Agreement. Theearnest money shall be held in escrow by [Escrow Agent] until the closing of the sale.- Closing Payment: The Buyer shall pay the balance of the Purchase Price at the closing of the sale in the form of cash or certified funds.Closing:The closing of the sale shall take place on or before__________, 2021, at a time and location agreed upon by both parties. At the closing, the Seller shall deliver a Warranty Deed to the Buyer, transferring ownership of the Property.Contingencies:This Agreement is contingent upon the following conditions:- Financing Contingency: The Buyer shall have until __________, 2021 to secure financing for the purchase of the Property. If the Buyer is unable to secure financing by this date, the Agreement shall be terminated, and the earnest money shall be returned to the Buyer.- Inspection Contingency: The Buyer shall have the right to inspect the Property within __________ days of the signing of this Agreement. If the Buyer is not satisfied with the results of theinspection, the Buyer may terminate the Agreement, and the earnest money shall be returned to the Buyer.Additional Terms:- [Any additional terms agreed upon by the parties]This Agreement constitutes the entire agreement between the parties with respect to the sale of the Property and supersedes any prior agreements or understandings. This Agreement may only be amended in writing signed by both parties.Seller: __________________________ Date: __________Buyer: __________________________ Date: __________[Escrow Agent]: _______________________ Date: __________Accepted and agreed to as of the date first above written.篇3Real Estate Sales ContractThis Real Estate Sales Contract (the "Contract") is entered into this __ day of ________, 20__, by and between Seller, whose address is ______________________ (the "Seller"), and Buyer, whose address is ______________________ (the "Buyer").1. Property Description: The Seller agrees to sell and the Buyer agrees to purchase the following real property located at ______________________ (the "Property").2. Purchase Price: The purchase price for the Property shall be $______________.3. Deposit: Buyer shall deposit the sum of $______________ as earnest money within _____ business days after the execution of this Contract.4. Financing: Buyer shall use the following method of financing to purchase the Property: ______________________.5. Closing: The closing shall take place on or before______________________.6. Contingencies: This Contract is contingent upon the following conditions:a. Buyer obtaining satisfactory financing for the purchase of the Property.b. A satisfactory inspection of the Property by Buyer.c. Seller providing clear and marketable title to the Property.7. Closing Costs: Buyer and Seller shall bear their own closing costs, except that Seller shall be responsible for the following costs: ______________________.8. Representations and Warranties: Seller represents and warrants that Seller has good and marketable title to the Property and that the Property is free of all encumbrances.9. Inspection: Buyer shall have the right to inspect the Property at Buyer's expense within _____ days after the execution of this Contract.10. Default: In the event of default by either party, thenon-defaulting party shall have the right to seek all available remedies allowed by law.11. Entire Agreement: This Contract constitutes the entire agreement between the parties with respect to the purchase and sale of the Property and supersedes all prior agreements and understandings, whether written or oral.IN WITNESS WHEREOF, the parties have executed this Contract as of the date first above written.Seller: ______________________Buyer: ______________________This Real Estate Sales Contract is hereby accepted and agreed to by the undersigned:Date: ______________________Broker: ______________________This Contract is subject to the approval of Seller and Buyer and their respective attorneys. This Contract shall bind and benefit the parties and their respective heirs, successors, and assigns.[Signatures]Seller: ______________________Buyer: ______________________Date: ______________________篇4Real Estate Purchase AgreementThis Real Estate Purchase Agreement (hereinafter referred to as the “Agreement”) is entered into on this ___ day of _______, 20__, by and between:Seller: [Name of the Seller], with an address at [Address of the Seller]Buyer: [Name of the Buyer], with an address at [Address of the Buyer]The Seller agrees to sell and the Buyer agrees to purchase the property located at [Address of the Property], legally described as [Legal Description of the Property] (hereinafter referred to as the “Property”).1. Purchase Price:The total purchase price for the Property shall be __________ Dollars ($_______), payable as follows:a. Initial Deposit:The Buyer shall provide an initial deposit of __________ Dollars ($_______) upon signing of this Agreement as a sign of good faith.b. Additional Deposit:The Buyer shall provide an additional deposit of __________ Dollars ($_______) within _____ days of the Buyer’s acceptance of this Agreement.c. Final Payment:The remaining balance of __________ Dollars ($_______) shall be paid in full by the Buyer at the time of closing of this transaction.2. Closing:The closing shall take place on or before _______ at a mutually agreed-upon location.3. Seller’s Representations and Warranties:a. The Seller represents that they have good and marketable title to the Property and have the right to sell the Property.b. The Seller represents that there are no existing liens or encumbrances on the Property.c. The Seller represents that all taxes and assessments on the Property have been paid up to the closing date.4. Buyer’s Representations and Warranties:a. The Buyer represents that they have the financial means to complete the purchase of the Property.b. The Buyer represents that they have fully inspected the Property and are satisfied with its condition.5. Default:If either party fails to fulfill their obligations under this Agreement, the non-defaulting party shall have the right to seeklegal remedies, including but not limited to damages and specific performance.6. Governing Law:This Agreement shall be governed by the laws of the state of _______.In witness whereof, the parties have executed this Agreement as of the date first above written.Seller: _______________________Buyer: _______________________This Real Estate Purchase Agreement constitutes the entire agreement between the parties and supersedes any prior agreements or understandings, written or oral, relating to the Property. This Agreement may only be amended in writing signed by both parties.Signed and sealed this ____ day of _______, 20__.[Signatures of the Seller and Buyer][Printed Names of the Seller and Buyer]篇5House Sale ContractThis house sale contract is entered into [Date] by and between [Seller Name], hereinafter referred to as "Seller", and [Buyer Name], hereinafter referred to as "Buyer", for the sale of the property located at [Property Address].1. Purchase Price:Buyer agrees to purchase the property from Seller for the total purchase price of [Purchase Price] (the "Purchase Price"). The Purchase Price shall be paid as follows: [Details of Payment Schedule].2. Deposit:Buyer shall pay a deposit of [Deposit Amount] to the Seller upon signing this contract. The deposit shall be credited towards the Purchase Price.3. Inspection:Buyer shall have a period of [Inspection Period] days from the date of this contract to conduct inspections on the property. Seller agrees to provide reasonable access to the property during this inspection period.4. Financing:Buyer shall obtain financing for the Purchase Price by [Final Loan Approval Date]. If Buyer fails to obtain financing by this date, Seller may terminate the contract and retain the deposit.5. Closing:The closing of the sale shall take place on or before [Closing Date]. Buyer and Seller shall meet at the designated closing location to sign all necessary documents and transfer ownership of the property.6. Representations and Warranties:Seller represents and warrants that they have clear title to the property and have the right to sell the property to Buyer. Seller further warrants that the property is free from any liens or encumbrances.7. Contingencies:This contract is contingent upon the following conditions being met: [List of Contingencies]. If any of these conditions are not met by the specified dates, either party may terminate the contract.8. Remedies:If Buyer fails to complete the purchase of the property, Seller may retain the deposit paid by Buyer as liquidated damages. If Seller fails to complete the sale of the property, Buyer may seek specific performance or other remedies available under the law.9. Governing Law:This contract shall be governed by the laws of[State/Country], and any disputes arising under this contract shall be resolved in the courts of [State/Country].In witness whereof, the parties hereto have executed this contract as of the date first above written.Seller: _______________________ Date: ___________Buyer: _______________________ Date: ___________This house sale contract sets forth the terms and conditions of the sale of the property between Seller and Buyer. By signing this contract, both parties agree to be bound by its terms and conditions.篇6Real Estate Purchase and Sale AgreementThis Real Estate Purchase and Sale Agreement ("Agreement") is entered into on this ____ day of __________, 20__, by andbetween [Seller's Name], having an address at [Seller's Address] ("Seller"), and [Buyer's Name], having an address at [Buyer's Address] ("Buyer").1. Purchase Price1.1. The purchase price for the property located at [Property Address] ("Property") shall be $__________ ("Purchase Price").2. Earnest Money Deposit2.1. Upon the execution of this Agreement, Buyer shall deposit $__________ as earnest money with [Escrow Agent] ("Escrow Agent") to be held in an escrow account pending the closing.3. Closing Date3.1. The closing of the sale will take place on or before__________, 20__, at a time and location mutually agreed upon by Seller and Buyer.4. Inspections4.1. Buyer shall have the right to conduct any inspections of the Property within __________ days of the execution of this Agreement. Buyer shall notify Seller in writing of any issues discovered during the inspections.5. Title5.1. Seller shall convey the Property to Buyer by a general warranty deed, free and clear of all liens and encumbrances, on or before the closing date.6. Closing Costs6.1. Seller shall be responsible for the payment of the real estate commission, title insurance premium, and any outstanding property taxes up to the closing date. Buyer shall be responsible for all other closing costs.7. Default7.1. If either party fails to perform under this Agreement, the non-defaulting party may terminate this Agreement and seek damages for any losses incurred.8. Governing Law8.1. This Agreement shall be governed by the laws of the State of [State], without regard to its conflict of law principles.9. Entire Agreement9.1. This Agreement constitutes the entire agreement between the parties and supersedes all prior agreements andunderstandings, whether written or oral, relating to the sale of the Property.IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first above written.[Seller's Signature] [Buyer's Signature]__________________________ __________________________[Seller's Name] [Buyer's Name]This Real Estate Purchase and Sale Agreement is hereby accepted and acknowledged by:[Escrow Agent]__________________________[Escrow Agent's Name][Date][Notary Public]My Commission Expires: ________This contract is binding and is subject to the laws of the State of [State].[End of Agreement]。
关于中国房地产市场的英文文章
关于中国房地产市场的英文文章China's real estate market has experienced rapid growthin recent years. The article provides an accurate analysisand update on the current state of the market. It can be used as a reference for investors, economists, or individuals interested in understanding the dynamics of the Chinese real estate industry.以下是使用28句双语例句来回答关于中国房地产市场的问题：1. China's real estate market has been a key driver ofthe country's economic growth.中国的房地产市场一直是中国经济增长的重要引擎。
2. The high demand for property in China has led tosoaring housing prices.在中国，对房地产的高需求导致了房价飙升。
3. Many Chinese individuals see real estate as alucrative investment opportunity.许多中国人将房地产视为一种有利可图的投资机会。
4. The Chinese government has implemented various policies to cool down the real estate market.中国政府出台了多项政策以降温房地产市场。
5. A surge in property speculation has raised concerns about a potential real estate bubble.房地产投机热潮引发了对潜在房地产泡沫的担忧。
加大对房地产的信贷支持力度的措施
加大对房地产的信贷支持力度的措施1.政府将加大对房地产市场的信贷支持力度。
The government will increase its credit support for the real estate market.2.银行将提供更多的房地产贷款。
Banks will provide more real estate loans.3.房地产开发商将获得更多的融资支持。
Real estate developers will receive more financing support.4.信贷政策将有助于促进房地产市场的发展。
Credit policies will help promote the development of the real estate market.5.政府将为购房者提供更多的低息贷款。
The government will provide more low-interest loans to homebuyers.6.银行将灵活调整房地产贷款的额度和期限。
Banks will flexibly adjust the amount and term of real estate loans.7.让更多的人有能力购买房地产。
Enable more people to afford to buy real estate.8.信贷支持将帮助推动房地产行业的健康发展。
Credit support will help promote the healthy development of the real estate industry.9.帮助改善房地产市场的流动性问题。
Help improve the liquidity of the real estate market.10.政府将向房地产行业注入更多的资金。
The government will inject more funds into the real estate industry.11.银行将简化房地产贷款的审批流程。
研究生英语教程熟谙课后答案
1.当今的大学生，尽管他们努力地想使自己成才，但对未来还是很模糊的。
Today's university students are struggling to establish themselves, but they still have ambiguous feelings about their future.2.一个人如果不能找到自我以外的中心，就不能实现他的自我价值。
所以，理想的本科教育必须使学生超越自我。
A man cannot find himself without finding a center beyond hi. So the idealism of the undergraduate experience must help the student transcend himself.3.我们强烈地希望在大学所学到的知识在今后的工作与学习中能起到重要的作用。
We eagerly hope that the lessons leaned in the university will reveal themselves in our performance in the workplace and further education.4四年的本科学习是走向成功生活的唯一道路，这种说法是无法接受的。
.It cannot go unchallenged to say that the 4-year undergraduate experience is the only path to success in life.5.在对一个关键的问题作结论时，如果只相信所谓的专家而不相信自己，不根据调查的结果，不根据实验的数据。
We run the risk of making critical decisions, not on the basis of what we know, the findings of investigations, and the data of experiments, but on the basis of blind faith in professed experts.6.我们的事业不要一批受过良好教育又能关心他人的年轻人，他们能团结一致，相互学习，积极参加四化建设。
房屋买卖合同(英文版)3篇
房屋买卖合同（英文版）3篇全文共3篇示例，供读者参考篇1Real Estate Purchase AgreementThis Agreement is entered into on this ___ day of ____, ___ by and between the Seller, ______________________(hereinafter referred to as "Seller") and the Buyer, _______________________ (hereinafter referred to as "Buyer").1. Sale and Purchase of Property:Seller agrees to sell and Buyer agrees to purchase the following described real property located at_____________________________ (hereinafter referred to as the "Property"), on the following terms and conditions:2. Purchase Price:The purchase price for the Property shall be _____ dollars ($___), payable as follows:- Earnest Money Deposit: Buyer shall deposit an earnest money deposit of ____ dollars ($___) with ____________________ upon execution of this Agreement.- Balance: The balance of the purchase price shall be paid by Buyer to Seller at closing.3. Closing:The closing of this transaction shall take place on or before _______ at a location mutually agreed upon by the parties.4. Title:Seller shall convey the Property to Buyer by General Warranty Deed, free of all liens and encumbrances, with marketable title.5. Seller's Representations and Warranties:Seller represents and warrants to Buyer that Seller is the sole owner of the Property with full power and authority to sell the Property.6. Buyer's Inspections:Buyer shall have the right to conduct inspections of the Property, at Buyer's expense, within ______ days of the execution of this Agreement.7. Default:If either party defaults on the terms of this Agreement, the non-defaulting party shall have the right to terminate this Agreement and seek all available legal remedies.8. Entire Agreement:This Agreement constitutes the entire agreement between the parties with respect to the sale and purchase of the Property.IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first above written.Seller: ___________________________Buyer: ___________________________篇2Real Estate Purchase AgreementThis Real Estate Purchase Agreement (the "Agreement") is entered into on [Date] by and between [Buyer's Name], hereinafter referred to as the "Buyer," and [Seller's Name], hereinafter referred to as the "Seller," collectively referred to as the "Parties."1. Purchase Price: The Buyer agrees to purchase the property located at [Address] for the total purchase price of [Purchase Price] to be paid in full at closing.2. Deposit: The Buyer shall provide a deposit of [Deposit Amount] upon signing this Agreement, which shall be held in escrow until closing.3. Financing: The Buyer agrees to obtain financing for the purchase of the property and shall provide proof of financing approval to the Seller within [Number] days of signing this Agreement.4. Closing Date: The closing date of this transaction shall be on or before [Date].5. Contingencies: This Agreement is contingent upon the following conditions being met:- Buyer obtaining financing approval within [Number] days.- Property inspection and appraisal being satisfactory to the Buyer.- Seller providing a clear title to the property.6. Seller's Representations: The Seller represents that they have the legal right to sell the property and that there are no outstanding liens or encumbrances on the property.7. Buyer's Representations: The Buyer represents that they have the financial means to purchase the property and shall comply with all terms of this Agreement.8. Closing Costs: The closing costs shall be split evenly between the Buyer and the Seller, with each party responsible for their own attorney fees.9. Default: If either party fails to fulfill their obligations under this Agreement, the non-defaulting party shall have the right to terminate this Agreement and seek damages.10. Governing Law: This Agreement shall be governed by the laws of the state of [State].11. Entire Agreement: This Agreement constitutes the entire agreement between the Parties and supersedes any prior agreements or understandings, whether written or oral.IN WITNESS WHEREOF, the Parties have executed this Agreement as of the date first written above.Buyer's Name:________________________Seller's Name:________________________Date:________________________[Signatures of Buyer and Seller]篇3Real Estate Purchase and Sale AgreementThis Real Estate Purchase and Sale Agreement (the "Agreement") is made and entered into as of [Date], by and between [Seller], with an address of [Seller's Address] (the "Seller"), and [Buyer], with an address of [Buyer's Address] (the "Buyer").1. Purchase and Sale AgreementThe Seller agrees to sell and the Buyer agrees to purchase the property located at [Property Address] (the "Property") for the purchase price of [Purchase Price] (the "Purchase Price").2. DepositUpon signing this Agreement, the Buyer shall deposit the sum of [Deposit Amount] (the "Deposit") to be held in escrow by [Escrow Agent] until the closing date. The Deposit shall be applied towards the Purchase Price at closing.3. Closing DateThe closing of the sale shall take place on or before [Closing Date] (the "Closing Date"). The Buyer shall have a reasonableopportunity to conduct inspections, review documents, and secure financing before the Closing Date.4. Title and DeedThe Seller shall provide the Buyer with a marketable title to the Property, free and clear of any liens, encumbrances, or defects. At closing, the Seller shall convey the Property to the Buyer by a proper deed, in a form acceptable to the Buyer.5. Closing CostsThe Seller shall be responsible for the payment of the real estate transfer taxes, and the Buyer shall be responsible for all other closing costs, including but not limited to, attorney fees, title insurance, and recording fees.6. Representations and WarrantiesThe Seller represents and warrants that they have full right and authority to sell the Property, and there are no pending or threatened legal actions that would affect the sale. The Buyer acknowledges that they have inspected the Property and accepts it in its present condition.7. DefaultIn the event of a default by either party under this Agreement, the non-defaulting party shall have the right to terminate the Agreement and retain the Deposit as liquidated damages, or seek specific performance of the Agreement.8. Governing LawThis Agreement shall be governed by and construed in accordance with the laws of the state of [State].9. Entire AgreementThis Agreement constitutes the entire agreement between the parties with respect to the purchase and sale of the Property, and supersedes all prior agreements and understandings.IN WITNESS WHEREOF, the parties have executed this Agreement as of the date and year first above written.___________________________ ___________________________Seller BuyerAccepted and agreed to:___________________________Escrow AgentThis Real Estate Purchase and Sale Agreement is hereby executed and effective as of the date first above written.【End of Document】。
房地产金融 英语
房地产金融英语Real Estate FinanceReal estate finance refers to the financial activities and transactions related to the acquisition, development, and management of real estate properties. It involves various financial instruments, strategies, and methods used to raise funds for real estate projects, manage real estate portfolios, and maximize returns on real estate investments.Investment in real estate requires significant capital, and real estate finance plays a crucial role in providing the necessary funds. Here are some key aspects and concepts related to real estate finance: 1. Real Estate Investment Analysis:Real estate investment analysis involves evaluating the financial viability and potential returns of a real estate investment opportunity. It includes analyzing factors such as the property's location, market conditions, rental income potential, expenses, and overall investment risk. Various methods such as cash flow analysis, income capitalization, and discounted cash flow analysis are used to assess the investment's profitability.2. Real Estate Loans and Mortgages:Real estate loans and mortgages are common methods of financing property acquisitions. Commercial banks, mortgage lenders, and specialized real estate finance companies provide loans secured by the property itself. The terms of the loan, including interest rates, loan duration, and repayment schedules, vary depending on factors like the borrower's creditworthiness and the property's value.3. Real Estate Investment Trusts (REITs):REITs are investment vehicles that enable individual and institutional investors to invest in real estate properties indirectly. REITs own, operate, or finance income-generating properties such as apartments, offices, retail centers, or hotels. Investing in REITs provides investors with the opportunity to invest in real estate without directly owning properties. REITs typically distribute a significant portion of their income as dividends to the investors. 4. Commercial Mortgage-Backed Securities (CMBS):CMBS involves pooling multiple commercial mortgages and creating tradable securities backed by these mortgages. These securities are then sold to investors in the capital market. CMBS allows financial institutions to transfer the risk associated with long-term real estate loans, providing liquidity to the lending market. Investors in CMBS receive interest payments from the underlying mortgage loans.5. Real Estate Development Financing:Real estate development involves various stages, such as land acquisition, construction, and marketing. Developers often require financing during each stage of the development process. Financing sources can include private equity, commercial loans, mezzanine financing, and government-sponsored programs. Developers need to carefully structure their financing to ensure the project's financial viability and manage the associated risks.6. Real Estate Investment Analysis:Real estate investment analysis involves evaluating the financialviability and potential returns of a real estate investment opportunity. It includes analyzing factors such as the property's location, market conditions, rental income potential, expenses, and overall investment risk. Various methods such as cash flow analysis, income capitalization, and discounted cash flow analysis are used to assess the investment's profitability.7. Real Estate Risk Management:Real estate investment carries inherent risks, including market risk, liquidity risk, interest rate risk, and credit risk. Risk management strategies aim to identify, assess, and mitigate these risks to protect investors and lenders. Techniques such as diversification, hedging, and risk transfer mechanisms are used to manage these risks effectively.In conclusion, real estate finance plays a vital role in facilitating investment, development, and management of real estate properties. Various financial instruments and strategies, along with proper risk management techniques, contribute to the success of real estate projects and investments. Understanding real estate finance is essential for investors, developers, and professionals involved in the real estate industry.。
当代年轻人买房的高中英语作文
当代年轻人买房的高中英语作文In contemporary society, owning a house has become a significant milestone for many young people. This essay explores the reasons behind this trend and discusses its implications.To begin with, one of the primary motivations for young adults to purchase a house is stability. Unlike renting, owning a property provides a sense of security and permanence. It allows individuals to establish roots in a community and build a foundation for their future.Financial investment is another compelling factor. Real estate is often considered a reliable investment option that can appreciate over time. Many young people view property ownership as a means of accumulating wealth and securingtheir financial future.Moreover, societal expectations play a role in driving the desire to buy a house. In many cultures, owning a home is seen as a symbol of success and adulthood. Meeting these expectations can provide a sense of accomplishment and pride.Additionally, the availability of mortgage financing has made homeownership more accessible to young people. Low interest rates and favorable loan terms incentivize individuals to enter the housing market earlier in life.Furthermore, the desire for independence and privacy motivates young adults to buy their own homes. Living independently allows individuals to make decisions abouttheir living space without the constraints imposed by landlords or rental agreements.However, there are challenges associated with purchasing a house at a young age. Affordability is a major concern, especially in urban areas where property prices are high relative to income levels. Saving for a down payment andmanaging mortgage payments can be daunting tasks for young buyers.Furthermore, economic instability and fluctuating real estate markets can pose risks to young homeowners. Economic downturns or unexpected expenses may impact their ability to maintain homeownership.In conclusion, while there are compelling reasons for young people to buy houses, such as stability, financial investment, and societal expectations, there are also challenges to consider. Achieving homeownership at a young age requires careful planning, financial discipline, and an understanding of market conditions. Nonetheless, for many young adults, owning a house remains a significant goal worth pursuing despite these challenges.。
中英文对照最新会计科目-北京市审计局发布
1101
交易性金融资产
Transactional Monetary Capital
10
1111
买入返售金融资产
金融共用
Redemptory Monetary Capital for Sale
11
1121
应收票据
Notes Receivable
12
1122
应收账款
Accounts Receivable
96
2314
代理业务负债
Liabilities from Vicarious Business
97
2401
预提费用
Withholding Expenses98来自2411预计负债
Estimated Liabilities
99
2501
递延收益
Deferred Profits
100
2601
长期借款
Long—term Borrowings
5
1015
其他货币资金
Other Monetary Capital
6
1021
结算备付金
证券专用
Deposit Reservation for Balance
7
1031
存出保证金
金融共用
Deposit for Recognizance
8
1051
拆出资金
金融共用
Lendings to Banks and Other Financial Institutions
76
2003
拆入资金
金融共用
Borrowings from Banks and Other Financial Institutions
房地产全流程相关知识技能 英文
房地产全流程相关知识技能英文Real estate is a vast and complex industry that requires a wide range of knowledge and skills to navigate effectively. From property development and construction to sales and marketing, there is a diverse set of requirements for professionals working in this field. Understanding the full process of real estate, from acquisition to disposal, is crucial for success.房地产是一个庞大而复杂的行业，需要广泛的知识和技能才能有效地进行导航。
从房地产开发和建设到销售和营销，专业人士在这一领域工作需要多方面的要求。
理解房地产的整个流程，从收购到处置，对于成功至关重要。
One of the fundamental skills required in real estate is financial literacy. This includes the ability to analyze market trends, assess the financial feasibility of a project, and understand the various financing options available. Without a solid understanding of financial concepts, it is challenging to make informed decisions and manage investments effectively in the real estate industry.房地产所需的基本技能之一是财务素养。
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Classification of Mortgages by Repayment Method
Example: Consider a 10-year, 10% mortgage loan of $10,000 requiring monthly payments. Determine the mortgage payments for
Tuesday, January 31, 2006, South China Morning Post High rates sink sales in primary market “Only 100 units expected to have been sold this month as homebuyers stay put.” Tuesday, February 21, 2006; South China Morning Post Mortgage war triggers rally in property stocks “Property stocks shone as investors expect the lower mortgage rates offered by banks to send property prices up. The increase in sales of new flats was also read as a good indication of a bullish property market.”
Yam blames rising interest rates as 21pc more homeowners fall outside the comfort zone in second quarterly increase
Content
Classification of Mortgages by Repayment Method
This kind of mortgage provides for the gradual repayment of a part of the principal over the term of the loan. The borrower makes periodic payments that include both principal and interest, so that at maturity, only part of the principal is paid off. The balance of the principal, the balloon payment, is due at maturity. The periodic payments on the partially amortized mortgage are less than that of a fully amortized mortgage of the same amount with the same terms. These reduced payments toward the principal will necessarily leave a loan balance at maturity, however. Who would borrow this kind of mortgages??
Classification of Mortgages by Repayment Method
Partially Amortized Mortgages
Interest + Remaining Balance | PMT PMT PMT PMT PMT PMT | | | | | | | | |_______|_______|_______|_______|_______|______....._________|______|_ 0 1 2 3 4 5...................... n
Adjustable Rate Mortgages Shared-Appreciation Mortgages (SAM) Analysis of Residential Finance
Special Mortgage: Reverse Mortgage
Incremental Borrowing Cost
Term Loan (Straight Loan) Fully Amortized Mortgages Partially Amortized Mortgages
Fixed Interest Rate Mortgage Loans
Growing-Equity Mortgages (GEM) Rapid-Payment Mortgages (RPM) Biweekly Mortgages Graduated Payment Mortgage (GPM)
Classification of Mortgages by Repayment Method
Fully Amortized Mortgages
PMT PMT PMT PMT PMT PMT PMT | | | | | | | | | | | | | | |_______|_______|_______|_______|_______|______....._________|______|_ 0 1 2 3 4 5...................... n
The straight or term mortgage loan provides for repayment of the principal amount of the loan at maturity. No provision is made to reduce the principal during the term of the loan. The borrower pays interest only at stated intervals, usually monthly, quarterly, semiannually, or annually. At the end of the loan term, the principal amount of the loan must be paid off along with the unpaid interest. The term of the loan usually varies from one to five years.
I. Classification of Mortgages by Repayment Method
Term Loan (Straight Loan)
Principal + Interest | | I I I I I | |_______|_______|_______|_______|_______|______.....________________|_ 0 1 2 3 4 5...................... n
Classification of Mortgages by Repayment Method
Who would borrow this kind of mortgages??
Newly formed businesses with large start-up costs and cash flow problems are likely candidates for this kind of mortgages. The bank expects that the cash flow crisis experienced by the new firm is short term, and that within a few years when the loan has matured, the then more experienced firm will be in a position either to pay off or refinance the balance.
Fully amortized mortgage provides for gradual repayment of the total principal amount over the term of the loan. Borrower makes periodic payments which include both principal and interest. At maturity the outstanding loan balance will be reduced to zero. The term of fully amortized residential mortgages generally varies from 15 to 30 years in the U.S. and from 5 to 20 years in Hong Kong.
Term loan Fully amortized mortgages Partially amortized mortgages with monthly payments fixed at $90.
Example
Consider a 10-year, 10% mortgage loan of $10,000 requiring monthly payments. Determine the mortgage payments for term loan.
70pc of affected households bought at 1997 peak, says HKMA