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购置房子的几个步骤 – 译学馆
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购置房子的几个步骤

How Do You Actually Buy a House?

无论你是正在考虑购买自有住房
Whether you’re on the verge of buying your own home,
或者是这91%准备将来购置住房的千禧时代租客中的一员
or one of the 91 % of millennial renters who wants to buy a home someday,
购房流程看起来非常繁杂
the process can seem daunting.
如果能够跳到
It would be lovely to skip right to
房产经纪人将钥匙交到你手上表示“售出”那个瞬间
that stock photo moment where the realtor hands you a
该有多美好 但不幸的是
key next to a SOLD sign, but unfortunately,
在那之前会有一堆别的事情需要处理
a lot of other stuff has to happen first and
你越了解它 购房过程就会越顺利
the more you know about it, the smoother itwill go.
因此 这里有一份详细解说的指南 带你走完拥有房产的
So here is an illustrated guide to the Path to Home Ownership,
整个流程
from start to finish.
很多人直接找到房地产经纪人或者参观开放的房子
Many people jump right into finding a realtor or visiting open houses,
但是最实际的第一步
but the most practical
是确保你拥有贷款资格
first step is making sure you can get a loan —
除非你能付全款 如果这样的话
unless you’re paying cash, in which case you get
你可以跳过一些小方格
to skip ahead a few squares.
但是对于我们大多数人来说
But for most of us,
第一件事是选择一位“信贷员”
the first order of business is choosing a “ loan officer ”
他能代表你获得一份抵押贷款
This is the person who will secure a mortgage loan on your behalf.
有趣的事实:我曾经
Fun fact: I used to be a
自己也是信贷员 而且我强烈推荐通过别人推荐
loan officer myself and I highly recommend sourcing this person
来物色这个人
on personal referral.
信贷员会让你填一张
The loan officer will have you
预先申请表 里面包括你的
fill out a pre-approval application that will include
收入 征信 和现有资产
your income, credit history and current assets.
你也必须提供一些如支付存根
You’ll also have to provide documentation like pay stubs,
银行账单和税收回执等文件
bank statements and tax returns.
尽量为这个人提供自己的详细财务信息
Be prepared to share more financial information
而不是和别的其他人分享
with this person than you do with practically anyone else.
作为回报 他会帮助你
In return, he or she will help
匹配一份适合你的贷款
match you to a loan that’s right for you.
贷款种类非常多 但是总的来说
There are many different types of loans, but generally speaking,
你的征信越好
the better your credit
你的首付款越多
history and the more money you can put
你的日子就越好过
towards the down payment, the better your terms will be.
拥有740分 能够将购买价格的20%降下来
Having a score of 740 and being able to put down 20 %
是理想的
of the purchase price is the ideal,
但是只要你有680左右
but as long as you have a credit score
的信用分或者至少 3.5%的首付
of around 680 and a down payment of at least 3 and half percent,
你的信贷员将能够为你提供一些过得去的选择
your loan officer will be able to provide you with some decent options.
信贷员也会帮你决定
The loan officer will also help you decide
你能买得起多少价位的房子
how expensive a house you can qualify for,
给你一个参考 总价多少是可以考虑的
and give you an idea what kind of closing costs to expect.
总价是成交这套房子
Closing costs are all the extra expenses
你所需要花费的总成本
that you’ll have to pay to finalize the deal
然后你需要支付他们购买价的2%作为交易费
and you should anticipate them to total around 2 % the purchase price.
记住你的信贷员不是你的财务计划者
Remember that your loan officer is not yourfinancial planner.
这取决于你是否知道
It’s up to you to know how much
你愿意支付的总额和每个月付多少钱
you’re willing to shell out in total and how large
是合适的
a monthly payment is comfortable for you.
你需要记住你不必
And keep in mind that you don’t have
等一切准备好
to have all your ducks in a row in order to reach out
才去联系信贷员
to a loan officer.
即使你还没有完全
Even if you’re not quite ready
准备好 他们也乐于
to buy, they’ll be happy
去跟你沟通 然后告诉你
to talk with you and tell you what
你需要准备什么
you need to prepare.
如果所有东西都准备好了
If everything checks out,
一到两天你的住房贷款就会被预先核准
in a day or two you will be pre-approved for a home loan,
然后现在是时候为你的团队加入一位新成员了:房地产经纪人
and now it’s time to add a new member toyour team: the realtor.
你的房地产经纪人是你的私人购买顾问和首席谈判官
Your realtor is your personal shopper andchief negotiator.
他们的职责就是为你找到理想的房子
It’s their job to find you the home of your dreams,
以及帮你获得一个有竞争力的报价
and help you make a competitive offer.
房地产经纪人不难找到
Realtors are not hard to come by,
所以找到一位具有良好历史
so it’s especially important to pick one with good reviews,
或得到强烈推荐的经纪人 非常重要
or has been personally recommended.
像你的信贷员一样 你的房地产经纪人为佣金而工作
Like your loan officer, your realtor typically works on commission,
这意味着
which means they don’t
他们在交易完成之前不能得到报酬
get paid until the deal is done, so
所以他们渴望尽快让你
they’ll be eager to get you into
住进自己的房子
a home as fast as they can.
现在进入大家所期望的环节:找房子
Now comes the part most people look forwardto: finding a house!
在看了无数网上照片和实地考察以后
After looking at countless pictures onlineand touring interiors,
总有一天 终于
at some point — hopefully —
你注意到一个满足你所有条件的房子
you’ll zero in on a house that fits all the criteria you’re looking for.
接下来该干什么呢
So what comes next?
你和你的房地产经纪人将提交一份正式合同给房屋所有者
You and your realtor will submit a formal offer to the owner,
附上一封信贷员提供的预审通过信 以此证明你能买得起房
accompanied by a letter of pre-approval from the loan officer to prove that you can afford it.
如果他们接受的话 时间就到了购买的这个节点
If they accept, the clock starts ticking onthe purchase process.
从现在开始
From here on out,
最重要的是不要让任何事情影响到你的财务状况
it’s important that you don’t change anything about your financial situation.
贷款审批的前提是一切正常
Your loan approval is based on things staying just the way they are,
所以不要跳槽
so no changing jobs
或者取出新的信用卡
or taking out new credit cards!
购买程序的第一部分是选择分期时长
The first part of the purchase process isthe option period.
你将代表性的给房东一些押金
You will typically give the owner a deposit
大概是购买价格的1%左右
of around 1 % of the purchase price up front to
以此表示你的诚意
show that you are serious.
作为交换 房东会给你五到十天的窗口期
In exchange, the owner gives you a window
去检查房子
of around 5-10 days to inspect the house and
同时决定是否买下它
decide whether you want to go through withit.
你一定想要雇佣一个
You’ll definitely want to hire a
专业的检查员去保证房子的安全和正常运转
professional inspector to make sure the house is safe and up to code
屋顶和空调之类的大件物品也没有问题
and there are no issues with big ticket items like roof or AC.
如果你发现了重要问题
If you do find major problems,
你和房地产经纪人可以要求房东修好它们
you and your realtor can ask the owner to fix them, or
或者相应的调整你的合同
adjust your offer accordingly.
选择完了以后
After option is over,
在信贷员将你的文件交给担保机构的时候
you get to relax a bit while the loan officer works on turning your
你可以放松一下
file over to the underwriter.
担保机构具有极大的权利
They are the ones who hold the ultimate
可以批准或者拒绝你的贷款
power to approve or deny your loan and it’s their
他们的职责就是确保你是一个非常值得信赖的
job to make sure you check out as a super trustworthy,
记录良好的潜在借款者
squeaky clean potential borrower.
信贷员会像你的谈判代表一样
The loan officer will act as your go-between and just
和你一样 他们也希望这桩交易进行下去
like you, will want to keep this
所以请确保能够
train moving, so be sure
及时的提供给他们 他们可能所需要的补充材料
to promptly supply them with any supplemental documentation they may need.
一旦担保机构给你安全评级
Once the underwriter gives you the all clear,
你就快要完成了
you will be “ clear to close ”.
交易即将达成
It’s almost closing day!
是时候把你的支票簿拿出来了
Time to get your checkbook out!
这时候你的信贷员应该
By this point your loan officer should be
可以告诉你一个具体的数字了
able to give you a definitive number of how
你应该给多少首付以及佣金
much you owe in down payment and closing costs.
这笔钱实际上被划分成很多不同的部分
This money is actually owed to a lot of different parties,
但是为了简便 你将
but to make it simple, you’ll pay
全部付给一家产权公司
it all to a title company,
它的任务就是把你的钱给相应的人
whose job is to make sure it gets to the right people.
你还必须亲自签一大堆合同
You’ll also have to show up in person to sign a big stack of papers,
这些合同
which are then
将会被拿回抵押公司 一旦他们核实以后
sent back to the mortgage company and oncethey verify it…
恭喜
Congratulations!
你拥有自己的房子了
You own the home!
即使这些流程法律上已经结束了
Even though the process is legally wrapped up,
有些事你需要记在心上
there’s a couple more things to keep
你的第一笔抵押贷款偿付
in mind: Your first mortgage payment is
一般在结束后的第二个月支付
typically due the second month after closing.
所以如果你在6月15日结束
So if you close on June 15th,
预计在八月支付第一张支票
expect to write that first mortgage check in August.
别忘了搬家的费用哟
And don’t forget about moving costs!
即使不打算请专业的搬家公司
Even if you don’t hire a professional moving service,
也存在一些实际的安置费用 比如
there’s utility set-up costs, re-stocking
补充储藏室 替换那些搬家过程中被打破的东西
the pantry, replacing items that get broken in the move,
或者买比萨和啤酒
or buying pizza and beer for
来招待帮助你搬家的好朋友
your dear friends that help you out.
别质疑 :买房是个需要努力才能达成的目标
No doubt about it: Buying a house is a bigendeavor.
像别的大多数目标一样
And like most big endeavors,
最重要的步骤开始于
the most important steps come early on: …
确保你有足够的资金储备
making sure you have enough money saved,
以及招募正确的团队成员
and recruiting the right team members.
这就是这期的《两分钱》
And that’s our two cents!

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视频概述

介绍了买房的流程及需要注意的地方

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收集自网络

翻译译者

littleMA

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审核员XY

视频来源

https://www.youtube.com/watch?v=zOHJUVSAeDw

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