0830_The Real World of Real Estate (1)

Understanding the cost and value of home

[Steve & Hazel]

[Chip & Chelsea]

SC: Why are houses such an important part of the economy?
MZ: Houses play an important role in the economy because average consumers store most of their net worth (total value that a person has) in real estate. They are also important because people don’t just invest in houses; they also live in them.
SC: What pushes housing prices higher?
MZ: House prices are typically driven by a number of factors including inventory levels, interest rates, employment rates and income levels. Sometimes, governments initiate programs to keep home prices at a certain level.
SC: What is a housing inventory? What affect it?
MZ: The term housing inventory refers to the number of houses that are being sold on the open market. Housing inventory typically includes newly built homes, older properties being sold by their owners and properties that lenders obtain through foreclosure (take property back). When there is a high demand for houses, inventory is low because people are buying houses as soon as they are put up for sale. When demand is low, inventory is high because houses aren’t selling and are staying on the market longer.

[Traditional Chinese Translation]

房地產達人
瞭解房屋的價格與價值

本刊在這個月訪問翟麥克(譯註:音譯)談房地產。翟麥克是經歷過美國房地產泡沫的老手,目前在紐約一家對沖基金公司擔任分析師。

本刊:房地產為什麼對經濟如此重要?
翟:房地產是經濟重要的一環,因為一般消費者會將他們大部分的餘錢(譯註: net worth 原意是淨值,此指個人的資產減去負債所餘的錢,因此譯為餘錢)投入房地產;還有就是人們不僅投資房子,他們也住在裡面。

本刊:是什麼原因促使房價上漲?
翟:有幾種因素往往會影響到房價,包括余屋量、利率、就業率及收入水準。有時政府會採取措施好讓房價維持在一定的水準。

本刊:什麼是余屋量?什麼會影響到余屋量呢?
翟:余屋量是指公開市場上待售的房屋數量,一般包括新建好的成屋、屋主欲出售的舊屋及借方取消抵押人回贖權的房屋(譯註:當抵押人未如期繳交貸款,就會被取消回贖權,並由借方取得房屋,這種房子通常就會送交法拍,成為法拍屋)。當房屋需求量高時,余屋量就會相對變低,因為房子才剛推出待售就會馬上被買走。但當需求低時,余屋量就會高,因為房子賣不出去,在市場上待售的時間就會比較長。 
[More Information]

[Ashley & Ken]

A: Hey, Ken. I see you’re reading the real estate section. Are you house-hunting?
K: If that means if I’m looking for a house to buy then yes, I’m house-hunting.
A: Yes, that’s what it means.
Any good finds?
K: Maybe, if I understood what the ads said. Listen to this, 5br, 4ba, 1 half ba. What are all these
abbreviations?
A: Ah, housing ads can be
a little tricky to understand. But let me help you break it down(divide into parts to be analysed 劃分(以便分析)). Okay, first of all, br stands for bedroom.
K: Okay, so this house has 5 bedrooms. Well, that’s a lot of bedrooms.
A: The next abbreviation is ba and that stands for bathroom.
K: Now, there 4 bathrooms. But wait, it says 4 bathrooms and 1 half bathroom. How can you have half a bathroom?
A: I know. It seems strange. Why don’t talk to Doris to find out more?
K: Okay.

D: A half bathroom describes a bathroom without a bathtub or shower. It only has a toilet and a sink. Regular bathrooms have a shower, toilet and sink.

K: Oh, so that’s what a half bathroom is?
A: Or half bath for short. Some people called it powder room. Some call it a guest bathroom.
K: Okay, that makes sense. Well, this looks like a really promising(
有希望的)house.
A: It sounds like it. How’s the price?
K: Whoa, it’s over $700,000. No way can I afford that. Forget it, I’ll keep looking.
A: Let me know if you need help with the abbreviations.
K: I will. Thanks.
A
:嘿,肯。我看見你正在閱讀的房地產部分。你的房子,狩獵?
K
教授:如果這意味著如果我正在找一所房子,當時買的話,我的房子,狩獵。
答:是的,這意味著什麼。任何好的發現?
K
教授:也許吧,如果我理解了廣告說。聽著這一點,5br4ba1個半學士學位。所有這些縮寫是什麼?
A
:啊,房屋廣告可以理解有點棘手。但讓我來幫你分解。好吧,首先,商業登記代表的臥室。
K
教授:好了,所以這房子有5間臥室。嗯,這是一個很大的臥室。
答:下一個縮寫是BA和代表的浴室。
K
教授:現在,有4間浴室。但是別急,它說 4間浴室和1個半浴室。你怎麼能有一半在浴室?
答:我知道。這似乎很奇怪。為什麼不說話多麗絲了解更多?
K
教授:好的。

D輯:描述了一個半浴室衛生間沒有浴缸或淋浴。它只有一個衛生間和一個接收器。經常浴室洗澡,馬桶和水槽。

K教授:哦,這就是一個半浴室?
答:短期或半浴。有些人稱之為化妝間。有人稱之為客人衛生間。
K
教授:好吧,這是很有意義的。那麼,這看起來像一個真正有前途的房子。
答:這聽起來像它。怎樣的代價?
K
教授:哇,這是超過 70萬元。我沒有辦法可以負擔得起的。算了吧,我會繼續尋找。
答:我知道你需要幫助的縮寫。
K
:我會的。謝謝。
如果你想要買房子,你就是在house-huntinghunt除了指打獵,也可以表示尋找、物色,house-hunting最方便的方法之一就是看報紙,但是你必須要看得懂廣告上的一些縮寫,像br就是bedroom的縮寫,babathroom的縮寫。bathroom也分成full bathhalf bathfull bath是整套的衛浴設備,half bath就是半套的,它只有馬桶跟面盆,但是沒有洗澡或esta浴的地方。half bath也可以稱為powder room或是guest bathroom(客人專用的浴室)。

[Liz]

[Michelle]

 

Inventory (n.) 存貨,存貨清單。
*The
car dealership has a large inventory of used cars.
這家汽車經銷商擁有數量龐大的二手車。
*Our boss told us to
take a comprehensive inventory of our goods.
老闆告訴我們要對商品的存貨做全面的清點。
*The company had a sale and sold most of their inventory.
這家公司舉行大拍賣把大部分的存貨都賣掉了。
Open market (n.) 公開市場,自由市場。
*We intended to sell our house to our friends or family, but now we’re had to
put it on the open market.
我們原本想把房子賣給朋友或家人,但是現在我們必須把房子公開出售了。
Foreclosure [fɔːˈklouʒər] (n.) 取消贖回權(就是貸款人還不出貸款,銀行把其抵押物法拍)
*Wesley hasn’t paid his loan for months, and it now facing foreclosure.
Wesley
已經幾個月沒有繳房貸,現在面臨法拍的命運。
*The foreclosure procedure will take 2 months.
法拍的程序需要花上兩個月。

foreclosure   /fɔːˈkləʊʒə(r)/ DJ   /fɔːrˈkloʊ-/ DJ US   /fɔr’kloʒɚ/ KK US

1.           the act of foreclosing on money that has been borrowed; an example of this 抵押品贖回權的取消

 


Hedge fund (n.) 投機性投資公司,避險基金,對沖基金。
* A hedge fund is an investment fund that invests large amounts of money using methods that involve a lot of risk.
Net worth (n.) 資本淨值。
*But he’s not that far from it, according to Forbes, with a net worth of $750 million.
但其實也差不了多少,根據<福布斯>統計,他的總資產已經達到了7.5億美元了。

 

[Vocabulary]

net worth (n) 淨資產;淨值 Much of Maria’s net worth comes from her investments.
inventory (n)
存貨;庫存 The store will be closed next week because Sharon wants to do some inventory control.
open market (n)
開放市場;自由市場 There are lots of used cars on the open market right now. You can get a great deal!
foreclosure (n)
(抵押人)回贖權的取消 In the first month after the factory closed, the town had 25 house foreclosures. 

inventory, foreclosure, demand, net worth, open market

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