쉐도잉 연습: HOW MUCH Does A HOUSE REALLY COST? // HIDDEN FEES of Buying a Home - YouTube로 영어 말하기 배우기

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So you're thinking about buying a house,
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So you're thinking about buying a house,
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but you're completely overwhelmed and intimidated because you don't know how much it actually costs you.
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You hear all these big terms like down payment,
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closing costs, you think about hidden fees there could be that no one's telling you about.
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So what is the scoop and how much does buying a house actually cost you?
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That is what we're going to be talking about today.
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So as always, before I get into things,
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I want to encourage you to subscribe to our channel give us some thumbs up
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and just give us some feedback on what you want to hear
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because that's how we make videos
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and how we learn what you want to hear about all
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right let's get into it how much does it actually cost
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you out of pocket to buy a house of course with most things there's no easy black
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and white answer this answer will definitely vary depending on your loan type the price of your home
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that you're buying the size of the home that you're buying, things like that.
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So do keep that in mind as I go along with this.
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So I will start at our highest out-of-pocket expense
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and kind of work our way down to these smaller things that you may not be thinking about.
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But obviously your biggest out-of-pocket expense is the thing everyone knows about and that is your down payment.
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And like mentioned before, that will vary depending on your loan type.
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There are loans that have a no down payment,
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which is your RD loan, your VA loan.
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And then you have other loan types
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that have a minimum down payment of three
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and a half percent for your fha loans
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and then a conventional loan is a minimum of three to five percent depending on stipulations like
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if you're a first-time home buyer or not obviously you can voluntarily put more down
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or your loan may require you to put more down to
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get your debt to income ratio down some that's getting into a can of worms But you can put 10% down,
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20% down to avoid PMI.
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But either way, that is probably going to be your biggest,
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depending on your loan type, out-of-pocket expense to expect.
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Your next out-of-pocket expense could also be your biggest,
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depending on your loan type,
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but it's your closing costs.
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And that is a vague term that not many people know about going into buying a house.
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That's why it's good to sit down with a lender beforehand to know all of these things.
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But your closing costs have a breakdown of some title work,
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your loan origination fees, It also includes your prepaid,
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which is your property taxes and insurance
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if you have to pay them up front when you close or if they're prorated throughout the year.
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But it's a breakdown.
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It usually comes to be about three to three and a half percent of your sales price.
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So the fluctuations there are if it requires a little more insurance,
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if your property taxes are high.
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But oftentimes if you're shopping around for lenders,
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you can get a breakdown of what closing costs estimated could be
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based off of their loan origination fees and title work
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and stuff like that but three to three
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and a half percent of the sales price is what you
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can count on your closing costs to be your next fees
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are kind of getting into those smaller things you may not be thinking about
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but your appraisal and your appraisal may actually be bundled into your closing cost estimate that a lender gives you
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oftentimes it is not so make sure you check with your lender on
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that but an appraisal is required
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if you are getting a loan your lender is automatically going to be needing
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that and that's around 500 or so that will be taken out
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and be due before closing because it's a third party that's doing it
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and they have to be paid for it
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so check with your lender to see
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if that's going to be included in your closing costs
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but otherwise you do have to pay out of pocket for that before you close and that's around $500.
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Last up is your home inspection and although
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that is voluntary it is absolutely encouraged
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and yes you can imagine the price of a home inspection
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will absolutely vary depending on the size of house the age of house
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if it's raised or if it's on a slab
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if it has multiple ac units if you need a wood destroying insect report
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so you can see how how there's a wide range there.
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For a first time home buyer,
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if you're looking at a house that's around,
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I don't know, 1,300 to 1,700 square feet or
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so just on a slab just kind of a normal house
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you are looking at probably around 300 to 400 dollars for a home inspection of course you can see how
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that would go up if an inspector needs a crawl under
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or if it has multiple AC units to inspect so yeah
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that is one of the smaller fees
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but it is one of the most important fees
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because it helps determine if you are going to be moving forward with the house.
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So you can, for the first time homebuyers around that age and size of house,
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I would count in between $300 to $400.
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So I hope this made things a little more simple for you,
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a little more mentally manageable.
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Of course, you won't know firm numbers until you sit down with a lender
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and know your loan type and your options there,
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as well as work with a realtor to nail down your house
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and you know your price point and size and all that.
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So if you need any lender recommendations,
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the San Jesucro Group has lots of them.
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We're happy to help you there.
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and of course if you are looking to buy
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and you want to get a little more in-depth process
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and to learn how that goes reach out to us we'd be honored to help out
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so let us know in the comments any experiences you've had
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with buying any expenses you think i may have missed
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and of course subscribe give us some feedback and we can't wait to see you next time

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이 주제가 바로 집 구매의 실제 비용에 대한 것입니다. 이러한 비디오는 영어 회화 연습에 매우 유용합니다. 비디오에서 사용되는 용어와 표현은 일상적인 대화에서 자주 사용되며, 부동산과 관련된 대화에서의 맥락을 잘 이해할 수 있게 도와줍니다. 특히 집을 사기 전의 두려움과 혼란을 이야기하는 접근 방식은 학습자들이 자신의 경험을 공유하며 말하기 능력을 높일 수 있는 기회를 제공합니다.

맥락 속의 문법 및 표현

비디오 속에서 사용된 몇 가지 주요 구조를 분석해보겠습니다:

  • “You’re thinking about buying a house”와 같은 현재 진행형 표현은 현재의 생각이나 행동을 나타내며, 학습자들이 자신의 고민과 계획을 표현하는 데 유용합니다.
  • “It varies depending on”와 같은 표현은 조건에 따라 달라짐을 나타내며, 비즈니스 대화나 개인적인 대화에서 상대방에게 상황을 설명할 때 사용할 수 있습니다.
  • “That is what we’re going to be talking about today” 문장은 주제를 소개할 때 자주 사용되며, 청중의 관심을 끌기 위한 좋은 방법입니다. 이 표현은 대화의 흐름을 부드럽게 연결해줍니다.
  • “Keep that in mind”은 중요한 점을 강조할 때 쓰이며, 주제를 논의하면서 주의해야 할 사항을 덧붙일 때 유용합니다.

자주 발생하는 발음 함정

비디오에서 주의해야 할 몇 가지 발음 포인트가 있습니다:

  • “Closing costs”라는 표현은 빠르게 발음할 때 발음이 흔들릴 수 있습니다. 이 두 단어를 분리하여 발음 연습해 보세요.
  • “Down payment” 은 “d” 소리와 “p” 소리가 강조되므로 부드럽게 연결하는 것이 중요합니다. 이를 위해 영어 쉐도잉 연습이 효과적입니다.
  • “Hidden fees” 같은 표현은 부드럽게 이어지는 소리 때문에 학습자들이 듣기 어렵다고 느낄 수 있습니다. 이 단어들을 반복하여 연습해 보세요.

이처럼 각 단어와 표현을 shadow speech로 연습하면 IELTS 스피킹과 같은 공식 시험에서도 더 자신감을 가질 수 있을 것입니다.

쉐도잉이란? 영어 실력을 빠르게 키우는 과학적 방법

쉐도잉(Shadowing)은 원래 전문 통역사 훈련을 위해 개발된 언어 학습 기법으로, 다언어 학자인 Dr. Alexander Arguelles에 의해 대중화된 방법입니다. 핵심 원리는 간단하지만 매우 강력합니다: 원어민의 영어를 들으면서 1~2초의 짧은 지연으로 즉시 소리 내어 따라 말하는 것——마치 '그림자(shadow)'처럼 화자를 따라가는 것입니다. 문법 공부나 수동적인 청취와 달리, 쉐도잉은 뇌와 입 근육이 동시에 실시간으로 영어를 처리하고 재현하도록 훈련합니다. 연구에 따르면 이 방법은 발음 정확도, 억양, 리듬, 연음, 청취력, 말하기 유창성을 크게 향상시킵니다. IELTS 스피킹 준비와 자연스러운 영어 소통을 원하는 분들에게 특히 효과적입니다.

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