Практика Shadowing: HOW MUCH Does A HOUSE REALLY COST? // HIDDEN FEES of Buying a Home - Изучайте разговорный английский с YouTube

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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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Почему стоит практиковать разговор с этим видео?

Покупка дома — это серьезный шаг, который может быть пугающим из-за множества новых терминов и скрытых расходов. Это видео объясняет, что именно включает в себя стоимость дома, и предоставляет контекст для практики разговорного английского. Обсуждение таких терминов, как "первоначальный взнос" (down payment) и "закрывающие расходы" (closing costs), используется в реальных жизненных ситуациях, что делает его идеальным для изучения. Практикуя с этим видео, вы сможете улучшить произношение английского, а также уверенность в своих разговорных навыках, так как вы будете слышать и повторять важные фразы, которые часто используются в процессе покупки жилья.

Грамматика и выражения в контексте

  • “How much does it actually cost you” - Вопросительная структура, которая помогает сосредоточиться на конкретной информации. Вы можете использовать подобные вопросы в собственных разговорах.
  • “It usually comes to be about three to three and a half percent” - Использование временной конструкции “comes to be” показывает, как можно подводить итог или давать оценку. Это полезно для деловых и финансовых дискуссий.
  • “Depending on your loan type” - Оборот “depending on” помогает указывать на условия, которые влияют на результат, и очень полезен в разговоре о различных вариантах в принятии решений.
  • “You may voluntarily put more down” - Использование модального глагола “may” указывает на возможность, что важно для выражения шансов и предложений в разговоре.

Общие ловушки при произношении

В этом видео есть несколько слов и фраз, которые могут быть сложными для произношения. Например, термины “closing costs” и “down payment” могут быть быстро произнесены носителями языка, что делает трудным для изучающих английский понимание их на слух. Стоит обратить внимание на произношение слов с “s” в конце, так как они могут звучать слишком мягко или быстро. Практика разговорного английского помогает преодолевать такие трудности, и shadow speech является отличным методом для этого. Использование shadowspeak или shadowing site может оказаться очень полезным для повторения и улучшения произношения английского.

Что такое техника Shadowing?

Shadowing — это научно обоснованная техника изучения языка, изначально разработанная для подготовки профессиональных переводчиков и популяризированная полиглотом доктором Александром Аргуэльесом. Метод прост, но эффективен: вы слушаете аудио на английском от носителей языка и немедленно повторяете вслух — как тень, следующая за говорящим с задержкой в 1–2 секунды. В отличие от пассивного прослушивания или грамматических упражнений, Shadowing заставляет мозг и мышцы рта одновременно обрабатывать и воспроизводить реальные речевые паттерны. Исследования показывают, что это значительно улучшает точность произношения, интонацию, ритм, связную речь, понимание на слух и беглость речи — что делает его одним из самых эффективных методов для подготовки к IELTS Speaking и реального общения на английском.

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