跟读练习: HOW MUCH Does A HOUSE REALLY COST? // HIDDEN FEES of Buying a Home - 通过YouTube学习英语口语
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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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关于本课
在这一课中，学习者将专注于与购房相关的词汇和短语，理解购房时可能面临的各种费用。从首付款到交易费用，我们将探索关键内容，帮助您在实际交流中更加自信和流利。通过与视频内容的互动练习，您将掌握与购房相关的英语表达，同时提高英语口语能力。
关键词汇和短语
- 首付款 (Down payment) - 购房时需支付的首笔费用。
- 交易费用 (Closing costs) - 完成购房时的其他必需费用。
- 贷款类型 (Loan type) - 不同的房贷条件和要求。
- 财产税 (Property taxes) - 房屋持有的税费。
- 保险 (Insurance) - 为物业提供的保障。
- 首次购房者 (First-time home buyer) - 第一次购买房屋的买家。
- 债务收入比 (Debt to income ratio) - 衡量借款人偿还能力的指标。
练习技巧
在观看视频时，请尽量跟随说话者的语速进行英语影子跟读。可以选择暂停视频，重复每一句话，确保准确发音和语调。在练习中，注意shadowspeak的技巧：尝试在与视频同步的情况下模仿说话者的表达方式和情感。通过这种方式，您不仅能提高口语能力，还能增强对相关词汇的理解与记忆。将这些词汇融入您的日常对话中，成为您英语口语练习的一部分，帮助您在不同情境中更加自主地运用英语。
什么是跟读法？
跟读法 (Shadowing) 是一种有科学依据的语言学习技巧，最初开发用于专业口译员的培训，并由多语言者Alexander Arguelles博士普及。这个方法简单而强大：您在听英语母语原声的同时立即大声重复——就像是一个延迟1-2秒紧跟说话者的影子。与被动听力或语法练习不同，跟读法强迫您的大脑和口腔肌肉同时处理并模仿真实的讲话模式。研究表明它能显着提高发音准确性，语调，节奏，连读，听力理解和口语流利度——使其成为雅思口语备考和真实英语交流最有效的方法之一。