卖家决定是否承担部分贷款 | 口语小本本spoken.cc

[00:00.00]I heard that the potential buyer 
[00:02.97]is interested in me carrying 
[00:04.33]part of a loan for him.
[00:06.42]Carrying part of a loan can be a good 
[00:11.30]or a bad thing, 
[00:12.43]depending on the circumstances.
[00:14.55]What would be an advantage of me 
[00:17.20]carrying a note on the house?
[00:19.20]If you don't need the money right away, 
[00:22.17]you can earn a fairly good interest rate.
[00:25.25]Why does my buyer 
[00:27.62]want me to carry part of his loan?
[00:29.97]In this economy, 
[00:31.58]buyers sometimes have trouble 
[00:34.13]getting a loan even 
[00:36.45]when they have good credit.
[00:38.46]What are the risks to me?
[00:40.93]The risk is that the market could 
[00:45.20]drop drastically 
[00:46.91]and the owner would walk away.
[00:48.92]How long will I need to commit 
[00:51.17]to financing this loan?
[00:52.55]You need to make an agreement 
[00:54.60]with the buyer as to how long 
[00:58.83]you will carry this note.
[01:00.24]My potential buyer has asked me 
[01:04.70]to carry part of his loan.
[01:05.58]The decision to carry part of a loan 
[01:08.25]might be advantageous 
[01:09.65]to you or problematic.
[01:13.50]Why would I ever want to 
[01:13.77]carry a note on a house?
[01:15.94]It is a type of investment 
[01:18.90]that can offer a fairly steady return 
[01:20.23]over a set period of time.
[01:22.11]Why is my buyer requesting 
[01:24.37]that I carry part of his loan?
[01:26.50]Oftentimes buyers are well 
[01:28.90]able to afford the home 
[01:30.37]but unable to qualify for a loan.
[01:33.46]Are there any risks in 
[01:35.78]carrying a second mortgage?
[01:37.62]You are basically betting 
[01:39.67]on the fact that the home is 
[01:41.30]not going to drastically fall in price. 
[01:43.96]This could leave you with a house 
[01:46.10]that is not worth much.
[01:47.88]Will I be financing this loan 
[01:50.98]for a set period of time?
[01:53.15]That is entirely up to you and the buyer.
[01:56.23]If the purchaser of your home 
[02:00.30]wants you to carry part of the loan, 
[02:02.35]is that good?
[02:03.51]Carrying a loan could be good 
[02:05.63]or bad for you as a seller.
[02:08.43]Why would it be a good thing 
[02:10.32]to carry a note on my own house?
[02:12.72]For investors who can afford 
[02:15.47]to have their money tied up, 
[02:17.32]it can offer a fairly nice return.
[02:20.60]What advantage is my buyer 
[02:22.43]looking for in having me 
[02:24.10]carry him on paper?
[02:26.11]We are seeing more and more buyers 
[02:28.83]who are not able to qualify for a loan 
[02:31.52]and are able to take out 
[02:33.35]a second mortgage with the owner.
[02:35.76]Can I lose my money 
[02:37.89]if I carry a second mortgage?
[02:39.98]It is an investment and carries some risks. 
[02:44.59]You are counting 
[02:45.87]on the housing market 
[02:47.20]to not go into a tailspin.
[02:49.67]Is there a certain amount of time 
[02:51.74]that I will be carrying this loan?
[02:53.66]The buyer and seller set the year 
[02:56.72]for the loan to come due.

卖家决定是否承担部分贷款

卖家决定是否承担部分贷款 Deciding Whether to Carry Part of a Loan

tags: 卖房买家贷款

内容

英中
中英
盲听

1

Conversation 1: I heard that the potential buyer is interested in me carrying part of a loan for him.

显示译文▼

我听说潜在买家希望我为他承担一部分贷款。

2

Carrying part of a loan can be a good or a bad thing, depending on the circumstances.

显示译文▼

持有部分贷款可能是好事，也可能是坏事，这取决于具体情况。

3

What would be an advantage of me carrying a note on the house? - If you don't need the money right away, you can earn a fairly good interest rate.

显示译文▼

我在房子上持有一纸协议有什么好处？ - 如果你现在不需要钱，你可以赚取相当高的利率。

4

Why does my buyer want me to carry part of his loan? - In this economy, buyers sometimes have trouble getting a loan even when they have good credit.

显示译文▼

为什么我的买家要我承担他的部分贷款？ - 在当前的经济形势下，买家有时甚至在信用良好的情况下也难以获得贷款。

5

What are the risks to me? - The risk is that the market could drop drastically and the owner would walk away.

显示译文▼

对我来说有什么风险？ - 风险在于，市场可能大幅下跌，所有者可能会脱身离开。

6

How long will I need to commit to financing this loan? - You need to make an agreement with the buyer as to how long you will carry this note.

显示译文▼

我需要承诺为这笔贷款融资多久？ - 你需要和买主就这张协议的期限达成协议。

7

Conversation 2: My potential buyer has asked me to carry part of his loan. - The decision to carry part of a loan might be advantageous to you or problematic.

显示译文▼

我的潜在买家要求我承担部分贷款。 - 持有部分贷款的决定可能对你有利，也可能有问题。

8

Why would I ever want to carry a note on a house? - It is a type of investment that can offer a fairly steady return over a set period of time.

显示译文▼

为什么我要在房子上持有一纸协议？ - 这是一种在一定时期内能够提供相当稳定回报的投资。

9

Why is my buyer requesting that I carry part of his loan? - Oftentimes buyers are well able to afford the home but unable to qualify for a loan.

显示译文▼

为什么我的买家要求我承担部分贷款？ - 通常情况下，购房者很有能力买得起房子，但却没有资格获得贷款。

10

Are there any risks in carrying a second mortgage? - You are basically betting on the fact that the home is not going to drastically fall in price. This could leave you with a house that is not worth much.

显示译文▼

二押贷款有风险吗？ - 你基本上是在赌房子不会大幅降价。这可能会给你留下一栋不值钱的房子。

11

Will I be financing this loan for a set period of time? - That is entirely up to you and the buyer.

显示译文▼

我会只在特定的一段时间内为这笔贷款提供资金吗？ - 这完全取决于你和买家。

12

Conversation 3: If the purchaser of your home wants you to carry part of the loan, is that good? - Carrying a loan could be good or bad for you as a seller.

显示译文▼

如果你的购房者希望你承担部分贷款，那合适吗？ - 作为卖家，贷款对你来说是好是坏。

13

Why would it be a good thing to carry a note on my own house? - For investors who can afford to have their money tied up, it can offer a fairly nice return.

显示译文▼

为什么在我自己的房子持有一纸协议是件好事？ - 对于那些有能力将资金冻结起来的投资者来说，它可以提供相当不错的回报。

14

What advantage is my buyer looking for in having me carry him on paper? - We are seeing more and more buyers who are not able to qualify for a loan and are able to take out a second mortgage with the owner.

显示译文▼

我的买家希望我把他写在协议上有什么好处？ - 我们看到越来越多的购房者没有资格获得贷款，能够与房主进行第二次按揭。

15

Can I lose my money if I carry a second mortgage? - It is an investment and carries some risks. You are counting on the housing market to not go into a tailspin.

显示译文▼

如果我进行第二次抵押贷款，我会损失我的钱吗？ - 这是一项投资，也有一定的风险。你指望房地产市场不会陷入混乱。

16

Is there a certain amount of time that I will be carrying this loan? - The buyer and seller set the year for the loan to come due.

显示译文▼

我可以规定一个时间来偿还这笔贷款吗？ - 买方和卖方确定贷款到期的时间。

1

我听说潜在买家希望我为他承担一部分贷款。

显示原文▼

Conversation 1: I heard that the potential buyer is interested in me carrying part of a loan for him.

2

持有部分贷款可能是好事，也可能是坏事，这取决于具体情况。

显示原文▼

Carrying part of a loan can be a good or a bad thing, depending on the circumstances.

3

我在房子上持有一纸协议有什么好处？ - 如果你现在不需要钱，你可以赚取相当高的利率。

显示原文▼

What would be an advantage of me carrying a note on the house? - If you don't need the money right away, you can earn a fairly good interest rate.

4

为什么我的买家要我承担他的部分贷款？ - 在当前的经济形势下，买家有时甚至在信用良好的情况下也难以获得贷款。

显示原文▼

Why does my buyer want me to carry part of his loan? - In this economy, buyers sometimes have trouble getting a loan even when they have good credit.

5

对我来说有什么风险？ - 风险在于，市场可能大幅下跌，所有者可能会脱身离开。

显示原文▼

What are the risks to me? - The risk is that the market could drop drastically and the owner would walk away.

6

我需要承诺为这笔贷款融资多久？ - 你需要和买主就这张协议的期限达成协议。

显示原文▼

How long will I need to commit to financing this loan? - You need to make an agreement with the buyer as to how long you will carry this note.

7

我的潜在买家要求我承担部分贷款。 - 持有部分贷款的决定可能对你有利，也可能有问题。

显示原文▼

Conversation 2: My potential buyer has asked me to carry part of his loan. - The decision to carry part of a loan might be advantageous to you or problematic.

8

为什么我要在房子上持有一纸协议？ - 这是一种在一定时期内能够提供相当稳定回报的投资。

显示原文▼

Why would I ever want to carry a note on a house? - It is a type of investment that can offer a fairly steady return over a set period of time.

9

为什么我的买家要求我承担部分贷款？ - 通常情况下，购房者很有能力买得起房子，但却没有资格获得贷款。

显示原文▼

Why is my buyer requesting that I carry part of his loan? - Oftentimes buyers are well able to afford the home but unable to qualify for a loan.

10

二押贷款有风险吗？ - 你基本上是在赌房子不会大幅降价。这可能会给你留下一栋不值钱的房子。

显示原文▼

Are there any risks in carrying a second mortgage? - You are basically betting on the fact that the home is not going to drastically fall in price. This could leave you with a house that is not worth much.

11

我会只在特定的一段时间内为这笔贷款提供资金吗？ - 这完全取决于你和买家。

显示原文▼

Will I be financing this loan for a set period of time? - That is entirely up to you and the buyer.

12

如果你的购房者希望你承担部分贷款，那合适吗？ - 作为卖家，贷款对你来说是好是坏。

显示原文▼

Conversation 3: If the purchaser of your home wants you to carry part of the loan, is that good? - Carrying a loan could be good or bad for you as a seller.

13

为什么在我自己的房子持有一纸协议是件好事？ - 对于那些有能力将资金冻结起来的投资者来说，它可以提供相当不错的回报。

显示原文▼

Why would it be a good thing to carry a note on my own house? - For investors who can afford to have their money tied up, it can offer a fairly nice return.

14

我的买家希望我把他写在协议上有什么好处？ - 我们看到越来越多的购房者没有资格获得贷款，能够与房主进行第二次按揭。

显示原文▼

What advantage is my buyer looking for in having me carry him on paper? - We are seeing more and more buyers who are not able to qualify for a loan and are able to take out a second mortgage with the owner.

15

如果我进行第二次抵押贷款，我会损失我的钱吗？ - 这是一项投资，也有一定的风险。你指望房地产市场不会陷入混乱。

显示原文▼

Can I lose my money if I carry a second mortgage? - It is an investment and carries some risks. You are counting on the housing market to not go into a tailspin.

16

我可以规定一个时间来偿还这笔贷款吗？ - 买方和卖方确定贷款到期的时间。

显示原文▼

Is there a certain amount of time that I will be carrying this loan? - The buyer and seller set the year for the loan to come due.

1

Conversation 1: I heard that the potential buyer is interested in me carrying part of a loan for him.
2

Carrying part of a loan can be a good or a bad thing, depending on the circumstances.
3

What would be an advantage of me carrying a note on the house? - If you don't need the money right away, you can earn a fairly good interest rate.
4

Why does my buyer want me to carry part of his loan? - In this economy, buyers sometimes have trouble getting a loan even when they have good credit.
5

What are the risks to me? - The risk is that the market could drop drastically and the owner would walk away.
6

How long will I need to commit to financing this loan? - You need to make an agreement with the buyer as to how long you will carry this note.
7

Conversation 2: My potential buyer has asked me to carry part of his loan. - The decision to carry part of a loan might be advantageous to you or problematic.
8

Why would I ever want to carry a note on a house? - It is a type of investment that can offer a fairly steady return over a set period of time.
9

Why is my buyer requesting that I carry part of his loan? - Oftentimes buyers are well able to afford the home but unable to qualify for a loan.
10

Are there any risks in carrying a second mortgage? - You are basically betting on the fact that the home is not going to drastically fall in price. This could leave you with a house that is not worth much.
11

Will I be financing this loan for a set period of time? - That is entirely up to you and the buyer.
12

Conversation 3: If the purchaser of your home wants you to carry part of the loan, is that good? - Carrying a loan could be good or bad for you as a seller.
13

Why would it be a good thing to carry a note on my own house? - For investors who can afford to have their money tied up, it can offer a fairly nice return.
14

What advantage is my buyer looking for in having me carry him on paper? - We are seeing more and more buyers who are not able to qualify for a loan and are able to take out a second mortgage with the owner.
15

Can I lose my money if I carry a second mortgage? - It is an investment and carries some risks. You are counting on the housing market to not go into a tailspin.
16

Is there a certain amount of time that I will be carrying this loan? - The buyer and seller set the year for the loan to come due.