买房须知：你不可不知的5件事
<p><span word="Buying">Buying</span> <span word="a">a</span> <span word="house">house</span> <span word="is">is</span> <span word="an">an</span> <span word="exciting">exciting</span> <span word="but">but</span> <span word="scary">scary</span> <span word="step">step</span>. <span word="Home">Home</span> <span word="ownership">ownership</span> <span word="means">means</span> <span word="making">making</span> <span word="an">an</span> <span word="investment">investment</span> <span word="in">in</span> <span word="your">your</span> <span word="future">future</span>, <span word="but">but</span> <span word="it">it</span> <span word="also">also</span> <span word="means">means</span> <span word="committing">committing</span> <span word="to">to</span> <span word="stay">stay</span> <span word="put">put</span>, <span word="at">at</span> <span word="least">least</span> <span word="for">for</span> <span word="a">a</span> <span word="while">while</span>. <span word="Before">Before</span> <span word="you">you</span> <span word="make">make</span> <span word="that">that</span> <span word="commitment">commitment</span>, <span word="you">you</span> <span word="should">should</span> <span word="ensure">ensure</span> <span word="you">you</span> <span word="are">are</span> <span word="making">making</span> <span word="an">an</span> <span word="informed">informed</span> <span word="decision">decision</span>, <span word="and">and</span> <span word="not">not</span> <span word="one">one</span> <span word="based">based</span> <span word="on">on</span> <span word="how">how</span> <span word="beautiful">beautiful</span> <span word="the">the</span> <span word="home">home</span> <span word="is">is</span> <span word="or">or</span> <span word="your">your</span> <span word="desire">desire</span> <span word="to">to</span> <span word="be">be</span> <span word="on">on</span> <span word="your">your</span> <span word="own">own</span>.</p><p>买房子是令人兴奋却又让人慌乱的一步。房屋所有权意味着对你的未来做了一次投资，此外也表示将承诺扎根于此，至少也会是一段时间。在你做出承诺前，你应该明了你正在做一项明智的决定，而不是因为房子是多么漂亮或是你渴望能独立。</p><p>1. <span word="Your">Your</span> <span word="Financial">Financial</span> <span word="Situation">Situation</span></p><p>你的财务状况</p><p><span word="Just">Just</span> <span word="because">because</span> <span word="you">you</span> <span word="qualify">qualify</span> <span word="for">for</span> <span word="a">a</span> <span word="loan">loan</span> <span word="does">does</span> <span word="not">not</span> <span word="necessarily">necessarily</span> <span word="mean">mean</span> <span word="you">you</span> <span word="should">should</span> <span word="take">take</span> <span word="a">a</span> <span word="loan">loan</span>. <span word="On">On</span> <span word="the">the</span> <span word="other">other</span> <span word="hand">hand</span>, <span word="if">if</span> <span word="you">you</span> <span word="don">don</span>'<span word="t">t</span> <span word="think">think</span> <span word="you">you</span> <span word="can">can</span> <span word="qualify">qualify</span> <span word="for">for</span> <span word="a">a</span> <span word="loan">loan</span>, <span word="you">you</span> <span word="might">might</span> <span word="be">be</span> <span word="mistaken">mistaken</span>. <span word="When">When</span> <span word="you">you</span> <span word="consider">consider</span> <span word="buying">buying</span> <span word="a">a</span> <span word="home">home</span>, <span word="sit">sit</span> <span word="down">down</span> <span word="with">with</span> <span word="a">a</span> <span word="professional">professional</span>--<span word="a">a</span> <span word="loan">loan</span> <span word="counselor">counselor</span> <span word="at">at</span> <span word="your">your</span> <span word="bank">bank</span> <span word="or">or</span> <span word="a">a</span> <span word="representative">representative</span> <span word="from">from</span> <span word="the">the</span> <span word="U">U</span>.<span word="S">S</span>. <span word="Housing">Housing</span> <span word="and">and</span> <span word="Urban">Urban</span> <span word="Development">Development</span>, <span word="for">for</span> <span word="instance">instance</span>--<span word="and">and</span> <span word="discuss">discuss</span> <span word="your">your</span> <span word="options">options</span>. <span word="Have">Have</span> <span word="tax">tax</span> <span word="and">and</span> <span word="income">income</span> <span word="documents">documents</span> <span word="ready">ready</span>, <span word="as">as</span> <span word="well">well</span> <span word="as">as</span> <span word="a">a</span> <span word="list">list</span> <span word="of">of</span> <span word="your">your</span> <span word="expenses">expenses</span> <span word="and">and</span> <span word="a">a</span> <span word="copy">copy</span> <span word="of">of</span> <span word="your">your</span> <span word="credit">credit</span> <span word="report">report</span>.</p><p>仅仅因为你够资格去贷款也不意味着你应该贷款。换句话说，如果你认为自己没有资格申请贷款，那你可能误解了。当你在考虑买房时，和专业人士一起坐着谈谈你的选择——比方说银行的贷款咨询顾问或是美国住房和城市发展部的办事员。准备好税收和收入的文件证明，以及开销清单和一份信用报告。</p>
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