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  • hi welcome to i'm adam in today's  video i want to give you a bit of an introduction  


  • into the world of real estate okay now i'm  not going to get too technical with real  

    進入房地產的世界 好了,現在我不打算對房地產進行太多技術性的討論。

  • estate terms but what i am going to talk  about are the differences between renting  


  • property and buying property okay now this is  especially useful for people who are considering  


  • emigrating to an english-speaking country and  you're not sure you know what are your options  


  • what you want to do or even if you're already  in an english-speaking country and you want to  


  • move out of your dorm move out of your family  your uncle's basement etc you have to understand  

    搬出你的宿舍 搬出你的家庭 你叔叔的地下室等等 你必須明白

  • the words you're going to come across when you're  making your decision okay so we're going to look  


  • at renting or leasing a place and we're going to  look at buying a place a property so let's start  


  • with renting you have two options when you want  to get a place that without buying it you can rent  


  • rent means you're paying month to month and you  can leave whenever you want lease means you're  

    租金意味著你按月支付,你可以隨時離開 租約意味著你是

  • signing a contract for a specific amount of time  usually one year maybe two years at the end of  


  • the lease you can either become a renter or you  can sign a new lease for another set term at a  


  • set fixed price of monthly payments now if you  already rent a place or you're already leasing  


  • a place and maybe you want to go away for a long  vacation or you want to go somewhere for a year  


  • to work or study but you want to keep your  apartment or your condominium or your house you  


  • can sublease or sublet they essentially mean the  same thing means that you rent or you lease your  


  • apartment to someone else so that person will  pay you and you will pay the original owner or  


  • whatever the situation is and continue that way  now when you rent a place generally you have to  


  • give a deposit this is a certain amount of money  that you give the landlord or you give the owner  


  • to make sure that you always make your payments  if you miss a payment they will take it from your  


  • deposit if you cause any damage to the property  they will take that money from your deposit if you  


  • leave at the end of your term if you're at the end  of the rental and you've paid all your bills and  


  • you haven't damaged the house you get that money  back that deposit back usually with interest  


  • now in many places the deposit is essentially  first and last so you're paying your first  


  • month's rent and your last month's rent if you  miss a payment along the way they take that  


  • last month as the payment and then you owe them  again for the last the final month of your stay  


  • now when you generally speaking when you get  assigned a lease you're signing a contract  


  • in many places they also make you sign a contract  for a rent just for their protection for your  


  • protection a contract is a written paper agreement  between you and the owner of the property  

    保護 合同是你和房產所有者之間的書面協議

  • with certain rules for both sides again it's  for everybody's protection now if you break  


  • the contract if you break any of the rules if you  leave before the time expires or if you do some  


  • damage or if you break some if you don't follow  the rules then you are in breach of contract and  


  • this is a very big deal because then the owner of  the property will will proceed with or will begin  


  • litigation litigation basically means legal  action they will take you to court they will  

    訴訟 訴訟基本上意味著法律行動,他們會把你告上法庭,他們會

  • take a lot of money from you for the money you  owe them plus the time they're spending plus the  


  • lawyers they're hiring it can be very expensive  for you if you reach the contract because then you  


  • are a liability you are something that is costing  money you are a risk so you don't want to do that  


  • now if you do break the rules or if you do breach  the contract the owner can evict you to evict  


  • means to kick out they can make you leave the  property and where you go not their problem so  


  • make sure you follow the rules make sure you  make your you pay your monthly bills otherwise  


  • some of them if they don't evict you  means it's kick you out they might  


  • ask you to vacate they will say okay your lease  is ending next month we don't want to sign a new  


  • lease with you please vacate the property by  the end of next month just leave evict means  


  • they're kicking you out there's probably going to  be some litigation vacate they're just telling you  


  • that at this time you have to leave and that's  all there is to it now when you're looking for  


  • an apartment or a condominium you have to look for  buildings that have vacancy means somebody vacated  


  • there is an empty unit and you can move in if  you go to a building and you see a sign that says  


  • no vacancy that means they don't have any empty  units they don't have any suites for you you  


  • have to look somewhere else okay now when you are  renting or leasing you are a tenant you are living  


  • there you are paying monthly bills and you are  a tenant you have no ownership rights basically  


  • now when it comes okay i'll get to that insecond let's go to the owning a property now  


  • if you have enough money and you can pay the full  amount you just buy the place generally speaking  


  • most people don't do this it doesn't actually make  sense to you it's better to put down a certain  


  • amount of down payment 20 30 percent however much  and then pay off the property over a period of  


  • time okay when you when that happens you getloan from the bank which is called a mortgage no  


  • t sound more gauge and the g a g sounds like g  i j sound mortgage now when you get a mortgage  

    t聽起來更像儀表,g a g聽起來像g i j聽起來像抵押貸款,現在當你得到一個抵押貸款時

  • you pay the bank every month and you're paying  two parts of this loan you're paying the principal  


  • which is the amount that you actually borrowed so  if you borrowed let's say half a million dollars  


  • every month you're paying a certain amount let's  say two thousand dollars maybe one thousand is  


  • the principal that goes to the half million that  you borrowed and one thousand is interest which  


  • is basically the profit for the bank that you  will never get back but hopefully the value of  


  • your property goes up and you get that money  back anyway now if you end your mortgage early  


  • that's called an early termination okay you can  also say early termination for a lease but then  


  • it's already a breach of contract when you when  you end a mortgage agreement early the bank will  


  • say yeah no problem it's your house you can do  whatever you want but you will pay a penalty


  • you will have to give the bank some money  because they're losing money because of you  


  • because they went through all the paperwork they  did all the stuff they need to get paid if you  


  • leave the mortgage early if you own property you  pay property tax okay if you're renting you don't  


  • pay property tax the owners do again make sure  that wherever you live you find out the rules  


  • because it may be different i know that in some  places renters pay the property tax not the owners  


  • so make sure you find out in canada for example  owners pay the property tax renters don't now  


  • occupancy basically this is the day that you're  allowed to move into your place if you bought  


  • a place that's brand new they have to maybe  finish doing some building and then you can  


  • occupy the house or the apartment onparticular day and then you are the occupant


  • when you own a place you're the occupant when  you're renting you're a tenant so a little bit  


  • different terminology now a lot of people  get confused between real estate and estate  


  • your estate means everything that you  own your house your car your computer  


  • your furniture your jewelry all of  this is your estate the real part


  • the real part is just property house apartment  condominium etc now there are different types  


  • of real estate there's residential that's  where people live that's where they reside  


  • okay and that's right there to reside means to  live in a place and commercial stores factories  


  • industrial situations these are all commercial  real estate now when you're renting a place  


  • then you generally have a landlord it could be the  owner or it could be just someone that the owner  


  • hired to run the place a lot of buildings  if you're living in a condominium or  


  • an apartment will have a superintendent  now generally an apartment will have a  


  • superintendent in a condominium it's the same  thing but they call it a property manager  


  • okay when you own the place if you ownhouse you are the property manager if you  


  • own the condominium you still have a property  manager who takes care of all the common areas  


  • the common areas are the hallways the elevators  the lobby the gym whatever features the building  


  • has okay and a superintendent is the person who  cleans up the apartment make sure everything's  


  • working properly if the if the elevator breaks  the superintendent will call the technician to  


  • fix it etc okay now when you're going to look for  an apartment you can go by yourself to a building  

    修理好了等等 好了,現在你要去找房子的時候,你可以自己去找一棟樓了

  • and find out if they have any units or you can  go through an agent a real estate agent or a real  


  • estate broker a broker usually buying and selling  an agent is buying selling and renting they'll  


  • find you a place and they'll find tenants for  the owners brokers and agents work on commission  


  • so they take a percentage of the of the deal  if you buy a house the agent will take the real  


  • estate agent will take three four five percent  of the total cost so that could be a big chunk of  


  • money agents and brokers for renting they'll take  a certain fee okay so they'll work on and you'll  


  • have to find out what that is with different  agencies okay so again basic introduction this  


  • will help you make some decisions and when you go  talk to agents and when you go talk to landlords  


  • you'll know hopefully what they're talking about  because you've learned this vocabulary if you have  


  • any questions about any of this please go to and ask me in the comments section  


  • there's also a quiz to make sure you can review  and test your understanding of these words  


  • and that's it if you like the video  please give me a thumbs up and a like  


  • don't forget to subscribe to my youtube  channel and come back for more helpful  


  • vocab to let you get ready for your new life in an  english-speaking country okay until next time bye

    詞彙,讓你為在英語國家的新生活做好準備 好的,直到下一次再見

hi welcome to i'm adam in today's  video i want to give you a bit of an introduction  


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