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買房前須知
Buying a house is an exciting but scary step. Home ownership means making an investment in your future, but it also means committing to stay put, at least for a while. Before you make that commitment, you should ensure you are making an informed decision, and not one based on how beautiful the home is or your desire to be on your own.
買房子是令人興奮卻又讓人慌亂的一步。房屋所有權意味著對你的未來做了一次投資，此外也表示將承諾紮根於此，至少也會是一段時間。在你做出承諾前，你應該明瞭你正在做一項明智的決定，而不是因為房子是多麼漂亮或是你渴望能獨立。
1. Your Financial Situation
你的財務狀況
Just because you qualify for a loan does not necessarily mean you should take a loan. On the other hand, if you don't think you can qualify for a loan, you might be mistaken. When you consider buying a home, sit down with a professional--a loan counselor at your bank or a representative from the U.S. Housing and Urban Development, for instance--and discuss your options. Have tax and income documents ready, as well as a list of your expenses and a copy of your credit report.
僅僅因為你夠資格去貸款也不意味著你應該貸款。換句話說，如果你認為自己沒有資格申請貸款，那你可能誤解了。當你在考慮買房時，和專業人士一起坐著談談你的選擇——比方說銀行的貸款諮詢顧問或是美國住房和城市發展部的辦事員。準備好稅收和收入的檔案證明，以及開銷清單和一份信用報告。
According to CNN Money, you should try to find a home that is two and a half times your yearly salary. So, if you have a yearly salary of $40,000, you should not choose a house that costs more than $120,000. However, if you have large loan payments or other expenses, you may not want to, or be qualified to, go that high. Ask the professional to help you get a good picture of your earnings, expenses and how they would change if you bought a home.
根據CNN財經頻道，你找的房子房價應該是你年薪的2.5倍。所以，如果你年薪40,000美元，你不應該選成本超過120,000美元的房子。然而， 如果你有大額貸款或其它開銷，你可能不會想或是沒有資格去申請那麼多的貸款。諮詢專業人士，讓他們幫你明瞭你的收入、支出，以及如果你想買房收支應該做哪些調整。
2. Home's History
房屋概況
A beautiful home on several acres of green yard might look appealing, but that pretty picture could be hiding problems that will cost you thousands of dollars and hours of lost sleep in the long run. According to the American Association of Realtors, you should find out as much as you can about the home before you buy.
帶有幾畝綠地庭院的漂亮房子可能看起來很有吸引力，但這美麗的'畫面背後可能隱藏著諸多問題，從長遠來看，這些問題將花費你上千美元，以及引發不少失眠。據美國房地產經紀人協會的建議，在你買房前，你應該找出儘可能多的關於這個房子的情況。
Even issues that have been repaired can give you insight into what problems you might be facing a few years down the road. Get a home inspection and carefully go over the results with your inspector. If anything in the home makes you suspicious, don't hesitate to order another inspection from a different company.
即使問題已經解決，在接下來的幾年時間裡你可以對將來要面臨的問題做到心中有數。對房子做檢查，認認真真地和檢查人員審視檢查結果。如果你對房子有任何疑慮，毫不猶豫地請另一家公司再做一次檢查。
