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  

但我要談的是租房與房地產之間的區別。

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

財產和購買財產好了，這對正在考慮的人特別有用。

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

移民到一個講英語的國家，你不確定你知道你有哪些選擇

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

你想做什麼，或者即使你已經在一個講英語的國家，你想

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  

當你做決定的時候，你會遇到這樣的話，好吧，我們來看看

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

在租房或租賃的地方，我們要看一下買房，所以讓我們開始吧。

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

在租房方面，你有兩個選擇，當你想得到一個不需要購買的地方時，你可以租房。

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  

簽署一個特定時間的合同，通常是一年，也許是兩年，在合同結束時。

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

你既可以成為租戶，也可以簽署一份新的租約，以另一個固定期限的價格租給你。

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

如果你已經租了一個地方，或者你已經在租賃，現在就可以設定固定的月供價格。

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

一個地方，也許你想去度個長假，或者你想去某個地方待上一年。

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

工作或學習，但你想保留你的公寓或共管公寓或你的房子。

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

可以轉租或分租，它們本質上意味著同樣的事情，意味著你租用或你租賃你的

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

公寓給別人，這樣那個人就會付給你錢，你就會付給原業主或

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

無論情況如何，現在繼續這樣下去，當你租一個地方時，一般你必須

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

給予押金，這是你給房東或你給業主的一定數額的錢。

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

以確保你總是支付你的款項，如果你錯過了付款，他們將從你的賬戶中扣除。

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

如果你對房產造成任何損害，他們將從你的押金中扣除這筆錢，如果你

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

如果你在租期結束時已經支付了所有的賬單，並且在租期結束時離開

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

你沒有損壞房子，你就能拿回那筆錢，押金通常會有利息。

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

現在很多地方的押金基本上都是首尾相連的，所以你要支付你的第一個

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

一個月的租金和最後一個月的租金，如果你錯過了一次付款，他們就會拿走這些錢。

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

最後一個月的付款，然後你又欠他們最後一個月的住宿費。

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

現在，當你一般來說，當你得到分配的租約時，你就會簽署一份合同。

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

在許多地方，他們還讓你簽署一份租金合同，只是為了保護你的利益。

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  

對雙方都有一定的規則，這也是為了保護大家的利益，如果你違反了

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

如果你違反了任何規則，如果你在時間到期前離開，或者如果你做了一些

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

損害，或者如果你違反了一些如果你不遵守規則，那麼你就違反了合同和

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

這是一個非常大的問題，因為這樣一來，財產的所有者就會著手或開始進行

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  

你欠他們的錢，加上他們花的時間，再加上你的錢，他們會從你身上拿走很多錢。

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

律師，他們正在僱用，如果你達到了合同，對你來說可能是非常昂貴的，因為那時你

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

你是一個責任，你是一個花錢的東西，你是一個風險，所以你不想這樣做。

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

如果你違反了規則，或者你違反了合同，房主可以把你趕走。

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

他們可以讓你離開這裡，你去哪裡不是他們的問題。

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

確保你遵守規則，確保你支付你的每月賬單，否則

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

他們中的一些人如果不驅逐你，就是把你趕出去，他們可能會

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

他們會說，好吧，你的租約下個月就結束了，我們不想再籤新的合同。

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

請在下個月月底前騰出房產，離開就是驅逐的意思。

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

他們把你趕出去，可能會有一些訴訟，他們只是告訴你，你要騰出手來。

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

在這個時候，你必須離開，這就是現在你尋找的所有東西。

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

你必須尋找有空缺的建築，這意味著有人搬走了，這就是公寓或共管公寓。

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

有一個空的組織、部門，你可以搬進去，如果你去一個大樓，看到一個標誌，上面寫著

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

沒有空缺，意味著他們沒有任何空的組織、部門，沒有任何套房給你。

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

必須尋找其他地方，好的，現在當你租房或租賃的時候，你是一個租戶，你住在這裡。

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

你每月支付賬單，你是一個租戶，你基本上沒有所有權。

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

現在，當它來的時候，好吧，我馬上就會說到這一點，讓我們現在去看看擁有財產的問題。

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

如果你有足夠的錢，你可以支付全額款項，一般來說，你就可以買下這個地方。

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

大多數人不這樣做，它實際上對你沒有意義，最好是放下某個

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

首付金額為20%-30%，然後在一段時期內付清財產。

time okay when you when that happens you get a  loan from the bank which is called a mortgage no  

當你發生這種情況時，你從銀行獲得貸款，這被稱為抵押貸款。

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  

你每個月向銀行付款，你要支付這筆貸款的兩個部分，你要支付本金

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

這是你實際借到的金額，所以如果你借了50萬美元，比方說

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

每個月你要支付一定的金額，比如說兩千美元，也許是一千美元。

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

本金是你所借的50萬，1000是利息。

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

基本上是銀行的利潤，你永遠不會拿回來，但希望能有價值。

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

你的房產上漲了，如果你提前結束抵押貸款，你就能拿回這筆錢。

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

這被稱為提前終止，你也可以說是提前終止租賃，但是

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

當你提前結束抵押貸款協議時，已經是一種違約行為，銀行將

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

說是的，沒問題，這是你的房子，你可以做任何你想做的事，但你要支付罰款。

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

你將不得不給銀行一些錢，因為他們因為你而虧損。

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

因為他們經歷了所有的文書工作，他們做了所有的事情，他們需要得到報酬，如果你

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

提前離開抵押貸款，如果你擁有房產，你就支付房產稅，如果你租房，你就不支付

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

繳納房產稅的業主再次確保，無論你住在哪裡，都要弄清規則。

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

因為這可能是不同的，我知道在一些地方，租房者支付房產稅，而不是業主。

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

所以一定要弄清楚，比如在加拿大，業主要交房產稅，租房者現在不需要。

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

基本上這是你被允許搬進你的地方的日子，如果你買了

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

一個全新的地方，他們也許必須完成一些建設，然後你可以

occupy the house or the apartment on a  particular day and then you are the occupant

在某一天佔用房屋或公寓，那麼你就是居住者。

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

當你擁有一個地方時，你是居住者，當你租房時，你是租戶，所以有一點

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

不同的術語，現在很多人混淆了房地產和不動產之間的關係。

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

你的財產是指你擁有的一切，你的房子，你的汽車，你的電腦

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

你的傢俱，你的珠寶，所有這些都是你的財產。

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

真正的部分只是財產，房屋，公寓等，現在有不同的類型。

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

房地產中的住宅是人們居住的地方，是他們居住的地方。

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

好的，這就是居住的意思，住在一個地方和商業商店的工廠。

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

工業情況下，這些都是商業地產，現在當你租用一個地方時，這些都是商業地產。

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

那麼你通常有一個房東，可能是業主，也可能只是業主的人。

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

如果你住在一個公寓或者是其他地方，你可以僱人去管理這些地方的很多建築。

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

一個公寓會有一個管理員，現在一般一個公寓會有一個管理員。

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

公寓的管理員，這是同樣的事情，但他們稱之為物業經理。

okay when you own the place if you own a  house you are the property manager if you  

好吧，當你擁有的地方，如果你擁有一棟房子，你就是物業經理，如果你

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

擁有公寓，你仍然有一個物業經理，負責照顧所有的公共區域。

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

公共區域是指走廊、電梯、大堂、健身房，以及大樓的任何功能。

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

監管人是打掃公寓的人，確保一切都在進行中。

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

如果電梯壞了，管理員會打電話給技術員，讓他來處理。

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  

找出他們是否有任何組織、部門，或者你可以通過一個代理人，一個房地產經紀人或一個真正的

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

房地產經紀人經紀人通常是買和賣，經紀人是買賣和租賃，他們會

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

為你找到一個地方，他們會為業主找到租客，經紀人和代理人按佣金工作。

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

所以他們會從交易中抽取一定比例的資金，如果你買了一棟房子，經紀人會抽取真正的資金。

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

房地產經紀人會從總成本中抽取百分之三、四、五，所以這可能是一大塊錢。

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

租用金錢的代理人和經紀人，他們會收取一定的費用，所以他們會工作，你會

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

必須找出不同機構的情況，好了，再一次基本介紹一下。

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

將幫助你做出一些決定，當你去和中介交談，當你去和房東交談時

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

你會知道希望他們在說什麼，因為你已經學會了這些詞彙，如果你有

any questions about any of this please go to  inkvid.com and ask me in the comments section  

關於這些的任何問題，請到inkvid.com，在評論區問我。

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

還有一個小測驗，以確保你能複習和測試你對這些單詞的理解。

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

就這樣，如果你喜歡這個視頻，請給我一個大拇指和一個贊。

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

不要忘記訂閱我的YouTube頻道，並回來獲取更多有用的資訊。

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