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所在平台: Udemy |
课程主页: https://www.udemy.com/course/personal-finance-6-housing-purchase-vs-renting/
课程评论：没有评论
**课程名称：** 个人理财：住房 - 购买还是租赁 **课程概述：** 本课程将深入探讨个人住房决策，重点关注购买与租赁之间的权衡。我们将分析住房决策的复杂性，特别是考虑到购房作为一项长期投资，其高昂的成本以及与租赁模式在时间框架上的差异。 课程内容涵盖： * **租赁决策：** 如何选择合适的公寓，以及如何分析和理解租赁协议。 * **购房流程：** 了解远程购房选项，购房时的房屋检查重要性，购房时间框架，以及实用的购房应用程序。 * **首次购房者融资：** 涵盖基础融资知识，如何申请抵押贷款，抵押贷款条款的含义，以及房产托管（escrow）流程。 * **贷款比较：** 比较贷款官（loan officer）和抵押贷款经纪人（mortgage broker）的角色，并深入了解不同贷款的特点。 **实践与工具：** 课程提供实践练习，并附带可下载的Excel工作簿（亦可在Google Sheets中打开）。这些工作簿通常包含至少两个标签页：一个提供答案密钥，帮助学生理解解题思路；另一个则用于逐步解答练习题，与教学视频同步。
The course will focus on personal housing decisions.The course will discuss how to approach the decision of purchasing or renting a home, which can be very complex given the long-term investment nature of a home purchase, the high cost relative to other expenses, and the different time frames between renting and purchasing.We will discuss decisions related to renting, like selecting an apartment and analyzing the lease agreement.Learners will understand concepts related to the home purchasing process. We will discuss the options for buying a home remotely, the importance of an inspection, the time frame to buy a home, and home buying apps that can be useful in the home buying process.The course will also cover financing basics for first-time homebuyers, how to apply for a mortgage, what a mortgage clause is, and describe the escrow process.We will compare a loan officer and a mortgage broker. Learners will understand different loan characteristics and much more.The course will also have practice problems, including downloadable Excel Workbooks, which users may also open using Google Sheets.The Excel Workbooks will generally have at least two tabs. One tab will have the answer key so learners can deconstruct the problem. The second tab is where we work the practice problem step-by-step along with the instructional videos.
