Transcript 106. 用零頭款買房子不是購屋置產，那是財務自殺

唐冠軍教室 珠璣集
106. A zero-down mortgage is not your solution to buying real estate;
it’s financial suicide.
106. 用零頭款買房子不是購屋置產，那是財務自殺
導向成功的金玉良言 --- 成功秘碼 21條
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Remember, that when purchasing real estate, do not go beyond your
financial means. Taking on too much debt will not make your life easier; it
will only make you live in stress and panic.
「購屋置產時，不可超過你的財務能力。打腫臉充胖子，舉債過度，不會使你財務
變得更寬鬆，相反的，只會使你財務變得更緊張 / 驚慌。」
Without detailed financial planning, you should not take on a loan to invest
in anything—it could be very risky to do so.
「沒有詳盡的財務計劃之前，就冒失的借錢投資，這是極其危險的事。 」
You need to evaluate your financial capacity prior to buying a house. You
must not bite off more than you can chew and go beyond your financial
means.
「買房子的時候，要衡量自己的實力，千萬不要打腫臉充胖子，超越自己財務負擔
的極限。」
People with no habit of saving money tend to buy on credit, over-charging
their credit cards.
「許多沒有儲蓄習慣的人，總是「提前消費、超前消費」，亂刷信用卡就是一例。」
It’s a very dangerous habit to over-charge on credit cards and buy things
with borrowed money.
「刷爆信用卡，借錢消費，絕對是一種要不得的壞習慣。」
You’re not buying a house by taking on a zero-down mortgage—you are
effectively committing financial suicide.
「用零頭款買房子不是購屋置產，而是財務自殺。」
People who take on zero-down mortgages too often end up in tragedy—
they either lose their house or their credit.
「用零頭款買房子的人，多數沒有好下場，不是房子被沒收，就是信用破產。」
When buying a house, you must clearly understand why you’re making
the purchase and your financial capacity, striking a balance between wish
and reality.
「買房子的時候，一定先要知道你的購屋目的與財務實力，並在希望與現實中做
一個平衡。」
You can’t buy a house with no money, let alone a big and fancy mansion.
This should be common sense, and yet some people still choose to ignore
their own limitations.
「沒有錢不能買房子，沒有錢也不能買大房子，沒有錢也更不能買豪宅。這些簡單
的道理人人都懂，但是就是有人守不住這個量入為出的原則。」
If your income can only afford a house of $200,000, don’t go for one that
costs half a million. If you really want a house that costs half a million, don’t
dream of getting it for just $200,000.
「如果你只有買20萬元房子的能力，你就不要去買50萬元的房子。如果你喜歡上一
幢50萬元的房子，你就不要想用20萬元買到它。」
Dreams must be grounded in reality. When buying a house, make sure it
matches your income level.
「夢想一定要與現實配合。買房子時，一定要與你的現金實力相配合。」
Reality might be grim at times, but I still have to face it— it’s simply part of life.
「雖然我討厭現實，但我必需面對現實，這就是現實生活的一部份。」
Sports cars, mansions, diamond and jewelry are all indications of a man’s
wealth. However, if you don’t really have the money, don’t take on debts just
to feed your ego.
「名車、豪宅、鑽戒代表一種有錢人的身份，但是如果你的財力不夠，你就不要勉強
自己，用借來的錢來充面子。」
When buying a foreclosed property, the bank (seller) chooses the buyer, not
the other way around. This means that unless you have a great credit score
and ample down payment, you can forget about getting a bank-owned house.
「買銀行屋是銀行選擇買主，不是買主選擇銀行 ( 賣主)。如果你的信用不好、頭款
不足、收入不夠，你休想買到銀行屋。」
There are a lot of bank-owned properties that are selling at great prices. It’s a
pity if you have to miss out on the action.
「目前市面上有許多銀行屋真的很便宜，這麼一塊大餅，若是你看得到卻吃不到，
真的是很可惜。」
Never, ever buy with a zero-down mortgage, for you would only be hurting
yourself and your family.
「千萬、千萬不要用零頭款買房子，如果你那樣做，那是會害到自己，害到家人
的。」
Buying real estate requires substantial investment; are you prepared for
that? Any debt you take on must be repaid in installments; are you
prepared for that? Life is unpredictable, and you may need emergency
cash on the drop of a dime; are you prepared for that?
「買房子時需要大錢，你準備好了嗎？」「借來的錢需要分期還錢，你還錢的能力，
準備好了嗎？」「天有不測風雨，你的周轉金/現金準備好了嗎？」
Before setting out to do anything, you need to have a plan and prepare
yourself; buying a house is no exception.
「凡做事要有計劃，要有準備，買房子的事當然也不例外。」
If you are unclear of your own financial strength, buying a house without
proper consideration will only cause you to end up losing your house.
「不知自己斤量有多重。如果你糊裡糊塗的買子，你也會糊裡糊塗的失去房子。」
Don’t covet what is not yours, and don’t indulge yourself with what you
have. Learn to have self-control.
「不是你的，你不要貪。是你的，你也不要貪，要有節制，適可而止。」
Don’t be upset if you can’t afford a big house. You can still own a modest
home that belongs to you.
「如果你沒錢買大房子，不要難過，因為你還有機會買小房子。」
If you can’t afford your dream house yet, take it one step at a time. Buy a
small house first and trade up later on. Keep in mind to never buy a mansion
beyond your means.
「 如果你能力不夠，買房子的事，可以一步一步來，先買小房子，以後再換大房子。
Never, ever buy with a zero-down mortgage, for you would only be hurting
yourself and your family.
「千萬、千萬不要用零頭款買房子，如果你那樣做，那是會害到自己，害到家人的。」
Fancy mansions are for those who can afford it, not for people with no savings
and no down payment.
「豪宅是給有錢人住的，豪宅不是給零儲蓄、零頭款的人住的。」
No matter how small your house may be, you are still in a much better place
than the homeless on the street. Know that a grateful heart goes a long way in
finding happiness in life.
「不管你住的房子有多小，至少，你比街上的流浪漢幸運的多。能知道感恩惜福的人，
才是幸福。」
A graceful heart finds beauty in everything. Cherish the home you have, and
don’t envy others’ houses. This is the secret to finding happiness.
「心裡美 ， 看任何東西都會美」 珍惜你自己的房子，不要去羡慕(比較)別人的房子，
這就是幸福的秘訣。」
In many ways poverty is the best university. If you can complete all the
courses it entails, there’s simply no limit to what you can achieve later in life.
「貧困是一所最好的大學，如果你能夠修完所有學分的話，在你未來的人生，還有
什麼不能超越與突破呢？」
The social status you’re born into is not important, as long as you are willing
to work hard, and study hard; if you have the tenacity to carry on no matter
what, you are bound to find success later on in life.
「不怕出生低，只要能吃苦耐勞，努力學習，奮發圖強，堅強地挺下去，這對你的下
半生成功會有很大的助益。」
Being born into an impoverished family can be seen as a God-given chance to
make you stronger through trials and tribulations.
「如果你出生在一個貧窮的家庭裡，讓你受到苦難，那是上天給你磨練與成長的機
會。」
Poverty can drive a man to work harder, for in difficult times, people tend to
become stronger and more resilient.
「貧窮可使一個人勤奮工作，在困苦的環境下，會使人筋骨更加強壯。」
Being poor is nothing to be ashamed of. But what can lead to poverty is selfpity, laziness, and lack of ambition.
「貧窮不是恥辱，但是自哀自憐、放棄學習、偷懶不工作，就會造成貧窮。」
Nobody enjoys being born into a financially-challenged family, but you should
know that with your own hard work, you can rise above this poverty and build
a better life for yourself. Only when you are willing to put in the effort in your
studies and in work, can you truly rid yourself of poverty.
「沒有人喜歡出生在貧窮家庭之中，但是你可以憑自己的努力，選擇後半輩子不貧窮。
你唯有奮發圖強、努力學習，吃苦耐勞，才能脫離貧窮。」
Those who have weathered true hardships always end up a better man. So
tough out the hard times and learn to be a better man.
「吃得苦中苦，才為人上人。吃得苦中苦，學習做人上人。」
We must strive to find a solution to our problems, difficulties, poverty, debts,
and ignorance.
「面對問題，要解決問題。」，「面對困境，要解決困境。」，「面對貧窮，要解決
貧窮。」，「面對負債，要解決負債。」，「面對無知，要解決無知。」
The impoverished should keep on learning, so as to build a solid foundation
for future success.
「愈是貧窮，愈是要堅持學習，這樣你成功的基礎才能堅實穩固。」
Those in poverty need to work extra hard, for only then can you realize your
dream of great wealth.
「愈是貧窮，愈是要奮發圖強。這樣你才能成功實現你的發財夢。」
Prior to buying a house, you must be properly prepared in order to avoid a
doomed investment. If you carelessly buy a house beyond your means, your
investment will quickly become a failure.
「唯有做好購屋前的準備工作，才能讓你的投資不致失敗。 若是你打腫臉充胖子，糊
裡糊塗的買子，那只會加速你的投資失敗。」
All investments carry inherent risks, which must be evaluated prior to the
decision to invest. If you’ll be risking more than you can stand to lose, you
should not make that investment.
「任何投資都帶有風險，投資前一定要評估風險。如果風險大過你的承受力，那就不
可投資。」
Without ample savings and income to back you up, you should not risk
investing in real estate.
「沒有強有力的後續財力支持，絕不可冒險投資 (購屋置產)。」
Zero-down mortgages are highly risky and obviously beyond your financial
means, which is why such mortgage plans should be avoided at all cost.
「零頭款購屋」的風險極大，且明顯超過你的承受力，所以那就不可投資。
Zero-down mortgage is not your solution to buying a house. It is the
equivalent of financial suicide.
「用零頭款買房子不是購屋置產，那是財務自殺。」
You must not go beyond your financial means when buying a house. If
you borrow beyond your means, your investment won’t make you richer.
In fact it will only make you sink further into poverty.
「購屋置產時，不可超過你的能力。如果你打腫臉充胖子，舉債過度，你的冒險
投資不會使你變得更富裕，相反的，你冒險的投資只會使你變得更貧窮。」
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