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  3. Read the following article about investment in foreclosed properties and the questions on the opposite page. For each questi

Read the following article about investment in foreclosed properties and the questions on the opposite page. For each questi

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问题     Read the following article about investment in foreclosed properties and the questions on the
opposite page.
    For each question(15-20), mark ones letter(A, B, C or D)on your Answer Sheet.
    An incredible opportunity for real estate investors is investing in foreclosure. Foreclosed homes repeatedly sell at deep discounts; which provides buyers a straightforward opportunity to profit. Because foreclosed homes are often highly discounted, they can be purchased and sold with a large return. Homes that are facing or have vanished by way of foreclosure often meet the investing goals of both the long term investor and the investor that plans to flip the property.
    Plainly stated, a foreclosed property is one that has been repossessed by the lender for non-disbursement of the mortgage. Since the majority mortgages are collateralised by the actual property, a dwelling that has gone through foreclosure has re-claimed by the bank. There are a lot of things that occur all through this progression, and depending on which status the residence is located, the procedure can actually take numerous months. As a consequence of the difficulty of the process as well as the length and the cost for both the bank and homeowner, there exists a chance for investors to arbitrate and help both parties in the circumstances.
    Throughout the period previous to a home is officially repossessed by the bank, the real estate investor may have an opportunity to jump in. Throughout this preforeclosure time, the bank is actively taking steps to eject the property owner and take back the house. For the duration of this time, the homeowners are in the situation that they are no longer making payments to the bank and at jeopardy of losing their credit rating, their dwelling, and even their pride. Throughout these periods, an investor can choose to intervene and buy the habitat at a discounted rate from the homeowner. Depending on the situation, the investor could be able to purchase the house for less than is owed on it(short sale)which presents an important occasion.
    As mentioned before, the preforeclosure process may last many months. Nonetheless, if a declaration is not met involving the bank and landholder or a likely investor, the route ends with the bank placing the house up for community public sale.
    The last step in a foreclosed habitat is when the regional sheriff comes to provide the eviction notice and paste the public sale notice on the front door. At that point forward, the dwelling is officially foreclosed.
    Though it is much more challenging, after a habitat is foreclosed upon, it may well be bought at a discount at community sale. Although these auctions there are certainly deals to be had. However, it is important to realise that if the smallest bid is not met, the bank that owns the property could opt to get it back. In addition, at open public sale, you are competing with a number of additional investors so you may well not get as high-quality of a contract as you would have previously. All in all though, investing in foreclosed homes can be a grand way to profit.
A property is officially foreclosed
选项 A、when the bank takes steps to take it back.
B、when an investor intervenes and shows a strong desire to buy it.
C、when the public sale is held.
D、when the government evicts it by putting up a sale notice on its door.
答案D
解析 题干意为：一个房产(在什么样的一个阶段)被正式取消分期付款权。A项意为：当银行开始采取行动收回房产的时候；B项意为：当有一个投资者参与进来，并表现出强烈的意愿想买该房产的时候；C项意为：当举行一场公开出售时；D项意为：当政府在该房产的房门贴出通知，责令房主搬出去时。阅读第三段，可以得出，其内容讲的是房产被正式取消分期付款权之前的阶段(即preforeclosure)，而A项和B项所讲的信息均与此阶段有关，因此都不能成为foreclosure的标志点。直到文章的第五段，我们才发现房产被"officially foreclosed"的关键词。而文中的标志信息为“当地方官员去该房产处向业主出示责令搬出去的通知，并在大门上张贴公开出售的公告”的时候正好是该房产被officially foreclosed的时刻。另外，文中的“当地官员”正好对应D项中的政府”，故D项为正确选项。从此处也可以得出，“公开出售”不是“officially foreclosed”的标志事件，而是foreclosure后的后续事件，故C项错误。故A、B、C项均被排除。
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