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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.
Which of the following statements can correctly define a foreclosed property?
选项 A、Foreclosed properties are those that have been repossessed by the bank for non-disbursement of the mortgage.
B、Foreclosed properties are those properties that have been claimed by investors for non-disbursement of the mortgage.
C、A foreclosed property is one that has been repossessed by the owner by paying off the mortgage.
D、A foreclosed property is one that property investors are competing to obtain for profits at an public auction.
答案A
解析 该题考核内容为第二段，考查“被取消分期付款权的贷款房产(foreclosed property)”的定义。从第二段的第一句话可知：被取消分期付款权的贷款房产(foreclosed proper-ty)指的是，放贷者以房产所有人不支付抵押贷款为缘由而收回的贷款房产。从此段第二句还可以得知，“收回者”(即“放贷者”)通常是银行。从最后一句话可以得出“被取消分期付款权的贷款房产(foreclosed property)”通常由银行从房产所有人处收回产权。故再来看选项。A项的说法跟原定义几乎是同样的表达，不同的地方只是用“the bank(银行)”替换了原句中的“the lender(放贷者)”，从分析中可以得出，the bank就是“the lender(放贷者)”。故据此可以判断，A项为正确选项。B项错在使用了“investors(投资者)”来代替“the bank(银行)”。C项意为“房屋所有人通过偿付抵押贷款而重新获得的房产”，这显然是错误的。D项意为“房产投资者们在公开拍卖会上互相竞争竞拍的房产”，这显然也没有讲出重点，不是“被取消分期付款权的贷款房产(foreclosed property)”的概念。故B、C、D项都是错误的选项。
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