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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.
Who is the legitimate owner of a foreclosed property?
选项 A、the first-hand property owner
B、the bank
C、the investor who succeeds in the bid
D、the auctioneer
答案B
解析 该题也可以看做是变相地考查考生对于“被取消分期付款权的贷款房产(foreclosedproperty)”概念的理解，考查内容依然是第二段。题干意为：“被取消分期付款权的贷款房产(foreclosed property)”的合法拥有者是谁?A项为“一手业主”；B项为“银行”；C项为“在竞拍中获胜的投资方”；D项为“拍卖师”。而从16题的分析中可以得出：“被取消分期付款权的贷款房产(foreclosed property)”指的是由“放贷方”或“银行”重新收回的房产。而A项“一手业主”为在贷款房产被取消分期付款权的过程(即foreclosure》中失去了对房产所有权的一方；C项“在竞拍中获胜的投资方”则指的是当“被取消分期付款权的贷款房产”出现在拍卖会上之后因竞拍成功才成为该房产的所有人，这一结论可以从后面的内容中得出；D项“拍卖师”也只是在拍卖会上充当中介方的工作人员，即存在的意义只是为房产拍卖提供一种服务，在任何阶段都不可能成为房产所有人。故只有B项为正确选项。
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