English Conversation Practice (Rent or buy a house?) Improve English Speaking Skills

hello Felipe I'm happy you  came come in take a seat

你好，费利佩，我很高兴你进来坐下，

please hello Richard wow it's the first  time I come to your apartment I like it  

请你好，理查德，哇，这是我第一次来到你的公寓，我喜欢它，

thank you it is next to the beach  we can go there later if you want

谢谢你，它靠近海滩，如果你愿意，我们可以稍后去那里，

yeah sure but I need to ask you  something how much does this apartment

是的，但我需要问你这套公寓要多少钱

cost I would really like to buy an apartment  like this it must be really expensive

我真的很想买一套这样的公寓 它一定很贵

right I don't know I think it's  $200,000 or something like that  

对吧 我不知道 我认为它是 200,000 美元或类似的东西

I am not the owner I just rent this apartment  I don't know the price but yeah I suppose  

我不是业主 我只是租用这套公寓 我不知道价格，但是我想

it's expensive seriously I can't believe  you and how much do you pay to rent this

它真的很贵我不敢相信你，你要花多少钱租这套

apartment $1,000 approximately  comes with garage and

公寓大约1,000美元，附带车库和

storage one $1,000 M that's not cheap well for

储藏室1,0亿美元，对 我来说，有那么多钱

me with that amount of money why  don't you better buy this or other

可不便宜 你为什么不最好买这套或其他

apartment I mean isn't it better to buy  your own house why are you renting this

公寓我的意思是不是买自己的房子更好你为什么要租这套

apartment that's how I also thought in the past  but then I understood that it's not better to

公寓这也是我过去的想法但后来我明白买不是更好

buy I prefer to rent that's much better  in my opinion in my case it suits me

我更喜欢我认为租金要好得多，就我而言，它

better now I don't think so with money  you can be paying for a house your own

现在更适合我，我不认为用钱你可以买自己的房子，

house how can you say it's better to  rent explain it to me please because  

你怎么能说租房更好，请向我解释一下，因为

I don't get it all right for some renting is  considered throwing money away while buying is  

我不这样做对于某些人来说，租房被认为是浪费钱，而购买是

an investment the truth is the answer to rent  versus buy question is much more complex than

一种投资。事实是，租与买问题的答案要复杂得多，而

that it's more like which size fits  me I will explain it to you as I said  

更像是哪种尺寸适合我，我将向您解释，就像我所说的那样

before the biggest myth about renting  is that you're throwing away money every

关于租房的最大神话是你每个月都在浪费钱，

month this is not true after all you need a  place to live and that always cost money in one  

但这不是真的，毕竟你需要一个住的地方，而且总是以某种

way or another while it's true that you aren't  building Equity with monthly rent payments not  

方式花费金钱，而事实上你并没有通过每月建立资产租金支付并非

all the cost of home ownership always go toward  building Equity when you rent you know exactly  

所有拥有房屋的成本总是用于建立公平性，当您租房时，您确切地知道

your housing cost each month but one advantage  is no maintenance costs or repair bills that's  

每个月的住房成本，但一个优点是没有维护成本或维修费用，这是

excellent one of the benefits of renting a home  is that there are no maintenance cost or repair  

很好的租房房屋的好处之一是没有维护费用或维修

bills this means that when you rent a property  your landlord assumes full responsibility for  

费用，这意味着当您租用房产时，您的房东对

all maintenance Improvement and repairs if an  appliance stops working or your roof starts to

所有维护、改进和维修承担全部责任，如果设备停止工作或您的屋顶开始

leak you call the landlord who is required to fix  

漏水，您可以致电房东，要求其修理

or replace it I like that another Advantage is  no real estate taxes one of the major benefits  

或更换它我喜欢这样另一个优点是没有房地产税

of renting versus owning is that renters  don't have to pay property taxes in some  

租房与拥有的主要好处之一是，在某些地区，租房者不必缴纳房产税，

areas the cost associated with property taxes  can amount to thousands of dollars each year  

每年与房产税相关的费用可能高达数千美元，

what else oh I know more flexibility as to  where to live renters can live practically

还有什么，我知道更多居住地点的灵活性 租房者几乎可以住在

anywhere while home owners are restricted  to areas where they can afford to buy  

任何地方，而房主则仅限于他们有能力购买的地区，

that's too bad although rents can be  high in areas where home values are  

这太糟糕了，尽管在房屋价值

also High renters are more apt to to find an  affordable monthly payment than home buyers

也较高的地区，租金可能很高 高租房者更倾向于找到负担得起的月租

seriously also the flexibility to  downsize renters have the option to

与 购房者相比，付款

downsize to more affordable living  spaces at the end of their lease this  

方式

kind of flexibility is especially  especially important for people  

也 很

who want a less costly smaller  alternative that matches their

重要

budget for example me now I am  paying $1,000 for this beautiful

我现在为这套漂亮的

apartment but if something happens or if I want  I can move to a cheaper apartment whenever I want  

公寓支付 1,000 美元，但如果发生什么事情或者如果我愿意，我可以随时搬到更便宜的公寓，

want now you know what is my favorite reason  to rent this apartment rather than buying

现在你知道我租这套公寓而不是购买

it no down payment yeah renters generally have  to pay a security deposit that that is equal  

它的最喜欢的原因是什么？通常需要支付相当于一个月租金的保证金

to one month rent and that's usually  all this deposit is returned to them  

，通常所有押金都会

when they move out provided  they haven't damaged the rental

在他们搬出时退还给他们，前提是他们

property when purchasing a home with a Mortage  you are required to have a sizable down payment  

在购买带有抵押贷款的房屋时没有损坏租赁财产相当大的首付，

typically around 20% of the properties  value that's a lot of money my friend

通常约为房产价值的 20%，这是很多钱，我的朋友，

I had that money yeah I  could buy a house I had saved

我有这笔钱，是的，我可以买一栋房子，我节省了

$220,000 but instead of using that money for  a down payment on a house I decided to invest

220,000 美元，但我没有用这笔钱来支付房子的首付，而是决定投资

it I started my own business with that and I also  invested in other things and it worked for me  

我以此开始了自己的生意，我还投资了其他东西，它对我有用，

now I have my business and maybe in the  future I could buy a house with the money it

现在我有了自己的生意，也许将来我可以用它

produces that's interesting you know I was saving  money to buy my own house it was my dream but now  

产生的钱买房子，这很有趣，你知道我在存钱买房子我自己的房子是我的梦想，但现在

that you told me about the benefits of renting  a house I think I will better rent well wait a  

你告诉我租房子的好处，我想我最好租房子，等等，

minute it is not for everyone if you like  businesses and you can work hard then you  

这并不适合每个人，如果你喜欢企业并且你可以努力工作，那么你

can choose that option but you need to  educate yourself before investing that  

可以选择这个选项，但你需要在投资之前先进行自我教育

money if you don't have the financial education  to make that money grow it's better not to do

钱如果你没有接受过金融教育来让钱增长，那么最好不要这样做，

it better buy the that house and thus you will  pay the fee month after month along with the

最好买那栋房子，因此你将逐月支付费用以及

interest as I told you before it's not for  everyone plus buying a house has also its

利息，正如我之前告诉你的那样，这并不适合所有人加上买房子

benefits really and what are  those benefits I want to know

确实也有它的好处，我想知道这些好处是什么，

please well there are many of them maybe  after you listen to me you can take a better

有很多，也许在你听完我的讲话后，你可以做出更好的

decision but it will have to be in another  video because we don't have time now I'm

决定，但它必须在另一个视频中，因为我们不这样做现在有时间了我很

sorry oh damn it okay what do you say guy is  it better to rent or own a house I hope you  

抱歉哦该死的好吧你说什么伙计是租房更好还是拥有房子更好我希望你

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可以加入我们或点击超级感谢按钮，非常感谢您的支持，保重