英语翻译In the U.S.today,the cost of housing is very high.It is

英语翻译
In the U.S.today,the cost of housing is very high.It is common to pay one fourth to one third of a family's income on a place to live in.The price of a house depends on its size and where it is.Bigger houses are more expensive than smaller ones,and houses closer to the center of big cities are more expensive than ones in the suburb or in small towns.In spite of the cost,it is usual for people to buy their houses over a period of time.
When a family buys a house,it is necessary to borrow money from a bank to pay for it.Then they repay the bank in regular payments.Borrowing money from the bank is called a mortgage.Families can take thirty years to pay off the mortgage.Without a mortgage it would be impossible for most people to own their houses.They pay landlords to live in their homes.The money they pay for this is called rent.Usually,it is cheaper to rent than it is to buy and to pay a mortgage.Also,when something needs to be repaired,it is easy for the renter to ask the landlord to fix it.Some people rent houses,but most renters live in apartments.Apartment buildings are located in cities where it is too costly to build houses.Recently it has become common for renters to buy their apartments.When this happens,the cost usually increases but the money goes to pay off the mortgage.Apartments bought this way are called condominiums.

注：个人认为这里的house,也就是房屋,指的是那种花园洋房.公寓指的是那种面积较小的,一幢楼房里的其中一套房子.
在今日的美国,住房的价格十分高.为住房支付家庭收入的四分之一到三分之一
是十分常见的.房屋的面积取决于它的面积和位置.面积大的房子比面积小的房
子更昂贵,并且,靠近大城市市中心的房屋比郊区和小城镇的房屋昂贵.除去价
格因素以外,美国家庭经常花好长一段时间买房.
当一个家庭购买房屋,一般都需要从银行借款来支付.然后他们通过定期支付来
还款.从银行借钱称作房屋贷款.美国家庭要用三十年时间来偿还贷款.如果没
有房屋贷款的话,对于大多数人来说是不可能拥有房子的.他们（没有买房的
人）通过付钱给房主来居住.他们付的这些钱称作租金.一般情况下,租金比买
房子并且贷款要便宜.并且,当房屋里的一些东西出故障了（坏了）,租客可以
要求房主进行修理.有一部分人租房子住,但更多租客住在公寓里.公寓建筑一
般位于因成本太高而不是适合建造房屋的城市地段.近期以来,租客经常买下他
们租住的公寓.当这个情况发生时,成本经常会增加,但是钱用来支付给银行贷
款.用这种方式来购得的公寓被称作condominiums.（我也不知道最后一个词应该怎么翻译好哈~）