英语翻译如果谁还有知道关于seller financing 的相关知识,或者什么extras Although any

英语翻译
如果谁还有知道关于seller financing 的相关知识,或者什么extras
Although any loan used for buying real estate is strictly called a purchase money mortgage,the term is often employed for seller financing,those transactions in which you "take back" a mortgage as part of the purchase price.These arrangements are suitable,of course,only when you do not need your proceeds immediately toward the purchase of another home.
Taking back financing could make your property easier to sell during a difficult mortgage market.You might hold out for a higher sale price or interest rate,because your buyers will have fewer closing costs than usual.And sometimes your income tax situation,particularly with investment property,makes it advantageous to receive the proceeds over a period of years.
But seller financing is sometimes sought by buyers who cannot qualify for regular financing,and then the question arises:if a bank won't trust them with a loan,why should you?
A large down payment,of course,represents some safety.If you ever had to foreclose,the debt might be covered by the sale of the property.And asking for a large down payment serves to separate strong buyers from those who are weak financially -- unless,of course,they're going out and borrowing the down payment elsewhere.In that case they could end up with unmanageable payments,which would put your loan in danger.
So you should insist on an analysis of the borrower's financial position,just as a bank would.Your lawyer,accountant or broker can obtain a credit report on prospective buyers.You'll be able to see how seriously they take paying their bills.
Analyze the buyers' present debts and income to ensure that they're not getting in over their heads.Look for job stability..
If you do go ahead,have your own lawyer draw up or at least review the mortgage or trust deed documents they will sign.And be sure the mortgage is promptly entered into your county's public records,to establish the priority of your lien,your financial claim,on the property.

虽然用于购买房地产德任何贷款被严格称为购买抵押,这个词常用于卖方融资,你“收回”的抵押作为购买价格的一部分.这些安排是合适的,当然,只有当你不需要立即收益购买另一个房子时.
收回资金能使你的财产融资在困难的按揭市场变得更容易.有时你可能会坚持等待更高的销售价格和利率,因为你的买家将会比平时获得更少的房地产买卖手续费.有时,你的所得税情况,特别是与投资有关的财产,有利于在若干年后得到收益.
但卖方融资有时是被那些无法获得定期融资的买家所寻求,然后就出现一个问题:如果一个银行不会给他们任何一方贷款,那你将怎么办呢?
一个大的首期付款,当然,代表了一些安全性.如果你曾经拥有债务,你的债务可能要被计算在出售的房产上.一笔大的首付做到了将独立强大的买家分割成经济薄弱的买家——当然,除非他们出去在别处借到了首付.在这种情况下,他们会以无法控制支付告终,这将把你的贷款置于危险之中.
所以你应该像银行那样坚持分析借款人的财务状况.你的律师、会计师和经纪人可以得到一份你未来买家的信用报告.你能看出他们还付账单的严重性.
分析了买家当前的债务和收入情况确保了他们不会得到太困难.找工作的稳定性…
如果你这样做了,让你自己的律师拟定或至少检查了将要签署的抵押或信讬契约文件.可以肯定的是,抵押很快就会进入你的贷款公共记录,建立你的优先留置权,你的财产金融索赔.
哇!好累好累!看看行不行!适当的加点分也行.