单选题 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.

单选题 In the first paragraph, the word "foreclose" here is similar to
【正确答案】 B
【答案解析】[答案精解] 正确理解四个选项中的每一个单词的含义非常重要。这里先要区分一下四个词的含义:reject意为“拒绝,退回”;control意为“控制,操纵”;prevent意为“预防,防止”;disqualified意为“取消……的资格,宣布或认定……不合格”。阅读本文的前一两段便可以判断只有control在含义上接近原词foreclose,故B项为正确选项。
单选题 Which of the following statements can correctly define a foreclosed property?
【正确答案】 A
【答案解析】[答案精解] 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 property)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项显然是错误的。D项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。
单选题 Who is the legitimate owner of a foreclosed property?
【正确答案】 B
【答案解析】[答案精解] 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(foreclosed property)”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?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。
单选题 A property is officially foreclosed
【正确答案】 D
【答案解析】[答案精解] 阅读第三段,可以得出,其内容讲的是房产被正式取消分期付款权之前的阶段(即preforeclosure),而A项和B项所讲的信息均与此阶段有关,因此都不能成为foreclosure的标志点。直到文章的第五段,我们才发现房产被“officially foreclosed”的关键词。而文中的标志信息为“当地方官员去该房产处向业主出示责令搬出去的通知,并在大门上张贴公开出售的公告”的时候正好是该房产被officially foreclosed的时刻。另外,文中的“当地官员”正好对应D项中的“政府”,故D项为正确选项。从此处也可以得出,“公开出售”不是“officially foreclosed”的标志事件,而是foreclosure后的后续事件,故C项错误。故A、B、C项均被排除。
单选题 The following statements about this article are correct except
【正确答案】 B
【答案解析】[答案精解] 该题判断为排除错误选项题,此类题一般考查考生对于全文的整体把握与理解。通观全文,只有B项不符合文义,表达错误,这样的判断依据为文章最后一段: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.(然而,需要认识到,如果房产没有卖到最低拍卖价,银行作为房产拥有者,非常可能会收回房产,不予出售)。
单选题 Which of the following would be the most suitable title for the article?
【正确答案】 D
【答案解析】[答案精解] 首先,文章的首段明确提出:投资房产的一个非常可观的机会就是投资被取消分期付款权的贷款房产。其次,文章的末段末句作为总结句,讲的是“总之,投资被取消分期付款权的房产可以是一个相当不错的赚取利润的机会”。这里再次强调了本文的中心思想。故可以判断D项,因为出现了“invest(投资)”,“被回收的foreclosed"和“房产(property)”三个关键信息词,所以最符合本文的中心意思,最适合做本文的题目,为正确选项。而其他选项中由于缺乏部分关键词或关键信息而不能完整地表达该文的中心思想,故被排除。