2012年10月29日 星期一
2012年10月28日 星期日
2012年6月4日 星期一
如何看懂地籍謄本
對購屋人來說，最怕的就是付了屋款、卻拿不到產權，或是拿到有瑕疪的產權。雖然透過有信譽的房仲公司可以幫你做好產權調閱的動作，但市場上仍有不少房屋是由屋主自售，這時候購屋人就必須先做好功課，才能確保權益。
在購屋之前，民眾一定要掌握的文件是權狀(土地及建物)及謄本(土地及建物)，因為它們可說是房子的身分證明，要先看清楚才能安心購買。
◎教你看懂房屋所有權狀
■看土地所有權狀要注意的五個要項：
1.所有權人：核對所有權人的名字及身分證字號，是否與屋主為同一人。如果賣方與屋主不同人，必須確認賣方具有有效之代理權，代理權的認定必須要有屋主印鑑證明、蓋印鑑章之授權書以及身份證明文件三種證明文件，另外在授權書中，也應有以下字樣：委託○○○代理房屋出賣事宜，並代為收授價金及交付標的物之權限。
2.坐落/地號：注意土地所在的地段及地籍編號，一筆土地就會有一張權狀，有些建物坐落的土地不只一筆，屋主有幾筆土地，就應有幾張土地所有權狀。
3.地目：一般住宅用地是「建」，若是「道」就有可能為道路預定地，有被政府徵收的可能。
4.面積：指的是該建物座落土地的總面積。
5.權利範圍：表示該戶所持分的土地面積，土地比房屋值錢，因此土地持分愈多愈好。
■看建物所有權狀要注意的六個要項
1.所有權人：注意所有權人姓名及身分證字號是否與賣方相同，並且也應查明建物與土地權狀是否為同一人。
2.建築完成日期：以此判斷房屋的屋齡，應與使用執照上日期相同。
3.建材：建築物所使用的建材，最常見的是鋼筋混凝土，也有較高級的鋼骨結構，老舊一點則為磚造。通常銀行在貸款時，會視建築物的完成日期及建材決定折舊率，也會影響貸款額度。
4.主要用途：也就是建築物的使用用途，有商業用、住宅用等，這會影響到建築物的使用限制，若是住宅用就不能變更做為商業用途，如果要變更使用用途，則必須配合看土地使用分區，是否可以變更。
5.面積：一般買賣時所謂的坪數，都是指主建物面積（房屋的室內面積）、附屬建物（即陽台或花台，在權狀上會分別標示出來）及公共設施面積的加總。建物的登記分為「面積」是指主建物的面積，「總面積」則是加上其他建物，例如夾層、樓中樓等部分面積，但不包括「附屬建物」、「公共設施」的面積。（詳見備註）
6.權利範圍：可看出所有權人是與他人共同持有，或是個別持有。
◎教你看懂登記謄本
權狀是靜態文件，而且是由屋主提供，有偽造的可能；而謄本是動態的，可以完全的呈現房屋的產權，必須向地政機關調閱，所以買屋只看權狀是不夠的，更重要的是調閱謄本。
錫山土地代書事務所胡錫山表示，在謄本中要特別注意的是，他項權利中的房屋貸款扺押的情況，這部分是權狀中看不見的。永慶房屋產權課課長陳俊宏也認為，由於房屋的買賣流程需要二至三個月，但銀行抵押設定只需二至三天，有些不肖屋主在交易過程中，再將房屋設定抵押，所以購屋人在買屋時，必須從動態變化的謄本中掌握最新的資訊。
◎看土地登記謄本要注意五個要項：
土地登記謄本分成標示部、所有權部及他項權利部，要特別注意的是所有權部及他項權利部。土地所有權部，主要記載土地所有權人的權利範圍、住所及所有權狀；而他項權利部，則可看出土地的權利、權利的種類及狀況等。
1.權狀字號：賣方所持有的權狀字號與土地謄本上的是否相同，若不是很可能就是屋主偽造假謄本，容易產生糾紛。
2.其他登記事項：備考欄是否有查封、限制登記等字眼，否則無法過戶。
3.權利種類：有向銀行貸款的土地，權利人即為金融機構，權利的總類做為抵押權。
4.權利價值：代表抵押銀行擁有的權利總值，若比房屋售價高，表示屋主拿到全部屋款還不夠支付欠銀行的部分，要小心屋主無法完全清償而影響過戶。
5.共同擔保地號/建號：共同擔保地號及建號是否與所有權狀相同，如果不同，可能屋主只拿一塊土地做為出售，並未將其他的土地予以過戶，這就是有瑕疵的產權。
◎看建物登記謄本要注意的二個要項
至於建物登記謄本，在標示部及所有權部中，必須核對是否與建物所有權狀相同。一般而言，他項權利部的設定都包含了土地及建物，因此，應和土地所有權狀一起看。要注意的有：
1.權利人：一般都是向銀行貸款，所以將房屋抵押給銀行，所以在所有權人欄中應該是銀行，若是有其他的所有權人，可能就要注意。
2.權利種類：若有設定地上權或租賃權，表示他項權利部的所有權人具有優先購買權。購屋人應請賣方在契約書中註明負責排除，過戶時應在申請書備註欄註明優先購買權人已放棄其優先購買權，並蓋上賣方印鑑。
◎查閱土地及建物謄本Step by Step
Step1:向賣方索取房屋資料
要申請土地登記謄本，要知道地段及地號；若是申請建物登記謄本，必須要附上地號、建號以及所有權人的身分證字號。
Step2:到地政事務所
目前有部分地區的地政事務所已完成連線，只要向服務台索取地政事務所地籍謄本及閱覽申請書即可。
Step3:填寫申請書
申請項目勾選「電子資料登記謄本」的「個人全部」項，並填上房屋地段、地號、建號及所有權人（即賣方）資料。
Step4:排隊辦理
填寫申請書後抽取號碼牌，等候叫號至指定櫃，再出示身分證及繳付申請費用，每頁20元。
Step5:領取收據及謄本。
◎備註：
在查看面積時要特別留意建築物的公共設施總面積及所持有的權利範圍，也就是公共設施，一般有分大公及小公，通常建商在出售時的坪數都已經包含了公設面積，因此，購屋人要將公設減去，才是真正的使用面積。所謂大公是指全體所有權人共同持有的部分，如一樓門廳、電梯機房、管理室、配電室、屋頂突出物等，而小公則是部分所有權人共同持有的部分，如當層的走道、電梯間、樓梯間等。
在購屋之前，民眾一定要掌握的文件是權狀(土地及建物)及謄本(土地及建物)，因為它們可說是房子的身分證明，要先看清楚才能安心購買。
◎教你看懂房屋所有權狀
■看土地所有權狀要注意的五個要項：
1.所有權人：核對所有權人的名字及身分證字號，是否與屋主為同一人。如果賣方與屋主不同人，必須確認賣方具有有效之代理權，代理權的認定必須要有屋主印鑑證明、蓋印鑑章之授權書以及身份證明文件三種證明文件，另外在授權書中，也應有以下字樣：委託○○○代理房屋出賣事宜，並代為收授價金及交付標的物之權限。
2.坐落/地號：注意土地所在的地段及地籍編號，一筆土地就會有一張權狀，有些建物坐落的土地不只一筆，屋主有幾筆土地，就應有幾張土地所有權狀。
3.地目：一般住宅用地是「建」，若是「道」就有可能為道路預定地，有被政府徵收的可能。
4.面積：指的是該建物座落土地的總面積。
5.權利範圍：表示該戶所持分的土地面積，土地比房屋值錢，因此土地持分愈多愈好。
■看建物所有權狀要注意的六個要項
1.所有權人：注意所有權人姓名及身分證字號是否與賣方相同，並且也應查明建物與土地權狀是否為同一人。
2.建築完成日期：以此判斷房屋的屋齡，應與使用執照上日期相同。
3.建材：建築物所使用的建材，最常見的是鋼筋混凝土，也有較高級的鋼骨結構，老舊一點則為磚造。通常銀行在貸款時，會視建築物的完成日期及建材決定折舊率，也會影響貸款額度。
4.主要用途：也就是建築物的使用用途，有商業用、住宅用等，這會影響到建築物的使用限制，若是住宅用就不能變更做為商業用途，如果要變更使用用途，則必須配合看土地使用分區，是否可以變更。
5.面積：一般買賣時所謂的坪數，都是指主建物面積（房屋的室內面積）、附屬建物（即陽台或花台，在權狀上會分別標示出來）及公共設施面積的加總。建物的登記分為「面積」是指主建物的面積，「總面積」則是加上其他建物，例如夾層、樓中樓等部分面積，但不包括「附屬建物」、「公共設施」的面積。（詳見備註）
6.權利範圍：可看出所有權人是與他人共同持有，或是個別持有。
◎教你看懂登記謄本
權狀是靜態文件，而且是由屋主提供，有偽造的可能；而謄本是動態的，可以完全的呈現房屋的產權，必須向地政機關調閱，所以買屋只看權狀是不夠的，更重要的是調閱謄本。
錫山土地代書事務所胡錫山表示，在謄本中要特別注意的是，他項權利中的房屋貸款扺押的情況，這部分是權狀中看不見的。永慶房屋產權課課長陳俊宏也認為，由於房屋的買賣流程需要二至三個月，但銀行抵押設定只需二至三天，有些不肖屋主在交易過程中，再將房屋設定抵押，所以購屋人在買屋時，必須從動態變化的謄本中掌握最新的資訊。
◎看土地登記謄本要注意五個要項：
土地登記謄本分成標示部、所有權部及他項權利部，要特別注意的是所有權部及他項權利部。土地所有權部，主要記載土地所有權人的權利範圍、住所及所有權狀；而他項權利部，則可看出土地的權利、權利的種類及狀況等。
1.權狀字號：賣方所持有的權狀字號與土地謄本上的是否相同，若不是很可能就是屋主偽造假謄本，容易產生糾紛。
2.其他登記事項：備考欄是否有查封、限制登記等字眼，否則無法過戶。
3.權利種類：有向銀行貸款的土地，權利人即為金融機構，權利的總類做為抵押權。
4.權利價值：代表抵押銀行擁有的權利總值，若比房屋售價高，表示屋主拿到全部屋款還不夠支付欠銀行的部分，要小心屋主無法完全清償而影響過戶。
5.共同擔保地號/建號：共同擔保地號及建號是否與所有權狀相同，如果不同，可能屋主只拿一塊土地做為出售，並未將其他的土地予以過戶，這就是有瑕疵的產權。
◎看建物登記謄本要注意的二個要項
至於建物登記謄本，在標示部及所有權部中，必須核對是否與建物所有權狀相同。一般而言，他項權利部的設定都包含了土地及建物，因此，應和土地所有權狀一起看。要注意的有：
1.權利人：一般都是向銀行貸款，所以將房屋抵押給銀行，所以在所有權人欄中應該是銀行，若是有其他的所有權人，可能就要注意。
2.權利種類：若有設定地上權或租賃權，表示他項權利部的所有權人具有優先購買權。購屋人應請賣方在契約書中註明負責排除，過戶時應在申請書備註欄註明優先購買權人已放棄其優先購買權，並蓋上賣方印鑑。
◎查閱土地及建物謄本Step by Step
Step1:向賣方索取房屋資料
要申請土地登記謄本，要知道地段及地號；若是申請建物登記謄本，必須要附上地號、建號以及所有權人的身分證字號。
Step2:到地政事務所
目前有部分地區的地政事務所已完成連線，只要向服務台索取地政事務所地籍謄本及閱覽申請書即可。
Step3:填寫申請書
申請項目勾選「電子資料登記謄本」的「個人全部」項，並填上房屋地段、地號、建號及所有權人（即賣方）資料。
Step4:排隊辦理
填寫申請書後抽取號碼牌，等候叫號至指定櫃，再出示身分證及繳付申請費用，每頁20元。
Step5:領取收據及謄本。
◎備註：
在查看面積時要特別留意建築物的公共設施總面積及所持有的權利範圍，也就是公共設施，一般有分大公及小公，通常建商在出售時的坪數都已經包含了公設面積，因此，購屋人要將公設減去，才是真正的使用面積。所謂大公是指全體所有權人共同持有的部分，如一樓門廳、電梯機房、管理室、配電室、屋頂突出物等，而小公則是部分所有權人共同持有的部分，如當層的走道、電梯間、樓梯間等。
2011年8月31日 星期三
0831 Parents Can Help Kids Get Over Their Fears 空中英語教室
Fear of Server Weather
Why it's common:
Because instances of severe weather are few and far between, children don't have much experience of how to react.
How to overcome it:"Make sure they know what to do if the severe weather happens," Begotka said. Do this by making a map of the house with directions of what to do and where to go.
Dealing with Scared Kids
Pediatric psychologist Andrea Begotka and clinical pyschologist Kathleen Longeway offer tips on how to handle a scared child:
The key to overcomeing a fear is gradual exposure.
This means you shouldn't pressure your child into engaging with their fear immediately, but do so little by little, and at the child's pace. this is the way to help overcome fear of clowns, spiders, dogs, etc.
*Children model their parent's behavior. When a child sees you acting calmlyin a scary situation, he or she will learn to react the same way.
*A security object can be used for multiple fears.
* A fear becomes a phobia when the fear interferes with your child's day-to-day functioning, or if it causes excessive anxiety. If you're concerned, discuss it with your child's pediatrician.
Grannar on the go
The salewomen was trying to pressure me into buying her products.
When a teenager struggles with peer pressure, it means he has friends or classmates who are pressuring him to do things he doesn't want to do.
I'm eager to see my friends.
I'm anxious to see my friends.
This kind of job offer is few and far between. You'd better grap this opportunity.
Early exposure to all kiind of music styles helped this child become a natural musician.
Intense exposure to the sun can severe sunburn.
Miranda has a phobia of mice. she get hysterical when she sees one.
Claustrophobia
Why it's common:
Because instances of severe weather are few and far between, children don't have much experience of how to react.
How to overcome it:"Make sure they know what to do if the severe weather happens," Begotka said. Do this by making a map of the house with directions of what to do and where to go.
Dealing with Scared Kids
Pediatric psychologist Andrea Begotka and clinical pyschologist Kathleen Longeway offer tips on how to handle a scared child:
The key to overcomeing a fear is gradual exposure.
This means you shouldn't pressure your child into engaging with their fear immediately, but do so little by little, and at the child's pace. this is the way to help overcome fear of clowns, spiders, dogs, etc.
*Children model their parent's behavior. When a child sees you acting calmlyin a scary situation, he or she will learn to react the same way.
*A security object can be used for multiple fears.
* A fear becomes a phobia when the fear interferes with your child's day-to-day functioning, or if it causes excessive anxiety. If you're concerned, discuss it with your child's pediatrician.
Grannar on the go
The salewomen was trying to pressure me into buying her products.
When a teenager struggles with peer pressure, it means he has friends or classmates who are pressuring him to do things he doesn't want to do.
I'm eager to see my friends.
I'm anxious to see my friends.
This kind of job offer is few and far between. You'd better grap this opportunity.
Early exposure to all kiind of music styles helped this child become a natural musician.
Intense exposure to the sun can severe sunburn.
Miranda has a phobia of mice. she get hysterical when she sees one.
Claustrophobia
2011年8月30日 星期二
0830 Parents Can Help Kids Get Over Their Fears 空中英語教室
Fear of dogs
Why it's common: this is often because of a bad experience with a dog, but it also happens when children are unfamiliar with dogs. How to overcome it: Begotka said parents should teach their child the proper way to introduce themselves to dogs. Children can turn to the side sightly so if the dog jumps on them, they won't gt hurt. Before petting a dog, the child should hold out his or her hand and allow the dog to sniff it.
Fear of the Dark
Why it's common:" In the dark,they don't know what's in the room with them," Begotka said." Their mind are imaginative at that age, so they can imagine things that are really scary."
How to overcome it: Begotka and Longeway both recommanded a nightlight, a tactic that helped Emily Clearwater when she was afraid of the dark. Begotka and Longeway also recommand giving the child a security object, like a blanket or a teddy bear.
Fear of Needles
Why it's common:"It causes some sort of discomfort," Begotak said. "It's scary to have someone poking something into you." How to overcome it: This is another opportunity for a special security object, which can be given to the child for reassurance. Begotka also suggested distracting a child by talking about something else while the shot is administered, holding the child or telling the child to count how long it takes.
How do you overcome your fear?
to be overcome
overcome with sadness = get choked up
Karen is unfamiliar with our computer operating system. we need to give her a hand.
Howard knows all kinds of tactics to get customers to buy his products.
The coach suddenly changed his tactics and the opponents were completely lost.
Freddy is taking a big exam tomorrow, so don't distract him now.
Don is easily distracted, so he has to study in a quiet environment.
Why it's common: this is often because of a bad experience with a dog, but it also happens when children are unfamiliar with dogs. How to overcome it: Begotka said parents should teach their child the proper way to introduce themselves to dogs. Children can turn to the side sightly so if the dog jumps on them, they won't gt hurt. Before petting a dog, the child should hold out his or her hand and allow the dog to sniff it.
Fear of the Dark
Why it's common:" In the dark,they don't know what's in the room with them," Begotka said." Their mind are imaginative at that age, so they can imagine things that are really scary."
How to overcome it: Begotka and Longeway both recommanded a nightlight, a tactic that helped Emily Clearwater when she was afraid of the dark. Begotka and Longeway also recommand giving the child a security object, like a blanket or a teddy bear.
Fear of Needles
Why it's common:"It causes some sort of discomfort," Begotak said. "It's scary to have someone poking something into you." How to overcome it: This is another opportunity for a special security object, which can be given to the child for reassurance. Begotka also suggested distracting a child by talking about something else while the shot is administered, holding the child or telling the child to count how long it takes.
How do you overcome your fear?
to be overcome
overcome with sadness = get choked up
Karen is unfamiliar with our computer operating system. we need to give her a hand.
Howard knows all kinds of tactics to get customers to buy his products.
The coach suddenly changed his tactics and the opponents were completely lost.
Freddy is taking a big exam tomorrow, so don't distract him now.
Don is easily distracted, so he has to study in a quiet environment.
0829 Parents Can Help Kids Get Over Their Fears 空中英語教室
Emily Clearwater, 7 , says she isn't afraid of anything. her mother, Jennifer Clearwater of Port Washington, Wis., would disagree. " I know something you're scared of that you're not admitting to. Insects," Jennifer said. " You're scared of bugs!" As it turns out, Emily also is afraid of getting shots, the dark (but only "kind of" and getting lost (which is often the subject of her bad dreams). She isn't alone. All children have fears - it's a natural parts of life. Overcoming them is a rite of passage and a sign that we're growing up.
For advice on coping with common childhood fears, we spoke with pediatric psychologist Andrea Begotka and clinical psychologist Kathleen Longway of Children's Hospital of Wisconsin.
Separation Anxiety
Why it's commons: Begotka said this boils down to the attachment a child has to his or her parents. how to overcome it: Begotka's 15-month-old son, Jake, just went through a mild separation anxiety phase. She said the key is to establish trust between you and your child. " We came and left the room frequently when home to show him that we come back when we leave," she said.
Are yiu hungry ?Yes, I'm kind of hungry.
She's kind of weird.
boil down to something (歸結於)
In this tribe, hunting your first bear is considered an important rite of passage.
Getting a part time job in high school is a rite of passage in my family.
All interns are required to have hundreds of clinical training hours before they can become a formal doctor.
Clinical trial of the treatment will take serveral years.
All the problems at school can be boiled down to the child's need for attention.
For advice on coping with common childhood fears, we spoke with pediatric psychologist Andrea Begotka and clinical psychologist Kathleen Longway of Children's Hospital of Wisconsin.
Separation Anxiety
Why it's commons: Begotka said this boils down to the attachment a child has to his or her parents. how to overcome it: Begotka's 15-month-old son, Jake, just went through a mild separation anxiety phase. She said the key is to establish trust between you and your child. " We came and left the room frequently when home to show him that we come back when we leave," she said.
Are yiu hungry ?Yes, I'm kind of hungry.
She's kind of weird.
boil down to something (歸結於)
In this tribe, hunting your first bear is considered an important rite of passage.
Getting a part time job in high school is a rite of passage in my family.
All interns are required to have hundreds of clinical training hours before they can become a formal doctor.
Clinical trial of the treatment will take serveral years.
All the problems at school can be boiled down to the child's need for attention.
0827 The World Championships in Athletics 空中英語教室
Today marks the beginning of the 13th World Championships in Athletics. Hosted by Daegu, Korea, the championships bring together top athletics for nine days of sporting excellence. Sometimes called "track and field," the sport of athletics includes a wide range of well-known events. These include the 100-meter race, the long jump and the discus throw. Athletics event usually don't require a lot of expensive equipment. They also tend to have simple rules.
One just needs to run the fastest, jump the highest or throw the farthest in order to win. Athletic is also the sport many people think of when they think of the Olympics. Many modern athletics events have their root in the ancient Olympics. In fact, until 1983, the Olympics were actually considered the world Athletic Championships. all these things make athletics popular with people all over the world. Its broad appeal also means these World Champioships should feature some terrific competition that's worth watching.
Grammar on the go
The meeting is next week,so don't forget to mark your calendar.
Lantern Festival marks the end of the Chinese Lunar New Year celebration.
Today marks the 100th Anniversary celebration of our university.
athlete's foot
The Athlete's Foot
Lucy got on the athletics team because she's a fast runner.
A good athlete needs to have strong will and self-discipline.
far --> farthest
Tony chose to sit in the chair farthest away from his teacher.
Tai-chung is the farthest south I've ever been.
Sam entered a chess competition.
The swimming competition will take place tomorrow morning.
The fierce competition between the two teams made the headlines new today.
One just needs to run the fastest, jump the highest or throw the farthest in order to win. Athletic is also the sport many people think of when they think of the Olympics. Many modern athletics events have their root in the ancient Olympics. In fact, until 1983, the Olympics were actually considered the world Athletic Championships. all these things make athletics popular with people all over the world. Its broad appeal also means these World Champioships should feature some terrific competition that's worth watching.
Grammar on the go
The meeting is next week,so don't forget to mark your calendar.
Lantern Festival marks the end of the Chinese Lunar New Year celebration.
Today marks the 100th Anniversary celebration of our university.
athlete's foot
The Athlete's Foot
Lucy got on the athletics team because she's a fast runner.
A good athlete needs to have strong will and self-discipline.
far --> farthest
Tony chose to sit in the chair farthest away from his teacher.
Tai-chung is the farthest south I've ever been.
Sam entered a chess competition.
The swimming competition will take place tomorrow morning.
The fierce competition between the two teams made the headlines new today.
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