但想一想这对潜在购房人的影响吧。

But consider the implications for potential homebuyers.

在签订预售合同前，房地产开发企业应向购房人出示商品房预售许可证。

Before signing of the presale Contract, the real estate developer shall show the presale license of commodity housing to the purchaser.

但购房人通常要耐下性子和贷款银行负责短售业务的相关人员相互较劲。

Before the actual foreclosure, you make an offer to buy the property for less than the mortgage loan.

其突出特点就是购房人以在建甚至未建的预购商品房作为担保物取得银行贷款，俗称“楼花按揭”。

Its prominent characteristics is that the purchaser can get the loan from the bank by using the unfinished house as pledge which is called : "Louhua Mortgage" .

在中国，购房人支付的首付款最低要达到购房款的30%，而美国在信贷泡沫期间，许多人购房可以享受零首付，他们的收入根本不足以偿还房贷。

In China, houses are bought with a minimum 30% down. In the us, during the credit boom, many people were paying 0% down with no income to back it up.