You’ll need them to make a longer-term goal, such as a trip once they graduate, if you have a teen-ager, or a down payment on a car, or even something a little smaller.
你要做的是引导他们制定一个长远目标，比如毕业之后的人生之路，假如他们有了一个十来岁的孩子，买了一辆预付定金的车或是其他小事。
For most people, the smart way to buy a home is to make a big down payment.
对于大多数人来说，聪明的办法是购房时首期付款尽可能多支付。
Avoiding PMI The easiest way to avoid PMI is to make a cash down payment of 20% or more.
避免死亡是最容易的死亡方式，避免现金作首付20%或更多。
People buying homes need only make a 20% down-payment to obtain a mortgage, except in the five conurbations, where they must put down 30%.
购房者只需支付20%的首付款即可获得房屋贷款（这五个城市则需要付30%）；
People buying homes need only make a 20% down-payment to obtain a mortgage, except in the five conurbations, where they must put down 30%.
购房者只需支付20%的首付款即可获得房屋贷款（这五个城市则需要付30%）；
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