房地產行業常用的幾個術語

房地產行業常用的幾個術語

Common Terms Used In Real Estate

不管你是一個久經風雨的投資人還是第一次買房者，如果你想買賣房地產，還是應該熟悉一下一些行業術語。下麵是列出了幾個房地產業常用的術語和簡短的解釋：
If you are looking at buying or selling real estate whether you are a seasoned investor or a first time home buyer you should be familiar with some of the terminology.  Here is a short list of a few common terms and a brief description.

浮動利率貸款（ARM）：
這是一種房屋貸款，通常起始的利率要比固定利率貸款要低，但在初始利率有效期過後利率要按照貸款方的貸款成本定期調整。
Adjustable Rate Mortgage (ARM).

A type mortgage having an interest rate which is usually initially lower than that of a mortgage with a fixed rate but is adjusted periodically according to the cost of funds to the lender

 

Annual Percentage Rate (APR).

Everything financed in your mortgage loan package (interest, loan fees, points or other charges) expressed as a percentage of the loan amount (usually slightly above the actual interest rate alone).

 

Assumable Loan.

A loan in which the lender is willing to "transfer" from the previous owner of the home to the new owner, sometimes at the same interest rate, sometimes at a new rate. An assumable loan can make your home more attractive to buyers when you want to sell. Often the new buyer has to qualify for the assumption just as they would for a new loan.

 過戶費用
是買主在王成過戶手續時需要支付的首付款以外的其他費用，這包括點數，貸款保險費，房屋保險，預付的地產稅等等。過戶費用平均要占貸款總額的3%到4%。

Closing Costs.

Costs the buyer must pay at the time of closing in addition to the down payment: including points, mortgage insurance premium, homeowners insurance, prepayments for property taxes, etc. Closing costs average 3% to 4% of the loan amount.

 先決條件
是下買房意願時附帶的條件，比如像可能的買主需要成功地買掉現在的房子這樣的條件。
Contingency.

A condition put on an offer to buy a home; such as the prospective buyer making an offer contingent on his or her successful sale of a present home.

 常規貸款
是指的不需要從聯邦房管局（FHA）或退伍軍人事務部(VA)買保險的貸款，一般都需要有10%到20%的首付款。

Conventional Mortgage.

A type of mortgage not insured by either the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA), and thus usually requiring a 10% to 20% down payment.

 約金
是買方支付的一種抵押金，表明有意願會接著完成整個購買過程。約金會被放在一個抵押中介機構的帳戶中，當過戶完成時會成為首付款或過戶費用的一部分。

Earnest Money.

Funds submitted with an offer to show "good faith" to follow through with the purchase. Earnest money is placed by the buyer into an escrow/trust account until closing, when it becomes part of the down payment or closing costs.

 交易中介保管
是交易中的一個過程，其間交易的文書款項和產權證交由買賣方之外的第三方保管。

Escrow.

A procedure in which documents or transfers of cash and property are put in the care of a qualified third party, other than the buyer or seller.

 聯邦房管局保險的貸款
借貸的貸款由聯邦房管局保了險，這種貸款需要的首付要比大多數貸款商要求的常規貸款中的首付少。

FHA Financing.

Financing for a loan which will be insured against loss by the Federal Housing Administration. Such financing allows for a lower down payment than required by most lenders.

 

Homeowners Insurance.

Insurance that protects the homeowner from casualty (losses or damage to the home or personal property) and from liability (damages to other people or property). Required by the lender and usually included in the monthly mortgage payment.

 

Loan Origination Fee.

A fee charged by the lender for evaluating, preparing, and submitting a proposed mortgage loan.

 

Mortgage Insurance Premium (MIP).

A charge paid by the borrower (usually as part of the closing costs) to obtain financing, especially when making a down payment of less than 20 percent of the purchase price, for example on an FHA-insured loan.

 

Point

An amount equal to one percent of the principal amount being borrowed. The lender may charge the borrower several points in order to provide the loan.

 

Property Taxes.

Taxes (based on the assessed value of the home) paid by the homeowner for community services such as schools, public works, and other costs of local government. Paid as a part of the monthly mortgage payment.

 

Title Insurance.

Protects lenders and homeowners against loss of their interest in property due to legal defects in the title

 

VA Loan.

A loan guaranteed by the Department of Veterans Affairs against loss to the lender, and made through a private lender.

 

可繼承貸款
是一種貸款商允許從上一個屋主轉讓給新的屋主的貸款，貸款利率可能不變，也可能需要調整。當你賣房時，可繼承貸款可以使你的房子對買主更有吸引力。一般說來，新的屋主必須要通過集成的資格審核，正像申請新的貸款一樣。

折合年利率（APR）
是把貸款計劃中所有的因素（包括利息，貸款手續費，點數和其他費用）都考慮在一起後得出的一個年均的相當於貸款額的百分比的折合利率，通常比實際說的貸款利率要稍高一些。