2022年房地产术语 .pdf

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1、房地产 : Real estate: b?t ? ng s ?n 加速条款 : acceleration clause (?i?u kho ?n t?ng t?c ? tr ? n ?) 可调利率按揭 : adjustable-rate mortgage (ARM) (Kh? ? c c ?m c? c l? i su ?t ?i? u ch ? nh) 调整日期 : adjustment date (ngy ?i?u ch ? nh) 分期偿付 : amortization (tr? n ? d ?n) 分期偿付计划表 : amortization schedule (k? ho ?ch t

2、r ? n ? d ?n) 年利率 : annual percentage rate (APR) (T? su ?t t n d ?ng hng n?m)申请表 : application (?n xin vay)估价书 : appraisal (th?m ? nh) 估价价值 : appraised value (gi tr ? th ?m ? nh) 估价师 : appraiser (ng?i th ?m ? nh) 增值: appreciation (s? t? ng gi ) 评估价格 : assessed value (gi ? ch ? u thu ?) 估价: assessmen

3、t (gim ? nh thu?) 估税员 : assessor (ng?i ?nh m ?c thu ?) 资产: asset (t i s ?n) 转让: assignment (chuy?n nh?ng) 可继承按揭: assumable mortgage (v?n t?th ? ch ?p c th ?chuy ?n nh?ng ?c) 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 1 页，共 11 页 - - - - - - - - - 承接: assumption (n

4、h?n n ? thay) 气球式按揭 : balloon mortgage (th? ch ?p ng ?n h ?n) 气球式供款 : balloon payment (thanh to n ch t n ?) 经纪人 : broker (ng?i m? i gi ?i) 买降式(为降低利率而额外付款)贷款: buydown (thanh to n gi ?m ti ?n l? i) 封顶: cap (m?c t ?i ?a)套现再融资 : cash-out refinance (t i th ? ch ?p vay th m ti ?n) 合理价值证书 : Certificate of

5、Reasonable Value (CRV) (Ch?ng Ch? Gi Tr ? H ?p Ly ) 产权链 : chain of title (Lo?t Quy ?n S ? H ?u) 清白产权 : clear title (ch? quy ?n r? r ng) 结束: closing (?ng/k?t th c) 结束费用 : closing costs (chi ph ? ng)结束声明 : closing statement (gi?y b o k ?t th c/ ? ng)产权疑云 : cloud on title (quy?n s ? h ?u kh? ng r? r ng

6、) 共同借贷者 : co- borrower (ng?i cng ?ng t n vay) 担保物 : collateral (v?t th ? ch ?p) 佣金: commission (hoa h?ng) 公共区域估价费 : common area assessments (l? ph khu v ?c chung) 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 2 页，共 11 页 - - - - - - - - - 公共区域 : common areas (khu v?c

7、 chung) 可比较销售 : comparable sales (gi c th ? so s nh ? c) 共管公寓 : condominium (nh chung c?)共管公寓转换 : condominium conversion (chuy?n th nh chung c?)共管公寓酒店 : condominium hotel (khch s ?n chung c?)建造贷款 : construction loan (kho?n cho vay ki?n thi ?t) 合同: contract (h?p ? ng) 常规按揭 : conventional mortgage (ch

8、o vay th? ch ?p qui ?c/th?ng th?ng) 可转换ARM: convertible ARM (kh? ? c c?m c ? c l?i su ?t ?i? u ch? nh c th ? chuy ?n ? i) 合作公寓 : cooperative (co-op) (gia c? h?p t c) 资金成本指数 : cost of funds index (COFI) (ch? s? vay v ?n COFI)契约: deed (ch?ng th?)替代契约 : deed-in-lieu (ch?ng th? ng?n ng?a t ? ch bi n) 信讬

9、契约 : deed of trust (ch?ng th? ?y th c) 拖欠还贷 : default (kh?ng tr ? ? c n ?) 逾期债款 : delinquency (? n ? qu h ?n) 押金: deposit (ti?n ? t c ?c) 贬值: depreciation (gi?m gi , kh ?u hao) 折扣点数 : discount points (?i?m gi ?m) 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 3 页，共 1

10、1 页 - - - - - - - - - 首付款 : down payment (kho?n ti ?n tr ? tr? c m ?t l ?n) 转售即还条款 : due-on-sale provision (?i?u kho ?n qui ? nh l c b n) 定金 : earnest money deposit (ti ?n c?c xc nh ?n th ?c l ng mu ?n mua) 地役权 : easement (Quy?n ?a d ? ch) 征用权 : eminent domain (quy?n tr ?ng mua)侵佔: encroachment (vi

11、ph?m, xa m l ?n) 财产负担 : encumbrance (phi?n to i, tr ? ng ?i) 平等信用机会法: Equal Credit Opportunity Act (ECOA) (Lu ?t C?ng b ?ng C? h?i T n d ?ng) 净值: equity (gi tr ? t i s ?n) 记帐账户 : escrow account (ti kho ?n b ?o ch ?ng) 审查所有权 : examination of title (bo c o ki ?m tra ch? quy ?n) 独家代理 : exclusive listin

12、g (?c quy ?n rao b n) 遗嘱执行人 : executor (ng?i th ?a h nh/ thi h nh) Ng?i ?c ch ?nh trong di ch c ? qu ?n tr ? m ?t ti s?n, ph ?n? th ? c g ?i l 女遗嘱执行人(Executrix) 公平信用报告法 : Fair Credit Reporting Act (Lu?t B o Co T n D?ng Trung Th?c) 公平市场价值 : fair market value (gi tr ? th ?c s ?) 名师资料总结 - - -精品资料欢迎下载 -

13、 - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 4 页，共 11 页 - - - - - - - - - 不限嗣继承 : fee simple (ch? quy ?n tuy ?t ? i) 不限嗣地产 : fee simple estate (b?t ? ng s ?n ch ? quy ?n tuy ?t ? i) FHA 按揭贷款 : FHA mortgage (Th? ch ?p FHA) 坚定承诺 : firm commitment (cam k?t ch ?c ch ?n) 第一按揭: first mortgage

14、 (th? ch ?p th ? nh ?t) 固定利率按揭 : fixed-rate mortgage (th? ch ?p c m ?c l? i c? ?nh) 不动产固定的附属物: fixture （v?t c ? ?nh) 洪水保险 : flood insurance (b?o hi ?m l? l?t) 丧失抵押品赎回权 : foreclosure (t?ch thu ? th ? n ?) 政府贷款(按揭 ): government loan (mortgage) (kho?n cho vay/th? ch ?p c ?a ch nh ph ?) 受让人 : grantee (n

15、g?i th ? h? ng) 转让人 : grantor (ng?i chuy ?n nh?ng) 危险保险 : hazard insurance (b?o hi ?m r ?i ro) 房屋净值信用额度 : home equity line of credit (Th? ch ?p ? o Ng? c theo Gi tr ? Nh (HECM) 房屋检查 : home inspection (ki?m tra nh ) 屋主协会 : homeowners association (hi?p h ?i ch ? nh ) 屋主保险 : homeowners insurance (b?o h

16、i ?m nh ) 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 5 页，共 11 页 - - - - - - - - - 屋主担保 : homeowners warranty (b?o ? m cho ch? nh ) HUD-1 结算声明 : HUD-1 settlement statement (phi?u b o HUD-1) 联权共有 : joint tenancy (?ng s ? h ?u) 法院判决没收抵押品: judicial foreclosure (t? ch

17、 bi n do to quy ?t ?nh) 滞纳金 : late charge (ti?n ph ?t tr ? n ? tr ?) 租约: lease (h?p ?ng thu m?n) 租赁持有地产权 : leasehold estate (b?t ? ng s ?n cho thu ) 租赁选择 : lease option (thu v ?i quy ?n ch ?n mua) 法定描述 : legal description (b?n m? t ? ph p ly ) 出借人 : lender (ng?i cho vay) 债务: liabilities (trch nhi ?m

18、 n ?/kho ?n n ?) 责任保险 : liability insurance (b?o hi ?m tr ch nhi ?m) 留置权 : lien (quy?n gi ? th ? ch ?p) 期限封顶 : life cap (gi?i h ?n th ? ch ?p) 信用额度 : line of credit (h?n m ?c t n d ?ng) 流动资产 : liquid asset (ti s ?n l?u ?ng) 贷款: loan (kho?n vay) 贷款官员 : loan officer (nhan vi n cho vay) 名师资料总结 - - -精品资

19、料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 6 页，共 11 页 - - - - - - - - - 贷款发放 : loan origination (l?p h ? s? vay)贷款服务 : loan servicing (nghi?p v ? cho vay) 贷款额度价值化 : loan-to-value (LTV) (t? l? vay- tr? gi ) 锁定协议 : lock-in (th? ch ?p kho l? i su ?t) 锁定阶段 : lock-in period (th?i gi

20、an kh a l? i su ?t)差额: margin (m?c ch nh l ?ch cho ph p) 到期: maturity (?o h? n) 修订: modification (s?a ? i) 按揭: mortgage (th? ch ?p) 按揭银行家 : mortgage banker (ngan h ng th ? ch ?p) 按揭经纪人 : mortgage broker (?i ly th ? ch ?p) 承受按揭者 : mortgagee (ng? i cho vay th? ch ?p) 按揭保险 : mortgage insurance (MI) (b?

21、o hi ?m th ? ch ?p) 按揭保险费 : mortgage insurance premium (MIP) (ph b ?o hi ?m th ? ch ?p) 按揭期限和残障保险: mortgage life and disability insurance (b?o hi ?m sinh m?ng v t n t ?t lo ?i dnh cho th? ch ?p) 按揭人 : mortgagor (ng?i vay th? ch ?p) 多住户单位 : multidwelling units (?n v?c? tr nhi?u gia ?nh)负分期偿付 : negati

22、ve amortization (tr? d ?n a m) 非套现再融资 : no cash-out refinance (cho vay l?i kh?ng ?a 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 7 页，共 11 页 - - - - - - - - - ti ?n m ?t) 无成本贷款 : no-cost loan (kho?n vay kh?ng ph ) 按揭票据 : note (gi?y x c nh ?n n ?) 票据利率 : note rate (l

23、?i su ?t tr n kho ?n vay) 无点数贷款 : no-cost loan (kho?n vay kh?ng ph ) 拖欠通知 : notice of default (th?ng bo tr ? n ?) 最初本金余额 : original principal balance (s? d? g? c nguy n th ?y) 起动费 : origination fee (l? ph ph t h nh th ? ch ?p) 业主融资 : owner financing (ch? nh cho vay)部分还款 : partial payment (tr? m ?t p

24、h ?n) 还款改变日期 : payment change date (ngy thay ?i kho ?n ti ?n tr ?) 分期还款封顶 : periodic payment cap (m?c t ?i ?a kho?n tr ? ?nh k?) 定期利率封顶 : periodic rate cap (l?i su ?t t ?i ?a ? nh k ?) 个人财产 : personal property (t i s ?n c nha n) PITI 储备: PITI reserves (ti?n d ? ph ng PITI) 规划住宅单位发展(PUD) 项目: planned

25、unit development (PUD) (nh PUD) 点数: point (?i?m) 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 8 页，共 11 页 - - - - - - - - - 授权书 : power of attorney (th? ?y quy ?n) 预先批准 : pre- approval (?c ch ?p thu ?n tr?c) 提前还款 : prepayment (ti?n tr ? th m vo g ?c) 提前付清罚款 : prepay

26、ment penalty (ti?n ph ?t thanh ton tr? c h?n) 资格预审 : pre-qualification (xc nh ?n tr?c l ? ?i? u ki ?n) 优惠利率 : prime rate (l?i su ?t ?u ?i)本金: principal (ti?n g ?c) 本金余额 : principal balance (s? d? g? c) 本金、利息、税款和保险 : principal, interest, taxes, and insurance (PITI) (ti?n g ?c, l? i, thu ? v b ?o hi ?

27、m) 私人按揭保险 : private mortgage insurance (MI) (b?o hi ?m th ?ch?p t? nhan) 本票: promissory note (gi?y cam k?t thanh to n n ?) 公开拍卖会 : public auction (?u gi c? ng c ?ng) 规划住宅单位发展(PUD) 项目: Planned Unit Development (PUD) (S ? Ph t Tri ?n Quy Ho?ch) 购买协议 : purchase agreement (h?p ? ng mua b n) 购买资金交易 : pur

28、chase money transaction (chuy?n giao ti?n mua) 产权转让契约 : quitclaim deed (v?n t? t ? b ? m ?i quy ?n l ?i) 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 9 页，共 11 页 - - - - - - - - - 利率锁定 : rate lock (kho l? i su ?t) 房地产代理 : real estate agent (?i di ?n ?a ?c) 房地产成交程序法

29、: Real Estate Settlement Procedures Act (RESPA) (Lu?t V ? Th ? T?c K ?t Th c ? a ? c) 房地产经纪人 : Realtor (nh kinh doanh b?t ? ng s ?n) 登记员 : recorder (l?c s ?) 再融资交易 : refinance transaction (giao d?ch t i ?u t?)余额: remaining balance (s? d? c n l ?i) 租金损失保险 : rent loss insurance (b?o hi ?m thi ?t h ?i

30、ti ?n thu ) 更换储备资金 : replacement reserve fund (qu? d ? tr ? ? thay th ?) 循环债务 : revolving debt (n? chu chuy?n tu ?n hon) 优先取舍权 : right of first refusal (quy?n ?u tin mua)出入权 : right of ingress or egress (quy?n ?i ra hay ?i vo)生者享有权 : right of survivorship (quy?n c ?a ng?i c n l ?i) 售后回租 : sale-lease

31、back (bn-thu l ?i) 第二按揭 : second mortgage (th? ch ?p th ? hai/ph?) 二级市场 : secondary market (th?tr? ng th ? c ?p) 担保贷款 : secured loan (kho?n vay c b ?o ? m) 卖方携回 : seller carry-back (ng?i b n lo th? ch ?p) 成交声明 : settlement statement (b?n khai thanh ly) 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - -

32、- - - - - 名师精心整理 - - - - - - - 第 10 页，共 11 页 - - - - - - - - - 土地分割 : subdivision (phan l? ) 从属融资 : subordinate financing (kho?n vay ph?) 测量: survey (tr?c ?a) 血汗产权 : sweat equity (gi tr ?lao ? ng) 共有产权 : tenancy in common (s? h?u chung) 由第三方起动 : third-party origination (pht h nh t ? b n th ? ba) 产权:

33、 title (quy?n s ? h ?u) 产权公司 : title company (c?ng ty x c minh quy?n s ? h ?u) 产权保险 : title insurance (b?o hi ?m quy ?n s ? h ?u) 产权调查 : title search (r so t quy ?n s ? h ?u) 所有权转让 : transfer of ownership (chuy?n nh?ng quy?n s ?h?u) 转让税 : transfer tax (thu? chuy ?n nh?ng) 诚实借贷法 : Truth-in-Lending (trung th?c khi cho vay) 两步式按揭 : two-step mortgage (th? ch ?p hai b?c) 2 至 4 个家庭财产 : two- to four-family property (b?t ? ng s ?n hai ? n b ?n gia ? nh)托管人 : trustee (ng?i ? c ?y th c)名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 11 页，共 11 页 - - - - - - - - -