房地产行业常用的几个术语

Common Terms Used In Real Estate

不管你是一个久经风雨的投资人还是第一次买房者，如果你想买卖房地产，还是应该熟悉一下一些行业术语。下面是列出了几个房地产业常用的术语和简短的解释：
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.

浮动利率贷款（ARM）：
这是一种房屋贷款，通常起始的利率要比固定利率贷款要低，但在初始利率有效期过后利率要按照贷款方的贷款成本定期调整。
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.

 过户费用
是买主在王成过户手续时需要支付的首付款以外的其他费用，这包括点数，贷款保险费，房屋保险，预付的地产税等等。过户费用平均要占贷款总额的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.

 先决条件
是下买房意愿时附带的条件，比如像可能的买主需要成功地买掉现在的房子这样的条件。
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.

 常规贷款
是指的不需要从联邦房管局（FHA）或退伍军人事务部(VA)买保险的贷款，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.

 约金
是买方支付的一种抵押金，表明有意愿会接着完成整个购买过程。约金会被放在一个抵押中介机构的帐户中，当过户完成时会成为首付款或过户费用的一部分。

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
是交易中的一个过程，其间交易的文书款项和产权证交由买卖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.

 联邦房管局保险的贷款
借贷的贷款由联邦房管局保了险，这种贷款需要的首付要比大多数贷款商要求的常规贷款中的首付少。

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.

 

可继承贷款
是一种贷款商允许从上一个屋主转让给新的屋主的贷款，贷款利率可能不变，也可能需要调整。当你卖房时，可继承贷款可以使你的房子对买主更有吸引力。一般说来，新的屋主必须要通过集成的资格审核，正像申请新的贷款一样。

折合年利率（APR）
是把贷款计划中所有的因素（包括利息，贷款手续费，点数和其他费用）都考虑在一起后得出的一个年均的相当于贷款额的百分比的折合利率，通常比实际说的贷款利率要稍高一些。