房地产英语：申请按揭手续16
房地产用英语怎么说
房地产用英语怎么说房地产既是一种客观存在的物质形态，同时也是一项法律权利。
由于其自己的特点即位置的固定性和不可移动性，在经济学上又被称为不动产。
那么你知道房地产用英语怎么说吗?下面店铺为大家带来房地产的英语说法，欢迎大家学习。
房地产的英语说法1：realty房地产的英语说法2：real estate房地产相关英语表达：房地产公司 real estate agency;房地产经纪人 real estate agent; realtor;房地产市场 real estate market;房地产业务 real estate business;房地产帐户 lot and building account房地产的英语例句：1. By his own admission, he evaded taxes as a Florida real-estate speculator.他亲口承认自己在佛罗里达从事房地产投机生意时逃过税。
2. We went straight to the estate agent and wrote out a cheque.我们径直到房地产经纪人那里开了一张支票。
3. The problem was to safeguard sites from encroachment by property development.问题是要保护遗址免受房地产开发商的侵占。
4. Sid'samazing wealth comes from holdings in oil, gas, land and property.锡德惊人的财富来自他在石油、天然气和房地产领域持有的股份。
5. The Advertising Standards Authority accused estateagents of using blatant untruths.广告标准管理局控告房地产代理商使用无耻的谎言。
房地产英语大全
2006房产宝典－房地产英语大全property 物业,资产interest 产权subsidiary 附属机构，子公司valuation 评估open market value 公开市场价值leaseback 售后回租（即租回已出售的财产)on a residual basis 剩余法capital value 资本价值cost of development 开发费（指拆迁费，七通一平费等)professional fee 专业人员费（指勘察设计费等）finance costs 融资成本（指利息等）sale proceeds 销售收益on the basis of capitalisation 资本还原法floor area 建筑面积title document 契约文书plaza 购物中心land use certificate 土地使用证commercial/residential complex 商住综合楼land use fee 土地使用费（获得土地使用权后,每年支付国家的使用土地费用）Grant Contract of Land Use Right 土地使用权出让合同plot ratio 容积率site coverage 建筑密度land use term 土地使用期project approval 项目许可planning approval 规划许可commission 佣金permit 许可证business license 营业执照strata-title 分层所有权public utilities 公共设施urban planning 城市规划state-owned land 国有土地fiscal allotment 财政拨款grant or transfer 出让或转让the Municipal Land Administration Bureau 市土地管理局infrastructure 基础设施financial budget 财政预算public bidding 公开招标auction 拍卖negotiation /agreement协议land efficiency 土地效益location classification 地段等级projecting parameter 规划参数government assignment 政府划拨administrative institution 行政事业单位key zones for development 重点开发区tract 大片土地biding document 标书prerequisitioned land 预征土地competent authorities 主管部门construction project 建设项目planning permit of construction engineering 建设工程规划许可证go through the formalities 办手续comprehensive sub—areas 综合分区reconstruction of old area 旧区改造purchasing power 购买力property trust 物业信托equity 权益cash flows 现金流量appreciation 增值disposition 处置hedge 保值措施income tax shelter 收入税的庇护downturn (经济）衰退wealth maximisation 最大限度的增加财产(同其他投资相比)forecast 预测rules-of-thumb techniques 经验法mortgage lender 抵押放贷者vacancy 空房discounted cash flow models 折现值现金流量模型expectation 期望值letting 出租equity reversion 权益回收bad debts 坏帐depreciation allowances 折旧费supplies 日常用品utilities 公共事业设备allowances for repairs and maintenance 维修费unpaid mortgage balance 抵押贷款欠额stamp duty印花税recession 衰退overproduction 生产过剩glut 供过于求high—technology 高科技investment strategy投资策略circulation 发行量entrepreneur 倡导者，企业家coliseum 大体育场，大剧院chambers (商业资本家联合组织的）会所arena 室内运动场socioeconomic status 社会经济地位amenities 便利设施condominium 个人占有公寓房，一套公寓房的个人所有权income bracket 收入档次tenement 分租合住的经济公寓area code (电话）地区代码community 社区assessment 估价downzone 降低区划规模housing residences住宅Residential Property for Purchase购买住宅物业典型场景Scene: ABC Properties Company场景: ABC地产代理公司A: Agent— James Wilson物业代理詹姆士。
房地产英语词汇大全
房地产英语词汇大全房地产是一个复杂而庞大的行业，涉及到各种专业术语和词汇。
如果你想在房地产领域工作或者与房地产相关的业务交流，了解并掌握相关的英语词汇显得尤为重要。
以下是房地产英语词汇的大全，可供参考。
一、基础词汇1. Property - 房产/财产2. Real estate - 房地产3. Land - 土地4. Building - 建筑物5. House - 房屋6. Apartment - 公寓7. Condominium - 共管公寓8. Commercial property - 商业地产9. Residential property - 住宅地产10. Estate - 地产/庄园11. Lease - 租约12. Rent - 租金13. Mortgage - 抵押贷款14. Landlord - 房东15. Tenant - 房客二、交易过程1. Listing - 房源信息/上市2. Buyer - 买方3. Seller - 卖方4. Agent - 经纪人/代理人5. Broker - 经纪人/经纪公司6. Offer - 出价/报价7. Counteroffer - 还价8. Acceptance - 接受9. Closing - 交割/成交10. Sale - 出售/销售11. Purchase - 购买12. Contract - 合同13. Title - 产权证书14. Deed - 契约15. Escrow - 托管三、建筑术语1. Architecture - 建筑学2. Blueprint - 蓝图3. Foundation - 基础4. Structure - 结构5. Roof - 屋顶6. Wall - 墙壁7. Floor - 地板8. Ceiling - 天花板9. Window - 窗户10. Door - 门11. Stairs - 楼梯12. Plumbing - 管道系统13. Electrical - 电气系统14. Heating - 供暖系统15. Ventilation - 通风系统四、金融和法律术语1. Loan - 贷款2. Interest rate - 利率3. Down payment - 首付4. Amortization - 摊销/分期偿还5. Foreclosure - 扣押/查封6. Property tax - 房产税7. Homeowners association - 业主协会8. Zoning - 分区规划9. Appraisal - 评估/估价10. Insurance - 保险11. Title search - 产权调查12. Lease agreement - 租赁协议13. Eviction - 驱逐14. Leasehold - 租赁权15. Notary - 公证人五、市场术语1. Market value - 市场价值2. Appreciation - 升值3. Depreciation - 折旧4. Rental yield - 租金回报率5. Return on investment - 投资回报率6. Gross income - 总收入7. Net income - 净收入8. Capital gain - 资本收益9. Cash flow - 现金流10. Vacancy rate - 空置率11. Gross leasable area - 总可租面积12. Absorption rate - 吸纳率13. Market analysis - 市场分析14. Supply and demand - 供需关系15. Property management - 物业管理六、其他词汇1. Renovation - 翻新/装修2. Property inspection - 房产检查3. Home staging - 房屋布置4. Sustainable - 可持续的5. Green building - 绿色建筑6. Amenities - 设施7. Concessions - 让步/优惠8. ROI - 投资回报（Return on Investment）的缩写9. REIT - 房地产投资信托（Real Estate Investment Trust）的缩写10. Flipping - 炒房/转让以上是房地产英语词汇的大全，涵盖了从基础词汇到建筑术语、金融法律术语以及市场术语的各个方面。
房地产英语
房地产英语1800字Real Estate EnglishReal estate is a complex and diverse industry that encompasses many different aspects and areas of expertise. From commercial property management to residential sales, investing in real estate to real estate law, the field is both dynamic and challenging. As such, it requires an extensive vocabulary and deep knowledge of industry trends, regulations, and practices.This article aims to provide a comprehensive overview of the key real estate terms, concepts and practices in English, focusing on both the commercial and residential sectors.General Real Estate Vocabulary:1. Appraisal: An estimate of a property's fair market value, completed bya licensed appraiser.2. Closing: The final stage of a real estate transaction, when the buyer and seller sign documents and transfer ownership of the property.3. Mortgage: A loan used to purchase a property, where the property serves as collateral.4. Commission: A fee paid to a real estate agent for their services in selling a property.5. Title: Legal ownership of a property.6. Deed: The document that transfers ownership of a property.7. Equity: The value of a property minus any outstanding loans or mortgages.8. Zoning: The regulation of land use within a specific area.9. Escrow: A third-party account that holds funds until the completion ofa transaction.10. Lease: A contractual agreement whereby an owner allows a tenant to use their property for a specified time period and rent.Commercial Real Estate Vocabulary:1. Asset Management: The management of a commercial property portfolio with the goal of maximizing financial returns.2. Capitalization Rate: The ratio of a property's net operating income to its value, used to estimate the property's potential return on investment.3. Net Lease: A lease agreement where the tenant pays a portion or all of the property's operating expenses on top of the rent.4. Gross Lease: A lease agreement where the landlord is responsible for all operating expenses.5. Rent Roll: A document detailing the current rents being paid on all leased areas within a commercial property.6. Tenant Improvement Allowance: A sum of money contributed by the landlord to the tenant for improvements or modifications.7. Destination Shopping: A high-end shopping center or mall that aims to attract affluent shoppers with upscale stores and amenities.8. Class A, B, and C Properties: A classification system to determine the quality, age and overall condition of commercial real estate. Class A properties are the newest and most desirable, attracting high-end tenants, while Class C properties are older and require more maintenance and renovations to attract tenants.9. Triple Net Lease: A lease agreement where the tenant is responsible for all operating expenses, as well as property taxes, insurance and maintenance.10. Absorption Rate: The rate at which available commercial space is leased or sold within a specific area over a set time period.Residential Real Estate Vocabulary:1. Open House: A scheduled viewing of a property that is open to the public.2. Multiple Listing Service (MLS): A database that lists properties for sale by real estate agents and brokers.3. Homeowners' Association (HOA): A group of homeowners that manage the common areas and amenities of a residential community.4. Property Tax: A tax paid by property owners to the local government based on the assessed value of the property.5. Real Estate Investment Trust (REIT): An investment fund that specializes in owning and managing real estate properties, which can be publicly traded.6. Pre-Approved: A mortgage applicant who has gone through the process of obtaining a pre-approval from a lender, indicating that they are a qualified buyer.7. Closing Costs: The fees and expenses incurred during the final stages of the homebuying process, including title insurance, appraisal, and legal fees.8. Home Inspection: A professional inspection of a property by a licensed inspector, to identify any issues with the property.9. Down Payment: The amount of money a buyer contributes towards the purchase price of a property upfront.10. Appropriate Escrow Period: The time period between the agreement to purchase a home and the actual closing, where funds from the buyer and seller are held in escrow.Real Estate Law Vocabulary:1. Easement: The right to use someone else's property for a specific purpose, often granted to utility companies or neighboring properties.2. Deed of Trust: A document that serves as an alternative to a mortgage, where the property serves as collateral.3. Real Estate Broker: A licensed professional who helps buyers and sellers with the sale, purchase and leasing of properties.4. Real Estate Agent: A licensed professional who works under a licensed broker and assists with buying or selling properties.5. Fair Housing Act: A federal law that prohibits discrimination in the sale or rental of housing based on race, color, religion, sex, national origin, and other factors.6. Closing Statement: A document outlining the final costs and credits associated with the purchase of a property.7. Mechanic's Lien: A legal claim against a property made by a contractor or supplier who has not been paid for their work or materials.8. Quitclaim Deed: A document that transfers an individual's interest in a property to another without any warranties or guarantees.9. Chain of Title: A record of all historical transfers of ownership for a specific property.10. Title Insurance: A policy that protects property owners and mortgage lenders against any defects or issues with the title of a property.In conclusion, the real estate industry is complex and dynamic, with specific vocabulary and knowledge that is essential for success. By understanding key terms, concepts and practices in both the commercial and residential sectors, real estate professionals can navigate the industry with confidence and skill.。
房地产英语大全
2006房产宝典－房地产英语大全property 物业，资产interest 产权subsidiary 附属机构，子公司valuation 评估open market value 公开市场价值leaseback 售后回租（即租回已出售的财产）on a residual basis 剩余法capital value 资本价值cost of development 开发费（指拆迁费，七通一平费等）professional fee 专业人员费（指勘察设计费等）finance costs 融资成本（指利息等）sale proceeds 销售收益on the basis of capitalisation 资本还原法floor area 建筑面积title document 契约文书plaza 购物中心land use certificate 土地使用证commercial/residential complex 商住综合楼land use fee 土地使用费（获得土地使用权后，每年支付国家的使用土地费用）Grant Contract of Land Use Right 土地使用权出让合同plot ratio 容积率site coverage 建筑密度land use term 土地使用期project approval 项目许可planning approval 规划许可commission 佣金permit 许可证business license 营业执照strata-title 分层所有权public utilities 公共设施urban planning 城市规划state-owned land 国有土地fiscal allotment 财政拨款grant or transfer 出让或转让the Municipal Land Administration Bureau 市土地管理局infrastructure 基础设施financial budget 财政预算public bidding 公开招标auction 拍卖negotiation /agreement协议land efficiency 土地效益location classification 地段等级projecting parameter 规划参数government assignment 政府划拨administrative institution 行政事业单位key zones for development 重点开发区tract 大片土地biding document 标书prerequisitioned land 预征土地competent authorities 主管部门construction project 建设项目planning permit of construction engineering 建设工程规划许可证go through the formalities 办手续comprehensive sub-areas 综合分区reconstruction of old area 旧区改造purchasing power 购买力property trust 物业信托equity 权益cash flows 现金流量appreciation 增值disposition 处置hedge 保值措施income tax shelter 收入税的庇护downturn （经济）衰退wealth maximisation 最大限度的增加财产(同其他投资相比)forecast 预测rules-of-thumb techniques 经验法mortgage lender 抵押放贷者vacancy 空房discounted cash flow models 折现值现金流量模型expectation 期望值letting 出租equity reversion 权益回收bad debts 坏帐depreciation allowances 折旧费supplies 日常用品utilities 公共事业设备allowances for repairs and maintenance 维修费unpaid mortgage balance 抵押贷款欠额stamp duty印花税recession 衰退overproduction 生产过剩glut 供过于求high-technology 高科技investment strategy投资策略circulation 发行量entrepreneur 倡导者，企业家coliseum 大体育场，大剧院chambers （商业资本家联合组织的）会所arena 室内运动场socioeconomic status 社会经济地位amenities 便利设施condominium 个人占有公寓房，一套公寓房的个人所有权income bracket 收入档次tenement 分租合住的经济公寓area code （电话）地区代码community 社区assessment 估价downzone 降低区划规模housing residences住宅Residential Property for Purchase购买住宅物业典型场景Scene: ABC Properties Company场景: ABC地产代理公司A: Agent- James Wilson物业代理詹姆士.威尔逊B: Client- Mrs. Chen客户陈太太A: Good morning, Madam, and how do you do?早晨好，太太，你好！B: Fine. I would like to check out today’s newspaper advertising on Tong House早晨好，我想查询你们在今天的报章中刊登有关唐厦的广告。
房地产英语词汇
房地产英语词汇在全球化的今天，掌握一定的英语词汇已经成为各行各业专业人士的基本要求。
而对于从事房地产行业的人来说，掌握房地产领域的英语词汇更是必不可少的。
本文将介绍一些常用的房地产英语词汇，供大家参考。
一、房地产市场1. Real estate market 房地产市场2. Property 房产3. Real estate 房地产4. Housing 住房5. Commercial property 商业地产6. Residential property 住宅地产7. Office building 办公楼8. Retail property 零售地产9. Industrial property 工业地产10. Rental property 租赁房产二、房地产交易1. Sale 出售2. Purchase 购买3. Lease 租赁4. Tenant 租户5. Landlord 房东6. Buyer 买家7. Seller 卖家8. Rental agreement 租赁合同9. Sales contract 销售合同10. Mortgage 抵押贷款三、房地产开发1. Development 开发2. Construction 建设3. Project 项目4. Developer 开发商5. Builder 建筑商6. Architect 建筑师7. Engineer 工程师8. Contractor 承包商9. Planning 计划10. Design 设计四、房地产评估1. Appraisal 评估2. Valuation 估值3. Market value 市场价值4. Fair market value 公允市场价值5. Property assessment 房产评估6. Property tax 房产税7. Depreciation 折旧8. Investment property 投资性房产9. Rental income 租金收入10. Return on investment 投资回报率五、房地产法律1. Real estate law 房地产法律2. Property rights 产权3. Title 权属证书4. Deed 契约5. Legal document 法律文件6. Lease agreement 租赁协议7. Eviction 驱逐8. Foreclosure 查封9. Zoning 分区10. Easement 使用权六、房地产金融1. Mortgage loan 抵押贷款2. Interest rate 利率3. Down payment 首付4. Loan term 贷款期限5. Amortization 分期偿还6. Refinance 重新融资7. Equity 股本8. Credit score 信用评分9. Loan officer 贷款专员10. Investment 投资以上是一些常用的房地产英语词汇，希望对从事房地产行业的人士有所帮助。
房产标准用语中英对照
房产标准用语中英对照1 房地产real estare, real property可开发的土地及其地上定着物、建筑物，包括物质实体和依托于物质实体上的权益。
2.0.2 不动产immovable property依自然性质或法律规定不可移动的土地、土地定着物、与土地尚未脱离的土地生成物、因自然或者人力添附于土地并且不能分离的其他物。
包括物质实体和依托于物质实体上的权益。
2.0.3 土地land地球表层的陆地部分及其以上、以下一定幅度空间范围内的全部环境要素，以及人类社会生产生活活动作用于空间的某些结果所组成的自然—经济综合体。
2.0.4 房屋house供人们生产、居住或者作其他用途的建筑物的总称。
2.0.5 地产estate土地和固着其上不可分割的部分所共同形成的物质实体以及依托于物质实体上的权益。
2.0.6 房产house property个人或者团体保有所有权的房屋连同保有使用权的地基以及依托于房屋、地基物质实体上的权益。
2.0.7 房地产业real estate industry从事房地产投资、开发、经营、管理和服务的产业。
2.0.8 房地产所有权 rest estate title房地产权属所有人依照法律、法规规定对其所有的房地产享有占有，使用、收益、处分的权利。
2.0.9 房地产使用权 real estate user依照法律法规规定对土地加以利用和对房屋依法占有、使用，收益和有限处分的权利。
2.0.10 物业 Property特指正在使用中和已经可以投人使用的各类建筑物及附属设备、配套设施、相关场地等组成的单宗房地产实体以及依托于该实体上的权益。
2.0.11 物业管理 property management物业产权人对物业负责区域内共同利益进行维护的行为。
2.0.12 房地产权属登记 reel estate title registration房地产行政主管部门代表政府对房屋所有权、土地使用权。
房产证贷款申请书模板
房产证贷款申请书模板英文回答：Title: Template for Property Certificate Loan Application.Introduction:I am writing to apply for a loan against my property certificate. This loan will provide me with the necessary funds to meet my financial needs. In this application, I will provide all the necessary information and documents required for the loan approval process.Property Details:I am the proud owner of a residential property located in a prime location in the city. The property is a three-bedroom apartment with a spacious living area and modern amenities. It has a total built-up area of 1500 square feetand is registered under my name. The property is free from any encumbrances and is well-maintained.Loan Amount:I am seeking a loan amount of $100,000 (or equivalent in local currency) against my property certificate. This loan will be utilized for various purposes, including home renovation, debt consolidation, and personal expenses. I am confident that the value of my property will serve as sufficient collateral for the loan.Repayment Plan:I propose a repayment plan of 5 years, with equal monthly installments. The interest rate will be in line with the prevailing market rates. I am committed to making timely repayments and will ensure that the loan is repaid within the agreed timeframe.Financial Stability:I am currently employed as a senior manager at a reputable company. My monthly income is stable andsufficient to cover the loan repayments. I have a goodcredit history and have never defaulted on any loan orcredit card payments. I am confident in my ability to manage the loan responsibly.Benefits of Granting the Loan:By granting me the loan against my property certificate, you will be providing me with the necessary financial support to meet my immediate needs. This loan will alsohelp me improve the value of my property through renovations, ultimately benefiting both the lender and myself.Conclusion:In conclusion, I am confident that my propertycertificate serves as a strong collateral for the loan amount requested. I have provided all the necessary details and documents to support my loan application. I amcommitted to fulfilling all the loan obligations and will ensure timely repayments. I kindly request you to consider my application favorably and provide me with the loan against my property certificate.中文回答：标题，房产证贷款申请书模板。
房地产全流程相关知识技能 英文
房地产全流程相关知识技能英文Real estate is a vast and complex industry that requires a wide range of knowledge and skills to navigate effectively. From property development and construction to sales and marketing, there is a diverse set of requirements for professionals working in this field. Understanding the full process of real estate, from acquisition to disposal, is crucial for success.房地产是一个庞大而复杂的行业，需要广泛的知识和技能才能有效地进行导航。
从房地产开发和建设到销售和营销，专业人士在这一领域工作需要多方面的要求。
理解房地产的整个流程，从收购到处置，对于成功至关重要。
One of the fundamental skills required in real estate is financial literacy. This includes the ability to analyze market trends, assess the financial feasibility of a project, and understand the various financing options available. Without a solid understanding of financial concepts, it is challenging to make informed decisions and manage investments effectively in the real estate industry.房地产所需的基本技能之一是财务素养。
房地产专业英语词汇[教材]
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房地产专业英语词汇[教材]房地产专业英语词汇房地产专业英语按揭贷款 mortgage loan按揭购房 to buy a house on mortgage; to mortgage a house房屋空置率 housing vacancy rate安居工程 Comfortable Housing Project 板楼，板式楼 slab-type apartment building 搬迁户 a relocated unit or household 拆迁补偿费compensation for demolition 拆迁费用 removal expense城镇住房公积金 urban housing provident fund 低价住房 low-cost housing二手房 second-hand house房产估价师 realestate evaluator房产证 property ownership certificate 房屋置换 buy or exchange houses炒房者realestate speculator房改 housing system reform房管 realestate management房权证 property right certificate 房产市场 realestate market房屋空置率 housing vacancy rate福利分房 welfare-oriented public housing distribution system个人购房贷款 individual housing loan 公房商品化 commercialization of public housing 集资房 houses built with funds collected by the buyers居民住房建设 residential construction人均住房per-capital housing现房 complete dapartment(or flat) 期房 forward delivery housing 商品房 commercial residential building 商品房空置 the vacancy problem in commercial housing政策性住房 policy-related house, policy-based house住房补贴 rental allowance; housing allowance 住房分配货币化进程capitalization process of housingdistribution/allocationland efficiency 土地效益,projecting parameter 规划参数government assignment 政府划拨tract 大片土地prerequisitioned land 预征土地planning permit of construction engineering 建设工程规划许可证property trust 物业信托equity 权益mortgage lender 抵押放贷者vacancy 空房discounted cash flow models 折现值现金流量模型 expectation 期望值letting 出租equity reversion 权益回收entrepreneur 倡导者，企业家coliseum 大体育场，大剧院chambers (商业资本家联合组织的)会所 arena 室内运动场amenities 便利设施condominium 个人占有公寓房，一套公寓房的个人所有权tenement 分租合住的经济公寓community 社区downzone 降低区划规模housing residences住宅property 物业，资产interest 产权open market value 公开市场价值 leaseback 售后回租(即租回已出售的财产) on a residual basis 剩余法cost of development 开发费(指拆迁费，七通一平费等)floor area 建筑面积title document 契约文书plaza 购物中心land use certificate 土地使用证 commercial/residential complex 商住综合楼 land use fee 土地使用费(获得土地使用权后，每年支付国家的使用土地费用)Grant Contract of Land Use Right 土地使用权出让合同plot ratio 容积率site coverage 建筑密度land use term 土地使用期project approval 项目许可strata-title 分层所有权public utilities 公共设施urban planning 城市规划state-owned land 国有土地the Municipal Land Administration Bureau 市土地管理局infrastructure 基础设施。
房地产中介 英语
房地产中介英语As a real estate agent, it is important to understand the key role that you play in the process of buying and selling properties. Your job is to act as a mediator between buyers and sellers, helping them to navigate the complex world of real estate transactions. In this article, we will explore the role of a real estate agent and discuss the skills and qualities that are essential for success in this field.First and foremost, a successful real estate agent must possess excellent communication skills. This includes the ability to effectively communicate with clients, understand their needs and preferences, and negotiate on their behalf. Clear and concise communication is essential in real estate transactions, as it can help to avoid misunderstandings and ensure that all parties are on the same page.In addition to communication skills, a real estate agent must also possess a strong understanding of the local real estate market. This includes knowledge of current property values, market trends, and the legal and financial aspects of buying and selling properties. By staying informed about the local market, a real estate agent can provide valuable insights and guidance to their clients, helping them to make informed decisions about their real estate transactions.Another important quality for a real estate agent is the ability to build and maintain strong relationships with clients. Building trust and rapport with clients is essential for success in the real estate industry, as it can lead to repeat business and referrals. A successful real estate agent must be approachable, reliable, and responsive to their clients' needs, ensuring that they feel supported throughout the buying or selling process.Furthermore, a real estate agent must be highly organized and detail-oriented. Real estate transactions involve a significant amount of paperwork and documentation, and it is essential for an agent to keep track of all the details and deadlines involved. By staying organized and paying attention to the details, a real estate agent can ensure that their clients' transactions proceed smoothly and efficiently.In addition to these skills and qualities, a successful real estate agent must also be adaptable and able to think on their feet. Real estate transactions can be complex and unpredictable, and agents must be prepared to handle unexpected challenges and changes. By remaining flexible and resourceful, a real estate agent can effectively navigate the ups and downs of the real estate market and provide valuable support to their clients.In conclusion, a successful real estate agent must possess a unique combination of skills and qualities, including excellent communication, a strong understanding of the local market, the ability to build and maintain relationships, organizational skills, and adaptability. By honing these skills and qualities, real estate agents can provide valuable support and guidance to their clients, helping them to achieve their real estate goals. If you are considering a career in real estate, it is important to develop and cultivate these essential skills in order to succeed in this competitive and dynamic industry.。
1房地产英语
房屋空置率 housing vacancy rate安居工程 Comfortable Housing Project板楼，板式楼 slab-type apartment building搬迁户 a relocated unit or household财产税 property tax;estate(or capital) duty 拆迁补偿费 compensation for demolition拆迁费用 removal expense城镇住房公积金 urban housing provident fund 低价住房 low-cost housing二手房 second-hand house房产估价师 realestate evaluator房产证 property ownership certificate房屋置换 buy or exchange houses炒房者realestate speculator房改 housing system reform房管 realestate management房权证 property right certificate房产市场 realestate market房屋空置率 housing vacancy rate福利分房 welfare-oriented public housing distribution system 个人购房贷款 individual housing loan公房商品化 commercialization of public housing集资房 houses built with funds collected by the buyers居民住房建设 residential construction人均住房per-capital housing现房 complete dapartment (or flat)期房 forward delivery housing商品房 commercial residential building商品房空置 the vacancy problem in commercial housing政策性住房 policy-related house, policy-based house住房补贴 rental allowance; housing allowance住房分配货币化进程 capitalization process of housing distribution/allocation。
买房相关的英语词汇学习
买房相关的英语词汇学习★以下是###英语资源频道为大家整理的《买房相关的英语词汇学习》，供大家参考。
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1. mortgage loan (按揭贷款) is a loan secured by real property through the use of a mortgage note which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan.e.g. Personal Home Loan Mortgages provides borrowers with the most current mortgage rates, news, resources and information.2. a relocated unit or household (搬迁户) is the basic residential unit in which economic production, consumption, inheritance, child rearing, and shelter are organized and carried out.e.g. Appropriate a special fund to help relocate households or units having to move3. domestic removal allowance (住户搬迁津贴)e.g. Domestic allowances will be provided to the eligible households affectecd by public rental housing redevelopment.4. compensation for demolition (拆迁补偿费)e.g. On the compensation for demolition, relocation of people being relocated due to compensation and resettlement.5. property right certificate (房权证)e.g. The property right certificate is an necessary proof of your ownership of housing.6. real estate speculator(炒房者)e.g. A Real Estate Speculator Goes From Boom to Bust.7. residence houses for low-and-medium wage earners(经济适用房)e.g. A study on the problem of the Chinses Policy on residence houses for low-and-medium wage earners.8. urban housing provident fund (城镇住房公积金)e.g. Urban Housing Provident Fund Management Center, former director jailed for bribe.9. removal expense (拆迁费用)e.g. Removal expenses for teaching assistants, teaching fellows, graduate students.10. Comfortable Housing Project (安居工程)e.g. Government's comfortable housing project in Tibet.。
变卖房产 申请贷款流程
变卖房产申请贷款流程（中英文版）**Selling Property and Applying for a Loan: A Comprehensive Guide****一、评估房产价值**Before listing your property for sale, it is crucial to have it appraised by a professional to determine its market value.This will help you set a competitive price and attract potential buyers.在将房产挂牌出售前，务必请专业人士对其进行评估，以确定其市场价值。
这将有助于您设定有竞争力的价格，吸引潜在买家。
**二、选择房地产经纪人**Engaging a reputable real estate agent can significantly ease the selling process.They have experience in marketing properties and can help you navigate the complex legal procedures involved.选择一位声誉良好的房地产经纪人可以显著简化出售过程。
他们有营销房产的经验，并能帮助您处理其中复杂的法律程序。
**三、准备房产上市**Make your property market-ready by completing necessary repairs and improvements.Consider staging your home to showcase its potential to potential buyers.通过完成必要的维修和改进，使您的房产达到上市条件。
考虑对房屋进行布景，以向潜在买家展示其潜力。
房地产英语词汇大全
房地产英语词汇大全property 物业，资产interest 产权subsidiary 附属机构，子公司valuation 评估open market value 公开市场价值leaseback 售后回租(即租回已出售的财产)on a residual basis 剩余法capital value 资本价值cost of development 开发费(指拆迁费，七通一平费等professional fee 专业人员费(指勘察设计费等)finance costs 融资成本(指利息等)sale proceeds 销售收益on the basis of capitalisation 资本还原法floor area 建筑面积title document 契约文书plaza 购物中心land use certificate 土地使用证commercial/residential complex 商住综合楼land use fee 土地使用费(获得土地使用权后，每年支付国家的使用土地费用) Grant Contract of Land Use Right 土地使用权出让合同plot ratio 容积率site coverage 建筑密度land use term 土地使用期project approval 项目许可planning approval 规划许可commission 佣金permit 许可证business license 营业执照strata-title 分层所有权public utilities 公共设施urban planning 城市规划state-owned land 国有土地fiscal allotment 财政拨款grant or transfer 出让或转让the Municipal Land Administration Bureau 市土地管理局infrastructure 基础设施financial budget 财政预算public bidding 公开招标auction 拍卖negotiation /agreement 协议land efficiency 土地效益location classification 地段等级projecting parameter 规划参数government assignment 政府划拨administrative institution 行政事业单位key zones for development 重点开发区tract 大片土地biding document 标书prerequisitioned land 预征土地competent authorities 主管部门construction project 建设项目planning permit of construction engineering 建设工程规划许可证go through the formalities 办手续comprehensive sub-areas 综合分区reconstruction of old area 旧区改造purchasing power 购买力property trust 物业信托equity 权益cash flows 现金流量appreciation 增值disposition 处置hedge 保值措施income tax shelter 收入税的庇护downturn (经济) 衰退wealth maximisation 最大限度的增加财产(同其他投资相比) forecast 预测rules-of-thumb techniques 经验法mortgage lender 抵押放贷者vacancy 空房discounted cash flow models 折现值现金流量模型expectation 期望值letting 出租equity reversion 权益回收bad debts 坏帐depreciation allowances 折旧费supplies 日常用品utilities 公共事业设备allowances for repairs andmaintenance 维修费unpaid mortgage balance 抵押贷款欠额stamp duty 印花税recession 衰退overproduction 生产过剩glut 供过于求high-technology 高科技investment strategy 投资策略circulation 发行量entrepreneur 倡导者，企业家coliseum 大体育场，大剧院chambers (商业资本家联合组织的)会所arena 室内运动场socioeconomic status 社会经济地位amenities 便利设施condominium 个人占有公寓房，一套公寓房的个人所有权income bracket 收入档次tenement 分租合住的经济公寓area code (电话)地区代码community 社区assessment 估价downzone 降低区划规模housing residences 住宅房地产英语常用名词(5)real estate sales 房地产销售real estate planning 房地产策划developers 开发商rent 租房sell/buy 卖房/买房apa naked decorate 毛坯房rtment 公寓，泛指高层住宅house 独门独户并且带花园的平房(不是别墅，深圳不多见) villa 别墅，泛指豪宅sea view villa 海景别墅mount view villa 山景别墅terraced house 独立楼房结构，一层为车库(深圳不多见)shop 商铺warehouse 仓库centiare 平方米或者㎡来代替，英联邦国家喜欢用 sqm 代替bathroom 卫生间kitchen 厨房balcony 阳台have security access 有保安系统studio(studio apartment) 单身公寓double bedroom 双人卧室single bedroom 单人卧室1 bedroom 1 sitting room 一房一厅2 bedrooms 2 sitting rooms 两房两厅以此类推…open plan kitchen 开放式厨房(厨房连接小阳台) sitting room/bedroom open to balcony ( 客厅/卧室连接阳台) car park 停车位guest parking 非固定停车位open Home 看房时间suit home buyer or investor. 适合自住或投资alhambresque 豪华装修(宫殿式)sunshine Sitting room ( 阳光客厅)offer furniture/home appliances 提供家具/家用电器property 物业，资产interest 产权subsidiary 附属机构，子公司valuation 评估open market value 公开市场价值leaseback 售后回租(即租回已出售的财产)on a residual basis 剩余法capital value 资本价值cost of development 开发费(指拆迁费，七通一平费等) professional fee 专业人员费(指勘察设计费等) finance costs 融资成本(指利息等)sale proceeds 销售收益on the basis of capitalisation 资本还原法floor area 建筑面积title document 契约文书plaza 购物中心land use certificate 土地使用证commercial/residential complex 商住综合楼land use fee 土地使用费(获得土地使用权后，每年支付国家的使用土地费用) Grant Contract of Land Use Right 土地使用权出让合同plot ratio 容积率site coverage 建筑密度land use term 土地使用期project approval 项目许可planning approval 规划许可commission 佣金permit 许可证business license 营业执照strata-title 分层所有权public utilities 公共设施urban planning 城市规划state-owned land 国有土地fiscal allotment 财政拨款grant or transfer 出让或转让the Municipal Land Administration Bureau 市土地管理局房地产英语常用名词(4)infrastructure 基础设施financial budget 财政预算public bidding 公开招标auction 拍卖negotiation /agreement 协议land efficiency 土地效益location classification 地段等级projecting parameter 规划参数government assignment 政府划拨administrative institution 行政事业单位key zones for development 重点开发区tract 大片土地biding document 标书prerequisitioned land 预征土地competent authorities 主管部门construction project 建设项目planning permit of construction engineering 建设工程规划许可证go through the formalities 办手续comprehensive sub-areas 综合分区reconstruction of old area 旧区改造purchasing power 购买力property trust 物业信托equity 权益cash flows 现金流量appreciation 增值disposition 处置hedge 保值措施wealth maximisation 最大限度的增加财产(同其他投资相比) forecast 预测rules-of-thumb techniques 经验法mortgage lender 抵押放贷者vacancy 空房discounted cash flow models 折现值现金流量模型expectation 期望值letting 出租equity reversion 权益回收depreciation allowances 折旧费supplies 日常用品utilities 公共事业设备allowances for repairs and maintenance 维修费unpaid mortgage balance 抵押贷款欠额stamp duty 印花税recession 衰退overproduction 生产过剩glut 供过于求high-technology 高科技investment strategy 投资策略circulation 发行量coliseum 大体育场，大剧院chambers (商业资本家联合组织的)会所arena 室内运动场socioeconomic status 社会经济地位amenities 便利设施condominium 个人占有公寓房，一套公寓房的个人所有权income bracket 收入档次tenement 分租合住的经济公寓area code (电话)地区代码community 社区assessment 估价downzone 降低区划规模housing residences 住宅bay 开间depth 进深access 玄关deed tax 契税comprehensive sub-areas 综合分区condominium 个人占有公寓房，一套公寓房的个人所有权construction project 建设项目cost of development 开发费(指拆迁费，七通一平费等)depreciation allowances 折旧费discounted cash flow models 折现值现金流量模型disposition 处置downturn (经济) 衰退downzone 降低区划规模entrepreneur 倡导者，企业家房地产英语常用名词(3)equity reversion 权益回收equity 权益expectation 期望值finance costs 融资成本(指利息等)financial budget 财政预算fiscal allotment 财政拨款floor area 建筑面积forecast 预测glut 供过于求go through the formalities 办手续government assignment 政府划拨Grant Contract of Land Use Right 土地使用权出让合同grant or transfer 出让或转让hedge 保值措施high-technology 高科技housing residences 住宅income bracket 收入档次income tax shelter 收入税的庇护infrastructure 基础设施investment strategy 投资策略key zones for development 重点开发区land efficiency 土地效益leaseback 售后回租(即租回已出售的财产) letting 出租location classification 地段等级mortgage lender 抵押放贷者negotiation /agreement 协议on the basis of capitalisation 资本还原法open market value 公开市场价值overproduction 生产过剩permit 许可证plaza 购物中心plot ratio 容积率prerequisitioned land 预征土地professional fee 专业人员费(指勘察设计费等) project approval 项目许可projecting parameter 规划参数property trust 物业信托public bidding 公开招标public utilities 公共设施purchasing power 购买力reconstruction of old area 旧区改造rules-of-thumb techniques 经验法sale proceeds 销售收益site coverage 建筑密度socioeconomic status 社会经济地位state-owned land 国有土地strata-title 分层所有权subsidiary 附属机构，子公司supplies 日常用品tenement 分租合住的经济公寓the Municipal Land Administration Bureau 市土地管理局title document 契约文书unpaid mortgage balance 抵押贷款欠额urban planning 城市规划utilities 公共事业设备valuation 评估wealth maximisation 最大限度的增加财产(同其他投资相比)房地产英语常用名词(2)deposit 定金furnished house/ apartment 有家具的房子/公寓unfurnished house/ apartment 无家具的房子/公寓a vacant room/ a spare room 空房single room 单人间double room 双人间utilities 水、电、煤气和垃圾处理等费用flatmate 合住一套公寓的人；合租者letting agency 房屋中介agency fee 中介费private accommodation 私人住房Room 房间cozy 温馨的living room/lounge 起居室；客厅bedroom 卧室main bedroom 主卧carpet 地毯coffee table (置于沙发前的)茶几armchair 单人沙发sofa 沙发remote control 遥控器radiator 暖气片central heating 中央供暖stool 厨房高脚椅bathroom 卫生间main bathroom 主卫Buy a (an)flat/ apartment 买房mortgage 按揭(指向银行借长期抵押贷款，用来买房子) down payment 首付completed apartment/flat 现房(指已建好供销售的房子) forward housing delivery 期房resold apartment 二手房affordable housing 经济适用房housing price 房价key zones for development 重点开发区tract 大片土地biding document 标书prerequisitioned land 预征土地competent authorities 主管部门construction project 建设项目comprehensive sub-areas 综合分区reconstruction of old area 旧区改造property trust 物业信托equity 权益cash flows 现金流量appreciation 增值disposition 处置hedge 保值措施income tax shelter 收入税的庇护wealth maximisation 最大限度的增加财产(同其他投资相比) forecast 预测rules-of-thumb techniques 经验法mortgage lender 抵押放贷者discounted cash flow models 折现值现金流量模型expectation 期望值equity reversion 权益回收bad debts 坏帐depreciation allowances 折旧费utilities 公共事业设备allowances for repairs and maintenance 维修费unpaid mortgage balance 抵押贷款欠额recession 衰退overproduction 生产过剩glut 供过于求high-technology 高科技investment strategy 投资策略circulation 发行量entrepreneur 倡导者，企业家coliseum 大体育场，大剧院chambers (商业资本家联合组织的)会所arena 室内运动场slab-type apartment building 板楼，板式楼a relocated unit or household 搬迁户房地产英语常用名词( 1)拆迁补偿费compensation for demolition拆迁费用removal expense城镇住房公积金urban housing provident fund低价住房low-cost housing二手房second-hand house房产估价师real estate assessor房产证property ownership certificate房屋置换buy or exchange houses炒房者real estate speculator房改housing system reform房管real estate management房权证property right certificate房产市场real estate market房屋空置率housing vacancy rate福利分房welfare-oriented public housing allocation system 个人购房贷款individual housing loan公房商品化commercialization of public housing集资房houses built with funds collected by the buyers居民住房建设residential construction人均住房per-capital housing现房complete department (or flat)期房forward delivery housing商品房commercial residential building商品房空置the vacancy in commercial housing政策性住房policy-related house, policy-based house住房补贴rental allowance; housing allowance住房分配货币化进程capitalization process of housing distribution/allocation 按揭贷款mortgage loan房屋空置率housing vacancy rate福利分房welfare-oriented public housing allocation system个人购房贷款individual housing loan公房商品化commercialization of public housing集资房houses built with funds collected by the buyers居民住房建设residential construction人均住房per-capital housing安居工程：Housing project for the low-income urban residents；危房改造：the dilapidated house transforming；动迁户：households to be relocated；住宅小区：dwelling district；住房公积金：public accumulation funds for housing；住房补贴：housing subsidies；住房零首期：zero first payment；房产抵押：house mortgage; build property mortgage；房产证：property right certification；暂住证：the card of stay temporarily；城市住房改革：urban housing reform；城市规划：urban planning；室内装修：interior decoration；按揭：mortgage；按揭贷款：mortgage loan；期房：forward delivery housing；商品房：commodity housing; commercial housing；政策性住房：policy-related house; policy-based house；福利分房：welfare-oriented public housing distribution system；集资房：houses built on the funds collected by the buyers；property 物业，资产interest 产权subsidiary 附属机构，子公司valuation 评估open market value 公开市场价值leaseback 售后回租(即租回已出售的财产)on a residual basis 剩余法capital value 资本价值cost of development 开发费(指拆迁费，七通一平费等)professional fee 专业人员费(指勘察设计费等)finance costs 融资成本(指利息等)sale proceeds 销售收益on the basis of capitalisation 资本还原法floor area 建筑面积title document 契约文书plaza 购物中心land use certificate 土地使用证commercial/residential complex 商住综合楼land use fee 土地使用费(获得土地使用权后，每年支付国家的使用土地费用) Grant Contract of Land Use Right 土地使用权出让合同plot ratio 容积率site coverage 建筑密度land use term 土地使用期project approval 项目许可planning approval 规划许可commission 佣金permit 许可证business license 营业执照strata-title 分层所有权public utilities 公共设施urban planning 城市规划state-owned land 国有土地fiscal allotment 财政拨款grant or transfer 出让或转让the Municipal Land Administration Bureau 市土地管理局infrastructure 基础设施financial budget 财政预算public bidding 公开招标auction 拍卖negotiation /agreement 协议land efficiency 土地效益location classification 地段等级projecting parameter 规划参数government assignment 政府划拨administrative institution 行政事业单位key zones for development 重点开发区tract 大片土地biding document 标书prerequisitioned land 预征土地competent authorities 主管部门construction project 建设项目planning permit of construction engineering 建设工程规划许可证go through the formalities 办手续comprehensive sub-areas reconstruction of old area purchasing power 购买力property trust 物业信托equity 权益综合分区旧区改造cash flows 现金流量appreciation 增值disposition 处置hedge 保值措施income tax shelter 收入税的庇护downturn (经济)衰退wealth maximisation 最大限度的增加财产(同其他投资相比) forecast 预测rules-of-thumb techniques 经验法mortgage lender 抵押放贷者vacancy 空房discounted cash flow models 折现值现金流量模型expectation 期望值letting 出租equity reversion 权益回收bad debts 坏帐depreciation allowances 折旧费supplies 日常用品utilities 公共事业设备allowances for repairs and maintenance 维修费unpaid mortgage balance 抵押贷款欠额stamp duty 印花税recession 衰退overproduction 生产过剩glut 供过于求high-technology 高科技investment strategy 投资策略circulation 发行量entrepreneur 倡导者，企业家coliseum 大体育场，大剧院chambers (商业资本家联合组织的)会所arena 室内运动场socioeconomic status 社会经济地位amenities 便利设施condominium 个人占有公寓房，一套公寓房的个人所有权income bracket 收入档次tenement 分租合住的经济公寓area code (电话)地区代码community 社区assessment 估价downzone 降低区划规模housing residences 住宅。
房地产按揭流程
房地产按揭流程房地产按揭流程概述房地产按揭是指购房者向银行或金融机构借款，以购房物业为抵押担保的贷款方式。
该流程可以帮助购房者分期支付房屋购买费用，降低购房门槛，提升购房者的购房能力。
本文将介绍房地产按揭的基本流程和常见的注意事项。
1. 贷款申请1.1 选择金融机构在开始房地产按揭流程之前，首先需要选择一家可靠的金融机构。
购房者可以通过互联网、媒体广告或口碑来了解金融机构的信誉和服务水平，并选择最适合自己的机构。
1.2 提交贷款申请购房者需要向选择的金融机构提交贷款申请。
通常，申请人需要填写申请表格，并提供相关的个人资料和证明文件，如联系明、收入证明、房产证明等。
1.3 审核和评估金融机构将对购房者的申请进行审核和评估。
审核的目的是确认购房者的资信状况和还款能力。
评估的目的是确定抵押物的价值，以确定贷款额度。
1.4 批准贷款如果购房者的贷款申请通过审核和评估，金融机构将会批准贷款，并向购房者发放贷款合同。
2. 抵押物评估和选择2.1 抵押物评估购房者需要将购买房屋作为抵押物，因此金融机构需要对房屋进行评估。
评估的目的是确认房屋的价值和可抵押的程度。
评估结果将影响到贷款的额度和利率。
2.2 房屋选择购房者可以在房地产市场中选择符合自己需求和财务承受能力的房屋。
一般而言，房地产按揭贷款可用于购买普通住宅、商业用房和办公楼等。
3. 贷款合同签订和按揭放款3.1 贷款合同签订购房者需要与金融机构签订贷款合同。
合同中包含了贷款金额、贷款利率、还款周期和其他相关条款。
购房者应仔细阅读合同，确保了解和同意其中的内容。
3.2 按揭放款一般来说，在购房者完成首付支付后，金融机构将按照合同约定的方式和时间段，将贷款款项放到卖方的账户上。
购房者需要按照合同约定的还款方式和时间，按揭偿还贷款。
4. 贷款偿还4.1 还款方式选择购房者可以根据自己的情况和偏好选择合适的还款方式，如等额本金还款、等额本息还款等。
不同的还款方式有不同的影响，购房者应根据自己的经济状况和未来规划进行选择。
按揭楼盘申请书
尊敬的贷款银行：您好！我是[您的姓名]，身份证号码：[您的身份证号码]，现向贵行申请办理[楼盘名称]项目的按揭贷款业务。
以下是我的申请详情，请您予以审核。
一、申请人基本情况1. 姓名：[您的姓名]2. 性别：[您的性别]3. 出生日期：[您的出生日期]4. 户籍所在地：[您的户籍所在地]5. 工作单位：[您的单位名称]6. 职务：[您的职务]7. 联系电话：[您的联系电话]8. 电子邮箱：[您的电子邮箱]二、贷款用途1. 购房：本人计划购买[楼盘名称]项目中的[房屋类型]，面积为[房屋面积]，总价为[房屋总价]元。
2. 按揭贷款：为支付购房款项，本人特向贵行申请按揭贷款。
三、贷款申请信息1. 贷款金额：[贷款金额]元，用于支付购房款项。
2. 贷款期限：[贷款期限]，具体为[起始日期]至[结束日期]。
3. 贷款利率：按照贵行现行贷款利率执行，如遇国家利率调整，贷款利率相应调整。
4. 还款方式：采用等额本息还款方式，每月还款额为[每月还款额]元。
四、还款能力证明1. 收入证明：本人目前月收入为[月收入]元，具备稳定的还款能力。
2. 房产证明：本人已缴纳[购房首付比例]%的首付款，首付金额为[首付金额]元。
3. 其他资产：本人拥有[其他资产]（如存款、理财产品等），可用于偿还贷款。
五、担保情况1. 担保人：[担保人姓名]，身份证号码：[担保人身份证号码]。
2. 担保金额：[担保金额]元。
六、申请承诺1. 本人保证所提供资料真实、准确、完整，如有虚假，愿承担相应法律责任。
2. 本人承诺按照合同约定，按时足额偿还贷款本息。
3. 如有特殊情况导致无法按时还款，本人将及时与贵行沟通，寻求解决方案。
敬请贵行予以审核，如有需要，本人将积极配合提供相关资料。
感谢贵行对我的支持与帮助！此致敬礼！申请人：[您的姓名][申请日期]。
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房地产英语：申请按揭手续16
导读：本文房地产英语：申请按揭手续16，仅供参考，如果觉得很不错，欢迎点评和分享。
买了房子后，陈先生想申请银行按揭。
在物业代理王先生的推荐上，他来到银行咨询按揭手续。
A--Agent Mr. Wang 物业代理王先生B--Buyer Mr. Chen 买家陈先生C--Bank Loan Officer 银行职员
A: Good morning. Let me introduce you to Mr. Chen. He would like to ask you details about mortgage loans.早上好！让我介绍一下，这是陈先生。
他想咨询有关银行按揭的详细内容。
C: Good morning, Mr. Chen. I've known Mr. Wang for many years. He is a very helpful agent.早上好，陈先生。
我认识王先生很多年了。
他是一个热心的物业代理。
B: Yes, he is. Mr. Wang has given some good advice that has helped us buy this apartment at such a reasonable price.是的。
王先生给了我们很多建议，帮我们买到价钱这么合理的房子。
A: Sam, Mr. Chen has recently bought a flat in Tai Koo Shing. I recommended that they apply for a mortgage loan at your bank..山姆，陈先生最近在太古城买了套房子。
我建议他们到你们的银行申请按揭。
C: Thank you. We can start by you giving me the information on your property.谢谢。
首先请给我介绍一下你买的房子。
A: Sam, this is the Preliminary Sale and Purchase Agreement. The selling price
of the flat is four point two million HK dollars. He would like to apply for a mortgage loan representing 70% of the purchase price.山姆，这是临时买卖合约。
成交价是四百二十万港币。
他希望申请七成银行按揭。
B: I would like to know the different kinds of home investment plans your bank offers.我希望知道有多少种银行按揭方法可也选择。
C: Sure, Mr. Chen. Our bank's minimum mortgage rate is 8.25% to any applicant with a monthly income of over seventy thousand dollars.好的，陈先生。
本银行可以向任何月收入超过七万块的客户提供八厘二五的惠按揭利率。
B: I'm afraid I'm not eligible for this plan. Here is my salary tax form from 2004 to 2005.恐怕我不合乎这个条款。
这是我零四到零五年的税单。
C: Do you have any other bank mortgage loans?你有没有其他银行按揭贷款?
B: No, I don't. The apartment we are living in now is fully paid up.我没有任何贷款，我现在住的房子已经供完了。
C: I see. Please give me ten minutes to calculate the interest for you.我明白了。
请给我十分钟来计算利率。
(After 10 minutes.)（十分钟后。
）
C: Mr. Chen, our bank will offer you a 10.25% interest rate. Attached is a repayment table for your reference.陈先生，银行会为你提供十厘二五的按揭利率。
这是一份按揭还款表，供您参考。
B: Thank you. How long do you need for approval of my loan?谢谢，需要多长时间批准我的按揭申请呢?
C: Usually it takes two days to approve your application and then we will issue a Conditional Letter of Offer and notify your solicitor to prepare the mortgage
document in about two weeks.通常需要两天的时间核实申请，然后在两周内我们会发出一份附带条件的按揭批准通知书给你，并通知你的律师准备按揭按材料。
B: Thank you for your time. I have to discuss this with my wife, and then bring the relevant document to you. Thank you, Mr. Wang. I will get back to you.谢谢你的帮忙。
我必须与太太商量一下，然后我会带有关资料给你。
谢谢你王先生，我会跟你联络的。
A: Thank you, Mr. Chen and thank you. Sam.谢谢你，陈先生。
谢谢你山姆。
C: You're welcome.不客气。