房地产术语

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? có l?i su?t ?i?u ch?nh)

调整日期: adjustment date (ngày ?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 tr? n? d?n) 年利率: annual percentage rate (APR) (T? su?t tín d?ng hàng n?m)

申请表: application (??n xin vay)

估价书: appraisal (th?m ??nh)

估价价值: appraised value (giá tr? th?m ??nh)

估价师: appraiser (ng??i th?m ??nh)

增值: appreciation (s?t?ng giá)

评估价格: assessed value (giá ?? ch?u thu?)

估价: assessment (giám ??nh thu?)

估税员: assessor (ng??i ??nh m?c thu?)

资产: asset (tài s?n)

转让: assignment (chuy?n nh??ng)

可继承按揭: assumable mortgage (v?n t?th?ch?p cóth?chuy?n nh??ng ???c)

承接: assumption (nh?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 toán chót 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 toán gi?m ti?n l?i)

封顶: cap (m?c t?i ?a)

套现再融资: cash-out refinance (tái th? ch?p vay thêm ti?n) 合理价值证书: Certificate of Reasonable Value (CRV) (Ch?ng Ch? Giá 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? ràng)

结束: closing (?óng/k?t thúc)

结束费用: closing costs (chi phí ?óng)

结束声明: closing statement (gi?y báo k?t thúc/ ?óng)

产权疑云: cloud on title (quy?n s? h?u kh?ng r? ràng)

共同借贷者: co-borrower (ng??i cùng ??ng tên 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? phí khu v?c chung)

公共区域: common areas (khu v?c chung)

可比较销售: comparable sales (giá có th?so sánh ???c)

共管公寓: condominium (nhà chung c?)

共管公寓转换: condominium conversion (chuy?n thành chung c?)

共管公寓酒店: condominium hotel (khách 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 (cho vay th? ch?p qui

??c/th?ng th??ng)

可转换ARM: convertible ARM (kh???c c?m c? có l?i su?t ?i?u ch?nh có th? chuy?n ??i)

合作公寓: cooperative (co-op) (gia c? h?p tác)

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 biên)

信讬契约: deed of trust (ch?ng th? ?y thác)

拖欠还贷: default (kh?ng tr????c n?)

逾期债款: delinquency (?? n? quá h?n)

押金: deposit (ti?n ??t c?c)

贬值: depreciation (gi?m giá, kh?u hao)

折扣点数: discoun t points (?i?m gi?m)

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 lúc bán)

定金: earnest money deposit (ti?n c?c xác nh?n th?c lòng 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 ph?m, xam l?n)

财产负担: encumbrance (phi?n toái, tr? ng?i)

平等信用机会法: Equal Credit Opportunity Act (ECOA) (Lu?t C?ng b?ng C? h?i Tín d?ng)

净值: equity (giá tr? tài s?n)

记帐账户: escrow account (tài kho?n b?o ch?ng)

审查所有权: examination of title (báo cáo ki?m tra ch? quy?n) 独家代理: exclusive listing (??c quy?n rao bán)

遗嘱执行人: executor (ng??i th?a hành/ thi hành)

[Ng??i ???c ch???nh trong di chúc ?? qu?n tr? m?t tài s?n, ph?n?thì ???c g?i là女遗嘱执行人(Executrix)]

公平信用报告法: Fair Credit Reporting Act (Lu?t Báo Cáo Tín

D?ng Trung Th?c)

公平市场价值: fair market value (giá tr? th?c s?)

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 (th? ch?p th? nh?t)

固定利率按揭: fixed-rate mortgage (th? ch?p có 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 chính ph?)

受让人: grantee (ng??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 Giá tr? Nhà (HECM))

房屋检查: home inspection (ki?m tra nhà)

屋主协会: homeowners' association (hi?p h?i ch? nhà)

屋主保险: homeowner's insurance (b?o hi?m nhà)

屋主担保: homeowner's warranty (b?o ??m cho ch? nhà) HUD-1 结算声明: HUD-1 settlement statement (phi?u báo 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 biên do toà quy?t ??nh)

滞纳金: late charge (ti?n ph?t tr? n? tr?)

租约: lease (h?p ??ng thuê m??n)

租赁持有地产权: leasehold estate (b?t ??ng s?n cho thuê)

租赁选择: lease option (thuê v?i quy?n ch?n mua)

法定描述: legal description (b?n m? t? pháp ly)

出借人: lender (ng??i cho vay)

债务: liabilities (trách nhi?m n?/kho?n n?)

责任保险: liability insurance (b?o hi?m trách 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 tín d?ng)

流动资产: liquid asset (tài s?n l?u ??ng)

贷款: loan (kho?n vay)

贷款官员: loan officer (nhan viên cho vay)

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? giá)

锁定协议: lock-in (th? ch?p khoá l?i su?t)

锁定阶段: lock-in period (th?i gian khóa l?i su?t)

差额: margin (m?c chênh l?ch cho phép)

到期: maturity (?áo h?n)

修订: modification (s?a ??i)

按揭: mortgage (th? ch?p)

按揭银行家: mortgage banker (ngan hàng 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?o hi?m th? ch?p)

按揭保险费: mortgage insurance premium (MIP) (phí 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 và tàn t?t lo?i dành cho th? ch?p)

按揭人: mortgago r (ng??i vay th? ch?p)

多住户单位: multidwelling units (??n v?c? trú nhi?u gia ?ình)

负分期偿付: negative amortization (tr? d?n am)

非套现再融资: no cash-out refinance (cho vay l?i kh?ng ??a

ti?n m?t)

无成本贷款: no-cost loan (kho?n vay kh?ng phí)

按揭票据: note (gi?y xác nh?n n?)

票据利率: note rate (l?i su?t trên kho?n vay)

无点数贷款: no-cost loan (kho?n vay kh?ng phí)

拖欠通知: notice of default (th?ng báo tr? n?)

最初本金余额: original principal balance (s?d? g?c nguyên

th?y)

起动费: origination fee (l? phí phát hành th? ch?p)

业主融资: owner financing (ch? nhà cho vay)

部分还款: partial payment (tr? m?t ph?n)

还款改变日期: payment change date (ngày 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 (tài s?n cá nhan)

PITI 储备: PITI reserves (ti?n d? phòng PITI)

规划住宅单位发展(PUD) 项目: planned unit development (PUD) (nhà PUD)

点数: point (?i?m)

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? thêm vào g?c)

提前付清罚款: prepayment penalty (ti?n ph?t thanh toán tr??c h?n)

资格预审: pre-qualification (xác nh?n tr??c là ???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? và b?o hi?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 toán n?)

公开拍卖会: public auction (??u giá c?ng c?ng)

规划住宅单位发展(PUD)项目: Planned Unit Development (PUD) (S? Phát Tri?n Quy Ho?ch)

购买协议: purchase agreement (h?p ??ng mua bán)

购买资金交易: purchase 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)

利率锁定: rate lock (khoá 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: Real Estate Settlement Procedures Act (RESPA) (Lu?t V? Th? T?c K?t Thúc ??a ?c)

房地产经纪人: Realtor (nhà kinh doanh b?t ??ng s?n)

登记员: recorder (l?c s?)

再融资交易: refinance transaction (giao d?ch tái ??u t?)

余额: remaining balance (s?d? còn l?i)

租金损失保险: rent loss insurance (b?o hi?m thi?t h?i ti?n thuê) 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 hoàn)

优先取舍权: right of first refusal (quy?n ?u tiên mua)

出入权: right of ingress or egress (quy?n ?i ra hay ?i vào)

生者享有权: right of survivorship (quy?n c?a ng??i còn l?i)

售后回租: sale-leaseback (bán-thuê 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 có b?o ??m)

卖方携回: seller carry-back (ng??i bán lo th? ch?p)

成交声明: settlement statement (b?n khai thanh ly)

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 (giá tr?lao ??ng)

共有产权: tenancy in common (s? h?u chung)

由第三方起动: third-party origination (phát hành t? bên th? ba) 产权: title (quy?n s? h?u)

产权公司: title company (c?ng ty xác 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 (rà soát 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 ?ình)

托管人: trustee (ng??i ???c ?y thác)