购房者词典
手臂? 流量? 他? 你必须是一个密码学家才能弄清楚买家在购房过程中遇到的一些术语. Doing research on how to buy a house 之前 开始这个过程可以极大地改善你的经验，并为未来令人兴奋的课程做好准备. And with this glossary of home buying terms at your side, you can rest easy that your new home won’t get lost in translation.
A-L
- 可调利率按揭. A loan whose interest rate is adjusted according to movements in the financial market.
- 摊销. 借款者通过每月支付本金和利息逐渐减少债务的一种付款计划.
- 年利率(APR). The annual cost off credit over the life of a loan, 包括利息, 服务费, 点, 2021十大正规彩票平台费用, 抵押2021十大正规彩票平台保险, 还有其他项目.
- 评估. An evaluation to determine what a piece of property would sell for in the marketplace.
- 升值. The increase in the value of a property.
- 评估. 税:由税务机关对财产征收的税或对财产价值的估价.
- 假设. 一种允许房屋购买者承担房屋现有2021十大正规彩票平台责任的交易，而不是获得新2021十大正规彩票平台.
- 气球. 一种有一系列月供(通常为5年或更短)的2021十大正规彩票平台，剩余的余额在最后一次性支付.
- 粘结剂. 为保证按买卖双方商定的条件购买房屋的权利而支付的定金收据.
- Buydown. 减少按揭2021十大正规彩票平台月供的补贴(通常由建筑商或开发商支付).
- 帽. 可调利率2021十大正规彩票平台的利率或月供限额可以在调整期间或在2021十大正规彩票平台期限内增加.
- 入住证. 官方机构出具的证明该房产符合当地法规要求的文件, 条例, 法规.
- 关闭. A meeting to sign documents which transfer property from a seller to a buyer. (也叫结算)
- 关闭成本. 取得抵押2021十大正规彩票平台和转让不动产所有权结算时所支付的费用.
- Conditions, Covenants, and Restrictions (CC and Rs). 界定如何使用物业的标准，以及开发商为小区内所有业主的利益所做的保护措施.
- 公寓. A home in a multi-unit complex; each purchaser owns an individual unit, and all the purchasers jointly own the common areas, 比如周围的土地, 走廊, 等.
- 传统的2021十大正规彩票平台. A mortgage loan not insured by a government agency (such as FHA or VA).
- 可兑换性. The ability to change a loan from an adjustable rate schedule to a fixed rate schedule.
- 合作. A form of ownership in a multi-unit complex; the purchasers own shares of the entire complex rather than owning individual units.
- 信用评级. 2021十大正规彩票平台人要求信用局出具的一份报告，以确定借款人是否具有良好的信用风险.
- 默认的. A breach of a mortgage contract (such as not making 每月的付款s).
- 密度. The number of homes built on a particular acre of land. Allowable densities are usually determined by local jurisdictions.
- 的定金. The difference between the sales price and the mortgage amount on a home. The downpayment is usually paid at closing.
- Due-on-Sale. 抵押合同中的一项条款，要求借款人在出售或转让财产时支付全部未偿余额. A mortgage with a due-on-sale clause is not assumable.
- 保证金. A sum paid to the seller to show that a potential purchaser is serious about buying.
- 地役权. Right-of-way granted to a person or company authorizing access to the owner’s land; for example, a utility company may be grated an easement to install pipes or wires. An owner may voluntarily grant an easement, 或者在某些情况下, be compelled to grant one by a local jurisdiction.
- 股本. The difference between the value of a home and what is owed on it.
- 第三方托管. The handling of funds or documents by a third party on behalf of the buyer and/or seller.
- 联邦房屋管理局(FHA). 为首付要求比传统2021十大正规彩票平台低的抵押2021十大正规彩票平台提供保险的联邦机构.
- 固定利率按揭. A mortgage whose interest rate remains constant over the life of the loan. The payments are not necessarily level. (See Graduated Payment Mortgage and Growing 股本 Mortgage).
- 定期按揭. A mortgage whose payment schedule for the life of the loan is established at closing. The payments and interest rate are not necessarily level.
- 分期付款按揭. 固定利率, fixed-schedule loan which starts with lower payments than a level payment loan; the payments rise annually over the first 5 to 10 years and then remain constant for the remainder of the loan. gpm涉及负摊销.
- Growing 股本 Mortgage (快速还款抵押). 固定利率, fixed-schedule loan which starts with the same payments as a level payment loan; the payments rise annually, with the entire increase being used to reduce the outstanding balance. 没有负摊销发生, 而且还款的增加可能会使借款人在15到20年内还清30年的2021十大正规彩票平台, 或更少.
- 风险保险. Protection against damage caused by fire, windstorm, or other common hazards. Many lenders require borrowers to carry it in an amount at least equal to the mortgage.
- 住房金融机构. 为中低收入家庭提供数量有限的低于市场利率的住房融资的国家机构.
- 指数. 确定可调利率2021十大正规彩票平台每月还款额变化的利率或调整标准.
- 基础设施. The public facilities and services needed to support residential development, 包括高速公路, 桥梁, 学校, 下水道和供水系统
- 感兴趣. The cost paid to a lender for the use of borrowed money.
- 联合租赁. A form of ownership by which the tenants own a property equally. If one dies, the other would automatically inherit the entire property.
- 分期付款按揭. A mortgage whose payments are identical for each month over the life of the loan.
M-Z
- 抵押2021十大正规彩票平台经纪人. A broker who represents numerous lenders and helps consumers find affordable mortgages; the broker charges a fee only if the consumer fins a loan.
- 抵押2021十大正规彩票平台承诺. A formal written communication by a lender, agreeing to make a mortgage loan on a specific property, 指定2021十大正规彩票平台金额, 时间长度和条件.
- 按揭公司(按揭银行). A company that borrows money from a bank, lends it to consumers who want to buy homes, 然后把2021十大正规彩票平台卖给投资者.
- 抵押权人. 发放抵押2021十大正规彩票平台的2021十大正规彩票平台人.
- 抵押2021十大正规彩票平台. 以借款人的财产作为抵押，并可在较长时期内分期偿还的合同. The mortgagor (buyer) promises to repay principal and interest, 让房子有保险, 缴纳所有税款, and to keep the property in good condition.
- 按揭发起费. 2021十大正规彩票平台人就准备和处理按揭申请所涉及的工作收取的费用(通常为2021十大正规彩票平台金额的1%).
- 负摊还. 当每月还款额不足以支付所有到期利息时，2021十大正规彩票平台余额的增加.
- 请注意. A formal document showing the existence of a debt and stating the terms of repayment.
- 他. 本金、利息、税和保险(每月住房支付的4个主要组成部分).
- 点. A charge of 1 percent of the mortgage amount. 积分是2021十大正规彩票平台人在结算时评估的一次性费用，以增加抵押2021十大正规彩票平台的利息收益.
- 提前还款. Payment of all or part of a debt prior to its maturity.
- 主要. The amount borrowed in a loan, excluding interest and other charges.
- 财产调查. A survey to determine the boundaries of your property. The cost will depend on the complexity of the survey.
- 快速还款抵押. (参见股权抵押2021十大正规彩票平台增长).
- 记录的费用. A charge for recording the transfer of a property, 支付给一个城市, 县, or other appropriate branch of government.
- Real Estate 结算 Procedures Act (RESPA). 一项联邦法律要求2021十大正规彩票平台机构向购房者提供有关已知或估计结算成本的信息. The act also regulates other aspects of settlement procedures.
- 热阻. The resistance of insulation material (including windows) to heat passing through it. The higher the number, the greater the insulating value.
- 销售合同. A contract between a buyer and seller which should explain, 详细, 具体包括什么, 有什么保证呢?, 当买家搬进来的时候, 成交费用是多少啊, 如果合同没有履行，或者买方不能按照约定的条件获得抵押承诺，双方有什么追索权.
- 结算. (见关闭).
- 共同增值按揭. A loan in which partners agree to share specified portions of the downpayment, 每月的付款, 和欣赏.
- 共有财产租赁. A form of ownership in which the tenants own separate but equal parts. 继承财产, a surviving tenant would either have to be mentioned in the will or, 在没有遗嘱的情况下, be eligible through state inheritance laws.
- Title. 证明某人对财产拥有合法权利的证据(通常以证书或契约的形式.
- 转让税. 州和/或地方司法管辖区对财产转让或房地产2021十大正规彩票平台征收的税.
- 退伍军人管理局. 一个联邦机构，为光荣退伍的退伍军人和他们幸存的配偶提供抵押2021十大正规彩票平台保险，首付要求非常宽松.
- 演练. 在房屋转手前对房屋进行的最后一次检查，以寻找需要纠正的问题.
- 保修. 一个承诺, 无论是书面的还是暗示的, 产品的材料和工艺是无缺陷的，或者在规定的时间内达到规定的性能水平. 新房子的书面担保要么由保险公司担保，要么由建筑商自己担保.
- 分区. Regulations established by local governments regarding the location, 高度, and use for any given piece of property within a specific area.
