房产英语

DIAL UP

，无线上网：

WIRELESS INTERNET

。

12

地面：

FLOOR

，实木地板：

HARDWOOD FLOOR

，合成 地板：

LAMINA

TED FLOOR

，

地毯：

CARPET

，瓷砖：

TILE

。

13

空调：

AIR CONDITI ONER

简称

AC

，

< br>中央空调：

CENTRAL AC

，

窗式空调

WINDOW AC

UNIT

。

14

热水：

HOT WA

TER

，热水器

HOT W

ATER HEATER

，

15

淋浴：

SHOWER

BA

TH TUB

。

16

面积：外国人一般不用米制而是用英尺，一平米大约是< /p>

10

平方英尺，比如，

80

平米就

接近

800

平方英尺 ，

你跟他们说平米就像他们跟你说英尺一样，

平方英尺的表达方 式：

SQFT

，

比如

< br>1000

平方英尺：

1000SQFT

< br>。

(

一平方英尺

=0

0929

平方米

)

17

停车：

PARKING SPACE/LOT

，免费停车：

FREE PARKING

。

(

二

)

有关经纪人的和出租的

1)

房地产经纪人：

REAL ESTA

TE AGENT

，或者就叫

AGENT

。置业顾问，

也是

AGENT

，

或者叫

BROKER

也可以。

2)

佣金：

COMMISSION

3)

经纪

/

中介公司：

REAL ESTA

TE BROKERAGE/BROKER COMPANY

，

或者< /p>

REALTY/REAL

ESTATE

都可以。

4)

租金：

RENT

，一个月的租金：

ONE MONTH RENT

5)

租约：

LEASE/RENT AGREEMENT

，按月付租金：

MONTH BY MONTH

。

6)

押金：

DEPOSIT

，一个 月的押金：

ONE MONTH RENT

。

7)

水电全包：

ALL BILLS PAID

。

8)

房东：

LANDLORD

，或者

OWNER

，房客：

TENANT

9)

出租：

FOR RENT

，公寓出租：

APT FOR RENT

，房间出租：

ROOM FOR RENT

，别墅出

租：

HOUSE FOR RENT

。

10)

室友：

ROOMMA

TE

，诚征室友：

ROOMMATE WANTED

。

(

三

)

有关二手房交易的

1)

卖主：

SELLER 2)

买主：

BUYER 3)

要价：

LISTING PRICE

，

或

者

ASKING PRICE 4)

给价：

OFFER

，或者

OFFER PRICE 5)

过户：

CLOSING 6)

现金支

付：

CASH PURCHASE 7)

首期：

DOWN PAYMENT

Financing

is

the

key

to

most

real

estate

transactions

,

so

if

you

are

buying

real estate for your personal use , consumer credit considerations are

of paramount importance . Unlike the standard stock leveraging scheme ,

where the debt is capped at 50 percent of the principal value of the

transaction

,

the

standard

debt-to-asset

ratio

in

real

estate

or

what

the

banks

call

the

loan-to-value

ratio

,

is

80

percent

,with

a

20

percent

down

payment . In such an instance , the lender looks as much to the credit

of

the

borrower

as

to

the

value

of

the

property

,

to

be

sure

of

repayment

.

Hence , your record of payment of other debts , or lack thereof , will

be

a

critical

factor

in

whether

or

not

you

get

credit

for

a

home

purchase

.

Other factors that come into play are your overall financial picture .

If

you

have

large

amounts

of

other

assets

such

as

stocks

,

that

will

help

.

Retirement assets such as individual retirement accounts (IRAs) cannot

be used to secure loans , but even they may indirectly count in a

borrower’s favor as evidenc

e of astuteness .

If you are buying property for rental as a business , then more

businesslike

considerations

apply

.

The

bank

will

still

want

to

evaluate

loan- to-value and income-to-debt service ratios , but may give lesser

weight to your personal financial situation . Your past business

experience

,

either

in

real

estate

or

in

other

areas

,

will

be

taken

into

account , as will your business credit record . In unusual cases , the

lender may require you to sign for loans personally , in which case your

personal financial situation will matter . There are several types of

lenders . The most common one is a financial institution such as a bank

or

a

savings

and

loan

.

A

second

is

government

agencies

such

as

Veteran’s

Administration or the Federal Housing Authority . The third source of

financing is owner financing .

对 于大多数房地产交易来说，关键在于资金问题的解决。一旦你决定买房，

重中之重便是考 虑消费品信用贷款。与标准存量中要求债务上限为交易本金的

50%

的平衡计划不同，在房市中，标准负债与资产比率（银行称之为贷款与价值

比率）可 达

80%

，只需

20%

的预付定金。在这种情况下，贷方把借方的信誉和资

产看得同样考试