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)
钟子期听懂了俞伯牙的琴音——“巍巍乎若高山，荡荡乎若流水”,俞伯牙视其为知音。钟子期死后，面对江边一抔黄土，俞伯牙发出“此曲终兮不复弹，三尺瑶琴为君死”的感慨，摔琴而去，从此，高山流水，知音难觅。
红楼里，宝钗与黛玉皆爱宝玉，宝钗看重功名，常拿一些伦理纲常来压制他的不羁与顽劣，黛玉却从未提及这些，因她懂得他的心性，她说“ 你既为我之知己，自然我亦是你之知己”,造化弄人，木石前缘虽是虚空一场，却怀金悼玉，梦萦千古，今日读来依然荡气回肠！
不是所有的相遇都可以相知，不是所有的相知都可以永恒。生命里，我们只愿结交那些心性相宜的人，统一的语言，相同的志趣，将彼此的心灵拉近，一份懂得，不言不语，却在默契里滋生。
懂得，是两颗心的对望，潜生一种心灵感应，不发一言，便可知会。一声懂得，没有千言万语，却可以令人眸中含泪，心中蕴暖。
这世间太多人情薄凉，你是否觉得，有一个真正懂你的人，是一种幸福与慰藉呢？茫茫人海，你不孤单，有人愿与你同运命，共风雨，如此，多好！
风懂云的情怀，它，轻轻的吹送，云姿更加漫妙；雪懂梅的寒傲，它，悄悄的绽放，梅骨愈加清奇；泉懂山的伟岸，它，静静的流淌，山林更为葱茂；雨懂花的心思，它，无声的洒落，花香尤为清绝……
杏花疏影小楼边，一腔笛韵委婉悠扬；山亭古寺四月间，深涧桃花兀自娇娆；暗香疏影黄昏后，东篱素菊暗香盈袖；柴门冬雪夜归人，红泥火炉绿蚁新醅……若懂得，景与物，也相宜。
彷徨失意时，一句懂得，是严冬的一场花开春暖，茫然无助时，一句懂得，是酷暑的一阵清凉细雨，心与心的贴近，皆因一个“懂得”而欣慰，美好。