{"id":276546,"date":"2024-05-07T19:45:06","date_gmt":"2024-05-07T19:45:06","guid":{"rendered":"https:\/\/talkpal.ai\/vocabulary\/%e8%8b%b1%e8%af%ad%e6%88%bf%e5%9c%b0%e4%ba%a7%e5%92%8c%e4%bd%8f%e6%88%bf%e8%af%8d%e6%b1%87\/"},"modified":"2024-05-07T19:45:06","modified_gmt":"2024-05-07T19:45:06","slug":"%e8%8b%b1%e8%af%ad%e6%88%bf%e5%9c%b0%e4%ba%a7%e5%92%8c%e4%bd%8f%e6%88%bf%e8%af%8d%e6%b1%87","status":"publish","type":"vocabulary","link":"https:\/\/talkpal.ai\/zh-hans\/vocabulary\/%e8%8b%b1%e8%af%ad%e6%88%bf%e5%9c%b0%e4%ba%a7%e5%92%8c%e4%bd%8f%e6%88%bf%e8%af%8d%e6%b1%87\/","title":{"rendered":"\u82f1\u8bed\u623f\u5730\u4ea7\u548c\u4f4f\u623f\u8bcd\u6c47"},"content":{"rendered":"

\u5f53\u6211\u4eec\u8c08\u8bba\u623f\u5730\u4ea7\u548c\u4f4f\u623f\u65f6\uff0c\u4f1a\u9047\u5230\u5f88\u591a\u4e13\u4e1a\u8bcd\u6c47\u3002\u5bf9\u4e8e\u6b63\u5728\u5b66\u4e60\u82f1\u8bed\u7684\u4eba\u6765\u8bf4\uff0c\u638c\u63e1\u8fd9\u4e9b\u8bcd\u6c47\u5bf9\u4e8e\u7406\u89e3\u76f8\u5173\u8bdd\u9898\u548c\u8fdb\u884c\u4ea4\u6d41\u662f\u975e\u5e38\u91cd\u8981\u7684\u3002\u672c\u6587\u5c06\u4e3a\u60a8\u4ecb\u7ecd\u4e00\u4e9b\u5728\u623f\u5730\u4ea7\u9886\u57df\u5e38\u89c1\u7684\u82f1\u8bed\u8bcd\u6c47\uff0c\u5e76\u9644\u4e0a\u5b83\u4eec\u7684\u5b9a\u4e49\u548c\u4f8b\u53e5\uff0c\u5e2e\u52a9\u60a8\u66f4\u597d\u5730\u7406\u89e3\u548c\u8fd0\u7528\u8fd9\u4e9b\u8bcd\u6c47\u3002<\/p>\n

Real Estate<\/b>
\n\u623f\u5730\u4ea7\u6307\u7684\u662f\u571f\u5730\u53ca\u5176\u4e0a\u7684\u5efa\u7b51\u7269\u548c\u5176\u4ed6\u8d44\u6e90\u7684\u4e00\u79cd\u8d22\u4ea7\u3002
\nThe real estate market has been fluctuating a lot this year.<\/font><\/p>\n

Mortgage<\/b>
\n\u6309\u63ed\u662f\u4e00\u79cd\u501f\u8d37\u534f\u8bae\uff0c\u8d2d\u4e70\u8005\u5411\u94f6\u884c\u6216\u5176\u4ed6\u8d37\u6b3e\u673a\u6784\u501f\u6b3e\u8d2d\u4e70\u623f\u4ea7\uff0c\u5e76\u4ee5\u8be5\u623f\u4ea7\u4f5c\u4e3a\u62b5\u62bc\u3002
\nThey applied for a mortgage to buy their first home.<\/font><\/p>\n

Lease<\/b>
\n\u79df\u8d41\u662f\u6307\u4e00\u79cd\u534f\u8bae\u6216\u5408\u540c\uff0c\u623f\u5c4b\u6216\u516c\u5bd3\u7684\u6240\u6709\u8005\u5c06\u5176\u51fa\u79df\u7ed9\u79df\u6237\u3002
\nShe signed a one-year lease for the apartment downtown.<\/font><\/p>\n

Tenant<\/b>
\n\u79df\u6237\u6307\u7684\u662f\u79df\u8d41\u67d0\u5904\u623f\u4ea7\u5c45\u4f4f\u6216\u4f7f\u7528\u7684\u4e2a\u4eba\u6216\u5b9e\u4f53\u3002
\nThe landlord is responsible for repairs requested by the tenant.<\/font><\/p>\n

Landlord<\/b>
\n\u623f\u4e1c\u6307\u62e5\u6709\u623f\u4ea7\u5e76\u51fa\u79df\u7ed9\u4ed6\u4eba\u7684\u4e2a\u4eba\u6216\u673a\u6784\u3002
\nThe landlord raised the rent after our lease was up.<\/font><\/p>\n

Property Manager<\/b>
\n\u7269\u4e1a\u7ba1\u7406\u5458\u8d1f\u8d23\u7ba1\u7406\u79df\u8d41\u623f\u4ea7\uff0c\u5305\u62ec\u7ef4\u4fee\u3001\u79df\u91d1\u6536\u53d6\u548c\u79df\u6237\u5173\u7cfb\u7ba1\u7406\u3002
\nThe property manager sent a notice regarding the upcoming maintenance work.<\/font><\/p>\n

Down Payment<\/b>
\n\u9996\u4ed8\u662f\u8d2d\u623f\u8005\u5728\u8d2d\u4e70\u623f\u4ea7\u65f6\u652f\u4ed8\u7684\u521d\u59cb\u6b3e\u9879\uff0c\u901a\u5e38\u662f\u603b\u4ef7\u7684\u4e00\u90e8\u5206\u3002
\nThey saved for three years to make a down payment on a house.<\/font><\/p>\n

Foreclosure<\/b>
\n\u4e27\u5931\u8d4e\u56de\u6743\u6307\u7684\u662f\u501f\u6b3e\u4eba\u65e0\u6cd5\u652f\u4ed8\u6309\u63ed\u8d37\u6b3e\uff0c\u5bfc\u81f4\u94f6\u884c\u6216\u5176\u4ed6\u503a\u6743\u4eba\u56de\u6536\u623f\u4ea7\u7684\u8fc7\u7a0b\u3002
\nSeveral homes in the neighborhood are in foreclosure.<\/font><\/p>\n

Equity<\/b>
\n\u4ea7\u6743\u6307\u623f\u4ea7\u6240\u6709\u8005\u5728\u6263\u9664\u6240\u6709\u503a\u52a1\u540e\u5bf9\u623f\u4ea7\u7684\u6240\u6709\u6743\u5229\u76ca\u3002
\nThey’ve built up significant equity in their home over the years.<\/font><\/p>\n

Listing<\/b>
\n\u623f\u6e90\u662f\u6307\u51fa\u552e\u6216\u51fa\u79df\u623f\u4ea7\u65f6\u7684\u5e7f\u544a\u6216\u901a\u544a\u3002
\nThe realtor added the house to the listing this morning.<\/font><\/p>\n

Appraisal<\/b>
\n\u8bc4\u4f30\u662f\u6307\u5bf9\u623f\u4ea7\u4ef7\u503c\u7684\u4e13\u4e1a\u8bc4\u4f30\uff0c\u901a\u5e38\u4e3a\u4e86\u8d37\u6b3e\u3001\u51fa\u552e\u6216\u7a0e\u52a1\u76ee\u7684\u3002
\nThe bank ordered an appraisal of the property before approving the loan.<\/font><\/p>\n

Deed<\/b>
\n\u623f\u5951\u662f\u6b63\u5f0f\u6587\u4ef6\uff0c\u8bb0\u8f7d\u7740\u623f\u4ea7\u7684\u6240\u6709\u6743\u8f6c\u79fb\u3002
\nThe deed to the house was transferred to the new owners after closing.<\/font><\/p>\n

Homeowner’s Association (HOA)<\/b>
\n\u4e1a\u4e3b\u534f\u4f1a\u662f\u4e00\u4e2a\u7ec4\u7ec7\u6216\u56e2\u4f53\uff0c\u7ba1\u7406\u67d0\u4e2a\u4f4f\u5b85\u793e\u533a\u7684\u516c\u5171\u8bbe\u65bd\u548c\u670d\u52a1\u3002
\nThe HOA fees cover the cost of community pool maintenance.<\/font><\/p>\n

Escrow<\/b>
\n\u7b2c\u4e09\u65b9\u6258\u7ba1\u662f\u4e00\u4e2a\u6d89\u53ca\u7b2c\u4e09\u65b9\uff08\u5982\u5f8b\u5e08\u6216\u6258\u7ba1\u516c\u53f8\uff09\u4ee3\u4e3a\u4fdd\u7ba1\u8d44\u91d1\u6216\u6587\u4ef6\uff0c\u76f4\u5230\u4ea4\u6613\u5b8c\u6210\u7684\u8fc7\u7a0b\u3002
\nThe buyer’s deposit was put in escrow until the deal<\/a> was finalized.<\/font><\/p>\n

Amortization<\/b>
\n\u644a\u9500\u662f\u6307\u8d37\u6b3e\u6216\u62b5\u62bc\u7684\u8fd8\u6b3e\u8fc7\u7a0b\uff0c\u901a\u5e38\u901a\u8fc7\u56fa\u5b9a\u65f6\u95f4\u5185\u7684\u5b9a\u671f\u652f\u4ed8\u6765\u5b8c\u6210\u3002
\nThe loan will be fully amortized over 30 years.<\/font><\/p>\n

Adjustable-rate Mortgage (ARM)<\/b>
\n\u53ef\u8c03\u5229\u7387\u6309\u63ed\u6307\u7684\u662f\u4e00\u79cd\u6309\u63ed\u8d37\u6b3e\uff0c\u5176\u5229\u7387\u4f1a\u6839\u636e\u5e02\u573a\u7d22\u5f15\u7684\u53d8\u5316\u800c\u8c03\u6574\u3002
\nThey opted for an adjustable-rate mortgage to get a lower initial rate.<\/font><\/p>\n

Title<\/b>
\n\u623f\u4ea7\u6240\u6709\u6743\u6307\u5bf9\u623f\u4ea7\u7684\u6cd5\u5f8b\u6240\u6709\u6743\uff0c\u901a\u5e38\u901a\u8fc7\u6807\u9898\u6765\u8bc1\u660e\u3002
\nThe title search revealed no outstanding claims on the property.<\/font><\/p>\n

Closing Costs<\/b>
\n\u6210\u4ea4\u8d39\u7528\u662f\u6307\u5728\u623f\u4ea7\u4e70\u5356\u6210\u4ea4\u65f6\u9700\u652f\u4ed8\u7684\u4e00\u7cfb\u5217\u8d39\u7528\uff0c\u5305\u62ec\u5f8b\u5e08\u8d39\u3001\u767b\u8bb0\u8d39\u3001\u623f\u5951\u5370\u82b1\u7a0e\u7b49\u3002
\nBuyers should save extra money for closing costs, which can be significant.<\/font><\/p>\n

Refinancing<\/b>
\n\u518d\u878d\u8d44\u6307\u7684\u662f\u501f\u6b3e\u4eba\u83b7\u5f97\u65b0\u7684\u6309\u63ed\u8d37\u6b3e\u6765\u66ff\u6362\u73b0\u6709\u7684\u8d37\u6b3e\uff0c\u901a\u5e38\u662f\u4e3a\u4e86\u83b7\u5f97\u66f4\u597d\u7684\u8d37\u6b3e\u6761\u6b3e\u6216\u5229\u7387\u3002
\nShe is considering refinancing her mortgage to take advantage of lower interest rates.<\/font><\/p>\n

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