Glossary / Real Estate Terms

(ˆ—Õšý×Ó¨µ«Ó¶ýØ·ý) §Ó´ý·þؤ¥’·ý¯´ýœœ/©Óí¶ýÕ—©Óí¶ý §Ó´ýÕšý×Ó¨µ«Ó´ý
"This document has been created by SAREAA using intellectual property owed by the California Association of REALTORS® ("C.A.R.") under permission granted by C.A.R. C.A.R. has not reviewed or approved and does not endorse the translated version of this document."
©Ó¶ý.‰.ƒÕ¦ý. ¯´ýœÕýÑþÔÚÕ·ýœ ÈŸþ¥©Ó¶ý®´ý ‚®´ýœ¯´ýœÇþƤ¥ ؗ٬þˆ¨¼ÕšýïÕýœ´œÚ ÕšýÕýœ´œÚÙçþÕ¦ýû ‚©ª¼©Ó¶ýÕýÅœ¥œ«Ó´ý®¦ý (©Ó¶ý.‰.ƒÕ¦ý.) ¯—Õšý ¯Ÿý¥œÁ—§Ó´ýÕ·ý¯¢Ÿýœ®´ý ©Ó´ýÕý§Ó´ýÇìþ©¬ý †§Ó´ýÕýÅœœÚ”šýÕýÈ·þœØ·ýœ©¬ý … ·þ©ªì—¯Ÿý¥ÑþÔ®´ýœ ˆý©Ó¾ý.‰.ƒÕ¦ý.„.‰.‰.ÈŸþ¥ Õ·ýœÚˆ»ÕýšþÕýÈ·þ×ÓþÀ˜þÕýšþ. … ·þ©ªì—¯Ÿý¥ÑþÔÕýÅœœœØ·ýÞ ‚®´ýœ¯´ýšþÕýÈ·þ×ÓþÀ˜þ®´ý ¯ŸýÕú·ý®¦ý®´ýœ ©Ó¶ý.‰.ƒÕ¦ý. ©Ó´ý§¬¡ýœ‘˜ýÕýÈ·þÙÅþ¥Â·þœ ÙÅþ¥Â— ƒ¯ŸýœÚšþÕýÈ·þÙÅþ¥Â·þœ Ø·ý®´ýœØ·ý, ›þ©¬ý©¬ý ©Ó´ý¯´ýœÕíšýÕýÈ·þ·þœ.

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7/23 and 5/25 Mortgages: (7/23 ¯´ýœÕšýÕýœ´œœ 5/25 ¯ŸýœÚÕ¦çý”Ÿý¥ÑÅþ©Ó¾ý ) : Æ·þ®´ýÏÓµÙþœ: ‰ÀŸþ¥ÛÃþ³÷, ‚ÕýœœÂŸþ¥ÛÃþ÷ (¯´ýÕ·ýœ©Ó´ý”—) Æ·þÕ·ýœ¯—Æ·þ ‹ýØŸý¥©ª—Õšý”— ¯´ýœœÚÙþóÕý (ÕŸý¥Öþœ) ©Ó´ýÕî·ýœ×ÓµÖþœ.

3/1, 5/1, 7/1 and 10/1 ARMs: (3/1, 5/1, 7/1 ¯´ýœÕšýÕýœ´œœ 10/1 ‰.ƒÕ¦ý.ˆý¯¦ýœÙþœ ) : ©Ó´ýÕî·ýœ×ÓµÖþÕýÅœ¥œó ÕŸý¥Öþœ Æ·þ®´ýÏÓµÙþœ: ›þ©¬ýÙÌ¥ ÕŸý¥Öþœ®´ýœ ¯´ýœœÚÀ·þœ, ‚ÕýœœÂ·þœ, ‰À·þœ, 10 ‰ÛÃþ÷ Ø—Ùþ ¯´ýó¯´ý¨·þœÙþ ˆ—Öþœ (¯´ýÕ·ýœ©Ó´ý”—) †ÕýÀŸþ¥ÖþÖöþœ ©¬ýÕë·ýÕýœœ©ªì—Õ·ýœ.

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Acceleration: ( Õýœ´œÚؘýûÙþÕŸý¥«Ó´ý®¦ý ) : Æ·þ®´ýÏÓµ (mortgagee) (¯ŸýœÚÕ¦çý”Ÿý¥Òþ¥) Æ·þøÕ·ýÝþÕý / ¯Ÿý¥”·ý¯´ýüÂîêšþ: Æ·þ®´ýÏÓµ Õ·ýœÝµ©¬ýï Æ·þ‘·ýÝþÕý ÈŸþÙ¬öþÕýÈ—Ùþ®Ÿý¥ Æ·þ®´ýÏÓµ(Õ·ýœÝþ—Ʒþ) À˜þ¯´ýœÚÕýÀ·þœ. §¬ýœ”·ýÆ— ¯ŸýœœÆì—©¬ýï Æ·þ®´ýÏÓµ (Õ·ýœÝþ ô”—±¶ýý) ˆý”·ý¯Ÿý¥©Ó¶ý®´ý§Ó´ý¸À·þœ Ø—©¬¡ý ‹ý§Ó´ýðÕý·þÕýÙÌ¥©¬ý À·þœó ƒ®¦ý º©ÓýÙÎþ «Ó´ýÕ·ýÆ·þœ ô§Ó´ýØ—Õ·ýÕý Ø—©¬¡ý ÈŸþÙ¬öþÕýÈ—Ù¬þ,

Adjustable-Rate Mortgage (ARM): ( ‚Àä·þ©Óç´ý×ÓþœÙÎþ-ÕŸý¥ÖÎþ ¯ŸýœÚÕ¦çý”Ÿý¥ ÑÎþ (‰.ƒÕ¦ý.ˆý¯¦ýœ.) ) : ©Ó´ýÕî·ýœ×ÓµÖþœ ‚ÕýÅœ¥œó ÕŸý¥Öþœ †ÕýÀŸþ¥ Æ·þ®´ýÏÓµ: (‰ƒÕ¦ýˆý¯¦ýœ): ®ŸýÙþ©Ó´ýÕšý ÈŸþÙ¬öþÕý§Ó´ý¸Ùþœ Ø—ÙþôØ·ý¯´ýœÕýÙÌ¥ ¹§ÓýÕ·ý”·ýÖµ©¬ýؘý Ø—©¬¡ý, Æ·þ”à·ýÖµ©¬ýؘý ”—©¬¡ý §¬¡ýÙþœ Ø·ýÙ¬þðÕýÈŸþ¥ Õ·ýœÝþÕý. „šþ ‰ƒÕ¦ýˆý¯¦ýœ ¯´ýÀé™þÕŸý¥Öþœ ©Ó´ýœÚÉþØ·ý ¯´ýœÚÕ·ýœðÙþ¹§Ó¢ý ƒÂ¨—Õ·ý§Ó´ýÀ·þœÆ·þœÕýšþ. ‰ƒÕ¦ýˆý¯¦ýœ ÈŸþÙ¬öþÕý§Ó´ý¸Ùþ®´ýœ ô§Ó´ýÇþ ƒÕ·ýœ ®ŸýÙþÙþؤ¥, ‰À—šþؤ¥ ©Ó´ý¯´ýÕšý©ªì—Õ·ýœ. ‰ƒÕ¦ýˆý¯¦ýœ ÈŸþÙ¬öþÕý§Ó´ý¸Ùþ®´ýœ ©ª—¨—Õ·ýÝþÕý”— ¯´ýœœÀ˜þ§Ó´ýÀ˜þ †ÕýÀŸþ¥ ©Ó´ýœÚÉþØ·ýÙöÌ¥ 11¯´ý À˜þ©Óç¶ýõئýû Ø—©Ó¾çý ƒ§Ó¨¾ý §Ó¨´ýÕýÀ·þœû, ‰À—šþ Öþ¶-®¤¥Öþœ, ƒÕ·ýœ®ŸýÙþÙþ Öþ¶-׬þÙöþœ Ø·ýœÚÀ— †ÕýÖµÕý œœ.

Adjusted Basis:( ‚Àä·þ¹©ÓçýÀ¦þ ×ÓÅþ¥©Ó¶ý©Ó¾ý ) : ©Ó´ýÕî·ýœ×ÓµÖþœ (©Ó´ý¯´ýÕšýÕýÉþ®´ý) ÈŸþ¥©Ó¶ý®´ý ôˆ—Çþ§Ó´ýšþØ·ý: ©Óí¶ýÕ—©Óí¶ý ¨·þÕ·ýØ·ýœ ©Óí¶ýÕ—©Óí¶ý ¯ŸýœÕ·ýœ”·ýœÂ·þÙþ ؤ¥©Ó´ýÕý ÈŸþ¥©Ó¶ý ‰ ¯´ýœœÚÙþ¨·þ®´ý ¯´ýóÕýœ´œ §¬ýÙþœ¯´ý®¢Ÿý®— Ø·ýÙ¬þ§Ó¶ý ƒ ¯ŸýœœÆì·þÕý ®´ýœÕýÉþ Æ·þÕ·ýœ”·ýœÂ·þÙþ ÏÓþÕ·ýœâ®´ýœ §¬ýœ®´ý²ýýÕýœœ©ªì—Õ·ýœ.

Adjustment Date: ( ‚Àä·þ©Ó¾çý¯ŸýœÕýÖÎþ ÀŸþ¥ÖÎþ ) : ©Ó´ýÕî·ýœ×ÓµÖþœ ÆŸþ¥Â›þ: ©Ó´ýÕî·ýœ×ÓµÖþœ ÑþÕšý”Ÿý¥ ÕŸý¥Öþœ Æ·þ®´ýÏÓµ¹§Ó¢ý ¯´ýÀé™þÕŸý¥Öþœ ¯´ýœÚÕŸý¥ ÆŸþ¥Â›þ.

Adjustment Interval: ( ‚Àä·þ©Ó¾çý¯ŸýœÕýÖÎþ „ÕýÖþÕ¦ý¯ŸýÙÎþ ) : ©Ó´ýÕî·ýœ×ÓµÖþœ §¬ýÕ—¯´ýœÕý: ©Ó´ýÕî·ýœ×ÓµÖþœ ÕŸý¥Öþœ Æ·þ®´ýÏÓµ¹§Ó¢ý ¯´ýœÚÕ·ýœðÙþœ

Adjustment Period: ( ‚Àä·þ©Ó¾çý¯ŸýœÕýÖÎþ §Ó¶¥ýÕšýÕýœ´œÀ¦þ ): ©Ó´ýÕî·ýœ×ÓµÖþœ ¯´ýó¯´ý¨šþ: ‹ýØ·ý ©Ó´ýÕî·ýœ×ÓµÖþœ ‚ÕýÅœ¥œó ÕŸý¥Öþœ Æ·þ®´ýÏÓµ §¬ý«Ó´ýÕýœ´œÕýÙÌ¥ ©Ó´ýÕî·ýœ×ÓµÖþœ ÆŸþ¥Â›þÙþ ¯´ýœÂ¨·þó †ÕýÀŸþ¥ ¯´ýó¯´ý¨šþ.

Affordability Analysis: (ˆýˆ¨¼Õé·ý׬þÙ¬þÖþ¶¥ ‚®—Ù¬þ©Ó¶ý©Ó¾ý) ©ªí¼¯´ýœÆ·þ §¬ý’öŸý¥«Ó´ýÝþ: ‹ýØ·ý „ÕýÖþ¶©¬ý ؤ®Ÿý¥Õý·þœØ·ýœ ؤ®´ýœ”¤¥ÙþœÂ—Õ·ýœ©¬ý ©ª—¯´ýœÕí·ýó §¬ý’öŸý¥«Ó´ýÝþ. ƒÂ—Õýœ´œÕý, ×ӵ¨·þóÆ·þÙþœ, ©Ó´ý¯´ýœØ·ýœÚÕŸý¥ ©¬ý¨·þœÙþ®´ýœ ©Ó´ý§¬¡ýœ‘˜ý©Óì´ýœÕýšþ. §¬¡ýœÕ·ýœ §¬ý©¬ýÕýÅœœÚ”šýÕýÈ·þ·þÙþÈŸþ¥ Æ·þ®´ýÏÓµ Æ·þÕ·ý²ýý, §¬¡ýœÕ·ýœ ؤ®´ý·þÙþÈŸþ¥ „ÕýÖþ¶ ôˆ—ÕýÆ·þÕý, ©Ó´ýÕý×Ó¨µ¯´ýó ®ŸýÙþÙþ®´ýœ §Ó´ýÕšý“¡ýÙ¬þ©Óì´ýœÕýšþ.

Amortization: (ˆý¯ŸýœÚÕ磟ýÑÅþ¥«Ó´ý®¦ý) Õ·ýœÝþ §¬ý¯ŸýœÚÈ·þ®´ý : Æ·þ®´ýÏÓµ®´ýœ ôØ·ý¯´ýœÕý”— ®ŸýÙþ¯—Õ›ý (†Â— : ¯—ÕýœœÂ—) ÈŸþÙ¬öþÕý§Ó´ý¸Ùþ —øÕ— Ç¡þÕ·ýâÖþÕý. Æ·þ®´ýÏÓµ Ƥ٬þ ©Ó´ýÕý¯´ýÆ·þûÕ—ÙþÙÌ¥ ®ŸýÙþ¯—Õ›ý ÈŸþÙ¬öþÕý§Ó´ý¸ÙÌ¥ È—Ùµ ×Ó¨µ”·ýÕý ¯´ýÀé™þ ؤ¥©Ó´ý¯Ÿý¥œ †ÕýÖþœÕýšþ. Æ·þ®´ýÏÓµ Æ·þÕ·ýœ¯—Çþ Ø—ÙþÕýÙÌ¥ ÈŸþÙ¬öþÕý§Ó´ý¸ÙÌ¥ ‚¨šþØ·ý ×Ó¨µ”·ýÕý Õ·ýœÝþÕý ‚©Ó´ýÙþœ ×Ó¨µ”—©¬ýï Æ·þ”àšýÕýÈ·þÖµ©¬ýؘý †§Ó´ýÕýÅœœÚ”·ý§Ó´ýÀ·þœÆ·þœÕýšþ.

Amortization Term: (ˆý¯ŸýœÚÕ磟ýÑÅþ¥«Ó´ý®¦ý ÖþÕ¦ýò) §¬ý¯ŸýœÚÈ·þ®´ý ¯´ýó¯´ý¨šþ: Æ·þ®´ýÏÓµ Õ·ýœÝµ©¬ýï Ç¡þÕ·ýâÖµ©¬ýؘý ‚¯´ý©Ó´ýÕ·ý¯¢Ÿýœ®´ý ¯´ýó¯´ý¨šþ. ›þ©¬ý©¬ý ®ŸýÙþÙöÌ¥ ¯´ýóØì·ýÕý ÈŸþ¥©ªì—Õ·ýœ. †Â—. 30 ‰ÛÃþ÷ ©Óí¶ýÕ·ýÕŸý¥Öþœ Æ·þ®´ýÏӵطýœ Õ·ýœÝþ §¬ý¯ŸýœÚÈ·þ®´ý ¯´ýó¯´ý¨šþ 360 ®ŸýÙþÙþœ.

Annual Percentage Rate (APR): (Õýœ´œÚ®´ýœó¯´ýÙÎþ §Ó´ýÕ·ýùÕýÖÅþ¥ÑÎþ ÕŸý¥ÖÎþ (‰ƒÕ¦ýƒÕ¦ý) ¯—ÕúšýØ·ý ÕŸý¥Öþœ ’—Æ·þÕý (‰§Ó¶ýƒÕ¦ý): ¯´ýÀé™þ, Õ·ýœÝþ §Ó¨¶¥ýÑþÔ, „Æ·þÕ·ý ¯´ýóÕýœ´œÚÙþƤ¥ ©Ó´ý²ýý Æ·þ®´ýÏÓµ ¯—ÕúšýØ·ý ÏÓþÕ·ýœâ. ›þ©¬ý©¬ý Õ·ýœÝþ ¯ŸýœœÆì·þÕý ’—Æ·þÕý”— ÈŸþ×ÓþœÆ—Õ·ýœ.

Appraisal/Appraised Value: ( ‚¹§Ó¢ýõÑþÙÎþ/ ˆý¹§Ó¢ýõÑÎþÀ¦þ ¯—ÙþœÚó) ¯´ýœœÚÙþó ©¬ýÕëŸý¥Æ·þ/¯´ýœÂšþÕý§Ó´ý¸ ÈŸþ¥©Ó¶ý®´ý §¬ýÙþœ¯´ý: ˆýº©ÓçýÖþœ ¯´ýœœÚÙþó ©¬ýÕëŸý¥Æ·þ(‚¹§Ó¢ýõÑþÕ·ýœ) ô§Ó´ýØ—Õ·ýÕý ‹ýØ·ý „ÕýÖþ¶ ¯´ýœÚÕŸýÞÖþœ §¬ýÙþœ¯´ý.

Arbitration: ( ƒÕšýñôÖÅþ¥«Ó´ý®¦ý) ¯´ýœÂ¨·þó¯´ýÕìšýÆ·þøÕý: ®—óÕýœ´œ©ªí—®´ý ¯´ýó¯´ý©Óí´ýØ·ýœ ©Ó´ýÕý×ÓþÕý¨·þÕýÙÅþ¥©¬ý Æ·þ”—— §Ó´ýÕšý«ª—ÞÕ—©¬ýï ¯´ýÕëšýÕýÈŸþ¥ §Ó´ýÕšý×Ó¨µ«Ó´ý. „šþ ©ª—¨—Õ·ýÝþÕý”— ¯´ý¿Ù¬þØ·ýÕý”— ¯´ýœÂ¨·þó¯´ýÕìšýÆ·þøÕý Æ·þ”—— §Ó´ýÕšý«ª—ÞÕ·ý ¯´ýó¯´ý©Óí´ý. ›þ©¬ýÙÌ¥ §Ó´ý‘—Ùþœ ¯—·þ®´ýÙþœ, Õ·ýœÑþÔ¯´ý¸Ùþœ ¯´ýœÂ¨·þó¯—Õ·ýœ ‚©¬ý§Ó¶ýÕýÈŸþ¥ Æ·þÖþ©Óí´ý ¯´ýóØì˜ýؘý ©Ó´ý¯´ýœÕšýð©ªì—Õýœœ. ƒ ¯´ýóØì˜ý ‚§Ó´ýðœÀ·þœ ¯´ýœÂ¨·þó¯´ýÕìšý Ç¡þÕ·ýœð ‚®Ÿý¥ ©¬ýÕë·ýÕýœ´œÚ©¬ýï ©Ó´ý¯´ýœÕšýðÕýÉþ®´ý ¯—·þ®´ýÙþœ, ©ª—‘—óÙþ ƒÂ¨—Õ·ýÕý”— ô§Ó´ýØ·ýÖþ¶©ªì—À·þœ.

Assessment: (‚¹©Óý©Ó¾ý¯ŸýœÕýÖÎþ) ©¬ýÕîê—ÕšýÆ·þ §Ó´ý®´ýœï: (©¬¡ýÖþ¶) Ø—Ùþœ¯´ý, §¬¡ý¨šþ ›þˆ—Ùþœ ¯—Öþ¶ ©¬ýÕîšý«Óç´ý ©Ó´ý¯´ýœÚÑþ Ùþ‘·ýóÕý ؤ¥©Ó´ýÕý ƒ©Óí¶ý¹§Ó¢ý §¬ý¨šþÕýÈŸþ¥ ©ªí—©¬ýØ·ý §Ó´ý®´ýœï.

Assignment: (‚¹©Ó¢ý®¦ý¯ŸýœÕýÖÎþ) ‚Õ·ýðÝþ: ‹ý§Ó´ýðÕý·þ ±´ýýØ·ýœÞÙþœ/×ӵ¨·þóÆ·þ®´ýœ ‹ýØ·ý ¯´ýóØì˜ý ®´ýœÕýÉþ ¯´ýœÕ¤Ø·ý ¯´ýóØì˜ýؘý ×ÓþšþÙ¬¡þ ÈŸþ¥Õýœ´œÖþÕý. Æ—Ø·ýÖçþœ ×ӵ¨·þóÆ·þ ×ÓþšþÙ¬¡þ ¯´ýÕýÖþ¶ÂŸþ¥Ø—©¬¡ý ›þ©¬ýØŸý¥ §Ó´ýÕšý§¬ýœÆ·þÕý ؗ·þœ. ‚Õ·ýðÝþ (§Ó´ý¸ÚÕìšý ±´ýýØ·ýœÞ Ø·ýÙþð®´ý) ‚®Ÿý¥Âšþ È·þÖçþ§Ó´ýÕ·ý¯¢Ÿýœ®´ý §Ó´ýÕšý×Ó¨µ«Ó´ý. ‹ýØ·ý Ø·ýÕýôÖµØç·ýœ ®´ýœÕýÉþ ¯´ýœÕ¤Ø·ý —©¬ýؘý ô§Ó´ýÕýÅœœÚÑþ®—©¬ýï ×ÓþšþÙ¬¡þÈŸþ¥Õýœ´œÖþÕý.

Assumable Mortgage: (‚ÑþÔÚó¯´ýœ×ÓþœÙÎþ ¯ŸýœÚÕ¦çý”Ÿý¥ÑÎþ) ©Ó¶¥ýøØ·ýÕšýÕýÈ·þ”·ýÙþ Æ—Ø·ýÖçþœ: ©Ó¶¥ýøØ·ýÕšýÕýÈ·þ”·ýÙþ Æ—Ø·ýÖçþœ®´ýœ ‚¯´ýœòØ·ýÕý—շýœ ®´ýœÕýÉþ ôؤÆì·þ ؤ®´ýœ”¤¥ÙþœÂ—Õ·ýœØ·ýœ ×Óþ·þÙµÕýœœÕý§Ó´ý¸ ÈŸþ¥Õýœ´œ¯´ýÈ·þœâ. ©ª—¨—Õ·ýÝþÕý”— ›þ©¬ýؘý ôؤÆì·þ Õ·ýœÝþ ô”—±¶ýý Õ·ýœÝþ ©Ó´ý§¬¡ýœ‘·ý ‚¯´ý©Ó´ýÕ·ý¯´ýœ¯´ý¸Æ·þœÕýšþ. Õ·ýœÝþ—ƷþÙþœ … ©Ó¶¥ýøØ—Õ—©¬ýؘý Õ·ýœ©Ó´ýœ¯´ýœœ ¯´ý©Ó´ýœÚÙþœ ÈŸþ¥Õýœ´œ¯´ýÈ·þœâ. Æ—Ø·ýÖçþœÙÌ¥ À·þœÚó-ƒ®¦ý-º©ÓýÙÎþ «Ó´ýÕ·ýÆ·þœ †ÕýÖÅþ¥ ôؤÆì·þ ؤ®´ýœ”¤¥ÙþœÂ—Õ·ýœ Æ—Ø·ýÖçþœ®´ýœ ©Ó¶¥ýøØ·ýÕšýÕýÈ·þØ·ýˆ¼¯´ýÈ·þœâ.

Assumption: (‚ÑþÕý§Óú´ý®¦ý) ©Ó¶¥ýøØ—Õ·ýÕý: ؤ®´ýœ”¤¥ÙþœÂ—Õ·ýœ ¯´ýÕì·ý¯´ýœÚ®´ý Æ—Ø·ýÖçþœ¹§Ó¢ý ‚¯´ýœòØ·ýÕý—շýœ ®´ýœÕýÉþ ÈŸþÙ¬öþÕý§Ó´ý¸Ùþ®´ýœ ©Ó¶¥ýøØ·ýÕšýÕýÈŸþ¥ ؤ®´ýœ”¤¥ÙþœÂ—Õ·ýœ, ‚¯´ýœòØ·ýÕý—շýœÙþ ¯´ýœÂ¨·þó ‹ý§Ó´ýðÕý·þÕý. ¯´ýÕì·ý¯´ýœÚ®´ý Æ—Ø·ýÖçþœ Õ·ýœÝµ©¬ýï ©Ó¶¥ýøØ·ýÕšýÕýÈ·þÖþÕý —øÕ— ؤ®´ýœ”¤¥ÙþœÂ—Õ·ýœØ·ýœ ©ª—¨—Õ·ýÝþÕý”— Õ·ýœÝþÕý Ùµ×Ó¨µ©¬ýï ÈŸþ¥Ø·ýœÚÕ·ýœ©Óì´ýœÕý·þ©¬ý ×Ó¨µ§¬ýº©Óìý … ‹ý§Ó´ýðÕý·þÕý Ø·ýœÂ·þœÕ·ýœâØ·ýœÕýÖµÕ·ýœ. ôؤÆì·þ Æ·þ®´ýÏÓµÙÌ¥ ÏÓþÕ·ýœâÙþœ, ¯´ýœÚÕŸýÞÖþœÙÌ¥ †ÕýÀŸþ¥ ¯´ýÀé™þÕŸý¥Ööþœ ¯´ýÕìšýÕýÈ·þÖþ¯Ÿý¥œ … ×Ó¨µ¯´ý®´ýØ·ýœ Ø—Õ·ýÝþÕý.

Assumption Fee: (‚ÑþÕý§Óú´ý®¦ý §Ó¨¶¥) ©Ó¶¥ýøØ—Õ·ý Õ·ýœ©Ó´ýœ¯´ýœœ: Õ·ýœÝþô”—±¶ýýؘý (©ª—¨—Õ·ýÝþÕý”— ©Óí¶ýÕ—©Óí¶ý ؤ®´ýœ”¤¥ÙþœÂ—øÕ—) ©Ó¶¥ýøØ—Õ·ýÕý ÑþÕšý”šý®´ý§Ó´ý¸À·þœ ÈŸþÙ¬öþÕýÈŸþ¥ Õ·ýœ©Ó´ýœ¯´ýœœ.


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Balloon Mortgage: (×ÓÅþÙþœÚ®¦ý ¯ŸýœÚÕ¦çý”Ÿý¥ÑÎþ) ×ÓÅþÙþœÚ®´ýœ Æ—Ø·ýÖçþœ: §¬ý¯ŸýœÚÈ·þ®´ý ؤշýØ·ýœ Õ·ýœÝþ ¯´ýó¯´ý¨šþ Ø·ýÕýÖÅþ¥ ©Ó´ýœÂ›þÕá·ýØ—ÙþÕý §Ó´ýÖçÅþ¥ Õ·ýœÝþÕý. ›þ©¬ý©¬ý ©ª—¨—Õ·ýÝþÕý”— 30 ‰ÛÃþ÷ Õ·ýœÝþ §¬ý¯ŸýœÚÈ·þ®´ý, ‚ÕýœœÂŸþ¥ÛÃþ÷ ¯´ýó¯´ý¨šþؘý ©Ó´ýÕý×ÓþÕý¨šþÕýÉþÕýšþ. Õ·ýœÝþ ¯´ýó¯´ý¨šþ ‚ÕýÆ—®´ý, Õ·ýœÝþÕý¹§Ó¢ý §¬ýœ”šýÙ¬þ®´ý ‚©Ó´ýÙþœ ×ӵؙý †ÕýÖþœÕýšþ.

Balloon Payment: (×ÓÅþÙþœÚ®¦ý º§Óý¯ŸýœÕýÖÎþ) ×ÓÅþÙþœÚ®´ýœ ÈŸþÙ¬öþÕý§Ó´ý¸: ×ÓÅþÙþœÚ®´ýœ Æ—Ø·ýÖçþœ ¯´ýœœ”šýº©Óý ÆŸþ¥Â›þ®´ý ƒÏÓþÕ·ýœ©ª—Õšý ÈŸþÙ¬öþÕýÈŸþ¥ ¹§ÓýÂî·þ ¯ŸýœœÆì·þÕý (ÕŸýÕýÀ·þœ ¯—Õ—ÙþØ·ýœ ‹ýØ·ý©ª—Õšý).

Biweekly Payment Mortgage: (×Ó¢Åþ§¬¡ýØö™ý º§Óý¯ŸýœÕýÖÎþ ¯ŸýœÚÕ¦çý”Ÿý¥ÑÎþ) ÕŸýÕýÀ·þœ ¯—Õ—ÙþØ·ýœ ‹ýØ·ý©ª—Õšý ÈŸþÙ¬öþÕý§Ó´ý¸ Æ·þ®´ýÏÓµ: Æ·þ®´ýÏÓµ ÈŸþÙ¬öþÕý§Ó´ý¸ ô§Ó´ýÇþ ÕŸýÕýÀ·þœ ¯—Õ—ÙþØ·ýœ ‹ýØ·ý©ª—Õšý ÈŸþ¥º©Óý ÕýÅœœÚÑþ®´ý (ôˆ—¯´ýœÚÝþ¶Ø·ý ®ŸýÙþ¯—Õ›ý ÈŸþÙ¬öþÕý§Ó´ý¸ ©Ó´ýœÚÉ¡þ ©ªí—®´ýÕýÙÌ¥). Õ·ýœÝþÕý ôˆ—¯´ýœÚÝþ¶Ø·ý 30 ‰ÛöÃþ ©Óí¶ýÕ·ý ÕŸý¥Öþœ Æ—Ø·ýÖçþœ ‚ÕýœœÆŸþ¥ 26 (ÙÅþ¥Â— 27) šþø¯—©Ó´ýÕ·ý ÈŸþÙ¬öþÕý§Ó´ý¸ ‹ýؤÞØ·ýÞÖþ¶¥ ®ŸýÙþ¯—Õ›ý ÈŸþÙ¬öþÕý§Ó´ý¸ÙÌ¥ ©Ó´ý”·ýÕý †ÕýÖµÕýœœ. Õ·ýœÝþ ô”·ý±¶¥ýýÆ·þØ·ýœ §Ó´ýÕ·ýó¯´ý©ª—®´ýÕý”— ¯´ýÀé™þ ¯ŸýœœÆì·þÕý Æ·þ”à·ýœÆ·þœÕýšþ.

Blanket Mortgage: (×ÓöµÕýØŸýÖÎþ ¯ŸýœÚÕ¦çý”Ÿý¥ÑÎþ) ×ÓöµÕýØŸýÖÎþ Æ—Ø·ýÖçþœ: ‹ýØŸý¥ Æ—Ø·ýÖçþœØ·ýœ Ø·ý©¬¡ý©Ó´ýÕý ÕŸýÕýÀ·þœ ©Óí¶ýÕ—©Óí´ýœÙþ®´ýœ ×Ó¨Ãþô·þÆ·þ”— Ø·ýÙ¬þ”šý †ÕýÀŸþ¥ Æ—Ø·ýÖçþœ.

Borrower (Mortgager): ×ÓµÕ¤¥¯´ýÕ¦ý (¯ŸýœÚÕ¦çý”Ÿý¥ÑþÕ¦ý) Õ·ýœÝþô”—±¶ýý (Æ·þ®´ýÏÓµ Õ·ýœÝþô”·ý©Óì´ýœÀ·þœ) : Õ·ýœÝµ©¬ýï §Ó´ý¸ÚÕìšý”— ÇþÕšý”šý ÈŸþÙ¬öþÕýÈŸþ¥ †ÂîŸþ¥’·ýÕýƤ¥ Õ·ýœÝþÕý ؤշýØ·ýœ ·þÕ·ýÏÓµ©Óì´ýœ ÈŸþ¥©Ó¶ý, ˆ»ÕýŸþ¥ ¯´ýóØì˜ý.

Bridge Loan:(ô׬þÀä˜þ ÙÌ¥®¦ý) ô׬þÀä˜þ Õ·ýœÝþÕý: Æ—Ø·ýÖçþœÙÌ¥ ¯´ý¸®´ýï Õ·ýœÝþô”—±¶ýý ô§Ó´ý©Óì´ýœÆ·þ „ÕýÖþ¶Ø˜ý ÕŸýÕýÀ¤¥ ѵ§¬¡ýœ®´ýœ. ›þ©¬ý¯´ýÙþ®´ý ô§Ó´ý©Óì´ýœÆ·þ „ÕýÖþ¶©¬ý ‚¯Ÿý¥œò ¯´ýœœÕý·þœ «Ó´ýÕ·ýÆ·þœÙþœ ôؤÆì·þ ÕýœœÕýÖþ¶Ø˜ý ¯´ýÕìšý©ªì—Õýœœ. ›þ©¬ý©¬ý ©Ó¶ýøÕý”·ýœÙÌ¥®´ýœ ‚©¬ý Ø·ýœÚÀ— ‚ÕýÖµÕ·ýœ.

Broker: (ô×Ó̥طýÕ·ýœ) ·þÛµÕšý: ‹ýØ·ý Øö·ýÕýœœÕýÖþœ ؤ¥©Ó´ýÕý ‹ý§Ó´ýðÕý—Ùþ®´ýœ Ø·ýœÂ·þÕ·ýâÖþÕý ؤշýØ·ýœ Ø—©¬¡ý ©¬ý¨·þœÙþ®´ýœ ©Ó´ý¯´ýœØ·ýœÚÕ·ýâÖþÕýÙÌ¥ Ƥ¥À·þðÀŸþ¥ ¯´ýóØì˜ý. ô×Ó̥طýÕö·ýœ ©ª—¨—Õ·ýÝþÕý”— ¯—Õšý º©Óý¯´ýÙþØ·ýœ §Ó¨¶¥ýÑþÔ (Õ·ýœ©Ó´ýœÕý) Ø—©¬¡ý Ø·ý§¬¡ýœ«Ó´ý®´ýœ Ø—©¬¡ý ¯´ý©Ó´ýœÚÙþœ ÈŸþ¥©ªì—Õ·ýœ.

Buy-down: (×Ó¢ÅþÀ°®´ýœ) : Õ·ýœÝþô”—±¶ýý, „ÕýÖþ¶ ׬þÙéþÕ·ýœ ôˆ—Õ·ýÕý×Ó¨Ãþ§Ó´ý¸ Ƥ٬þ ©Ó´ýÕý¯´ýÆ·þûÕ—ÙþÙÌ¥ ¯´ýÀé™þÕŸý¥Öþœ®´ýœ Æ·þ”àšýÕýÈ·þÖþÕý —øÕ— Æ—Ø·ýÖçþœ®´ýœ ©Ó´ý׬¡þûÀ™þ©¬ý Ø·ýÙ¬þðÕýÈ·þÖþÕý.


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Caps: (Ø—ó§Ó¾ýû) §Ó´ýÕšý§¬ýœÆ·þœÙþœ: ©Ó´ýÕî·ýœ×ÓµÖþœÕŸý¥Öþœ Æ·þ®´ýÏÓµ ©¬ý×ÓþÕý¨·þ®´ýÙþœ. „§¬ý ô§Ó´ýÇþ ©Ó´ýÕî·ýœ×ÓµÖþœ ‚¯´ý¨šþØ™ý ¯´ýÀé™þÕŸý¥Öþœ ¹§ÓýÕšý”Ÿý¥ §Ó´ýÕšý¯´ýœÚÝþÕý. †Â—.„šþ ô§Ó´ýÇþ ƒÕ·ýœ®ŸýÙþÙþؤ¥, ‹ýØ·ý ‰À—šþؤ¥,Õ·ýœÝþ §Ó´ý¸ÚÕìšý Ø—Ùþ§Ó´ýÕšý§¬ýœÇþؤ¥ ¯´ýÕìšýÕýÈ·þ¯´ýÈ·þœâ.

Cash Flow: (Ø—ó«Ó¾ý ˆ¨ö¼) Õ—×ÓþÀ˜þ: ƒÂ—Õýœ´œÚ©¬ýï „ÈŸþ¥â ƒ©Óí¶ý ®´ýœÕýÉþ ‹ýØ·ý ©¬ýÕë›ýÆ·þ Ø—Ùþ ¯´ýó¯´ý¨šþÙÌ¥ ¯´ýÈŸþ¥â Õ—×ÓþÀ˜þ. ƒÂ—Õýœ´œÚ©¬ýï „ÈŸþ¥â ƒ©Óí¶ý (Æ·þ®´ýÏÓµ ÈŸþÙ¬öþÕý§Ó´ý¸, ©¬ýÕ·ýø±´ýýÝþ, §¬ý©¬ýÕýÅœœÚ”—Ùþœ ¯ŸýœœÂ·þÙþ”·ýœ®´ý§¬ý) ¹§Ó¢ý®´ý ‚ÕýÅœ¥œó ¯´ýóÕýœ´œÚÙþØ·ýœ ©Ó´ýÕšý§Ó´ýÀŸþ¥ÖþÕýÆ·þ ˆýØ·ýœÞ¯´ý”— Õ—×ÓþÀ˜þ ¯´ý¸ÕýÀ—Ù¬þ.

Certificate of Eligibility:(©Ó´ýÕçšý§Ó¨¶ýØŸý¥ÖÎþ ƒ§Ó¨¾ý ˆýÙ¬þÒþ׬þÙ¬þÖþ¶¥) ‚Õÿ·ýÆ·þØ·ýœ ÕýÅœœÚ”·ýóÆ— §Ó´ýôÆ·þÕý: ‚Õÿ·ýÆ·þÙþœ Ø·ýÙþ ÉþÕ·ýØ—Ùþ ‚®´ýœ×Ó¨Ãþ¯´ýÑæþÔÙþØ·ýœ „ÈŸþ¥â §Ó´ýôÆ·þÕý. „šþ „ÛÃþ³÷, ¯—óˆ—Õ—Ùþœ, ©Ó´ýÕýÈ—Õ·ý ”·ýü²ýýÙþ ؤշýØ·ýœ §¬ýˆý ”—óÕ·ýÕýÖþ¶¥, Õ·ýœÝµÙþ ÕýÅœœÚ”·ýóÆ·þ®´ýœ Ø·ýÙ¬þð©Óì´ýœÕýšþ. §¬ý‰ ˆ¨—Õ·ýÕý 1880 (‚Õÿ·ýÆ·þ ÕýÅœœÚ”·ýóÆ—§Ó´ýôÆ·þÕý ؤշýØ·ýœ ‚×Ó¨ÃþóÕîê·ý®´ý)Ƥ¥ ©ªí—©¬ýØ·ý ¯ŸýÖþÕ·ý®¦ýû ‚¹§Ó¨¢ýÕ¦ýû ƒ§Ó¨¶¥ý©Ó´ýœØ·ýœ À˜þÀ˜þ-214 ˆ¨—Õ·ýÕý (¹©Óý§Ó´ýÕŸý¥«Ó´ý®¦ý º§Óý§Ó´ýÕ·ýœ)®´ýœ §Ó´ýÕý§Ó´ýÖþÕý —øÕ— ˆýÙ¬þÒþ׬þÙ¬þÖþ¶¥ ©Ó´ýÕçšý§Ó¨¶ýØŸýÖÎþ®´ýœ ˆ»Õý·þ¯´ýÈ·þœâ.

Certificate of Reasonable Value (CRV): (©Ó´ýÕçšý§Ó¨¶ýØŸý¥ÖÎþ ƒ§Ó¨¾ý Õ›ýÑþ®´ý×ÓþœÙÎþ ¯—ÙþœÚó (©Ó¶ý.ƒÕ¦ý.§¬ý.) (©Ó´ý¯´ýœÕýÑþ©Ó´ý §¬ýÙþœ¯´ý ©Ó´ýÕçšý§Ó¨¶ýØŸýÖÎþ) : ¯ŸýÖþÕ·ý®¦ýû ‚¹§Ó¨¢ýÕ¦ýû —øÕ— ƒ©Óí¶ý ¯´ýÕì·ý¯´ýœÚ®´ý §¬ýÙþœ¯´ý®´ýœ È·þœÚº§Óý ¯´ýœœÚÙþó ©¬ýÕîê—Õ·ýÝþ.

Certificate of Veteran Status: (©Ó´ýÕçšý§Ó¨¶ýØŸý¥ÖÎþ ƒ§Ó¨¾ý ¯ŸýÖþÕ·ý®¦ý º©ÓçýÖþ©Ó¾ý) ¯ŸýÖþÕ·ý®¦ý ©ªí—Õýœœ ©Ó´ýÕçšý§Ó¨¶ýØŸýÖÎþ: ¯ŸýÖþÕ·ý®¦ýûØ·ýœ Ø—©¬¡ý ÕšýÑþÕšýø©Óç´ýœÙþØ·ýœ Ø—©¬¡ý „ÈŸþ¥â §Ó´ýôÆ·þÕý. ÕšýÑþÕšýø©Óç´ýœÙþœ “ý‘·ýݵ Ø—ÙþÕýƤ¥ ©Ó´ý²ýý 90 Õ¤¥ÑþÔÙþœ ©¬ýÕ·ýÕýÆ·þÕ·ýÕý”— ôؘýÕýœ´œÚ“¡ýÙþ º©Óý¯´ý ÈŸþ¥©Ó¶ý ¯´ý¸ÕýÀ—Ù¬þ. ›þ©¬ý©¬ý (ˆ¨—Õ—©¬ýï ¯ŸýÖþÕ·ý®¦ý ©ªí—Õýœœ ©Ó´ýÕçšý§Ó¨¶ýØŸýÖÎþ ‚×Ó¨ÃþóÕîê·ý®´ý; … §Ó´ýôÆ·þÕý ؤ©¬ýï ˆý§Ó¨¾ý¹±ýýȦþ‰-׬¡þ¯´ýœÚ ¯´ý¸®´ýï Õ·ýœÝµÙþ¹§Ó¢ý ¯ŸýÖþÕ·ý®¦ýû Æ·þØ·ýœÞ¯´ý ôˆ—Õ·ýÕý×Ó¨Ãþ ÈŸþÙ¬öþÕý§Ó´ý¸Ùþœ ÈŸþ¥Õýœ´œÖµ©¬ýؘý §¬¡ýÙþœ Ø·ýÙ¬þð©Óì´ýœÕýšþ) 26-8261aƤ¥ˆ—Öþœ 214Ùþ À˜þÀ˜þ©¬ý ©ªí—©¬ýØ·ý ¯ŸýÖþÕ·ý®¦ýû ‚¹§Ó¨¢ýÕ¦ýû ƒ§Ó¨¶¥ý©Ó´ýœØ·ýœ §Ó´ýÕý§Ó¶ýÕýÈ·þÖþÕý —øÕ— ˆ»Õý—٬þ.

Change Frequency: (ȨŸþ¥ÕýÑÎþ ô§Ó¨¶¥ýØŸýø©¬¡ýû) ô§Ó¨¶¥ýØŸýø©¬¡ýû ¯´ýœÚÕ·ýœð: ©Ó´ýÕî·ýœ×ÓµÖþœ ÕŸý¥Öþœ Æ·þ®´ýÏÓµ¹§Ó¢ý ¯´ýÀé™þÕŸý¥Öþœ ¯´ýœÚÕ·ýœðÙþœ/ÙÅþ¥Â— Ƥ¥ ©Ó´ý²ýý ÈŸþÙ¬öþÕý§Ó´ý¸ ô§Ó¨¶¥ýØŸýø©¬¡ýû (®ŸýÙþÙöÌ¥).

Closing: (Øö¤¥ÒþÕý”¦ý) ¯´ýœœ”šýÕý§Ó´ý¸: ‰Â¢Ÿþ®— „ÕýÖþ¶ ‚¯´ýœòØ·ýÕý ÏÓþÕ—Õ·ýÕýœœ®´ý ©Ó´ý¯´ýœÚ¯Ÿý¥’·ýÕý. ؤ®´ýœ”¤¥ÙþœÂ—Õ·ýœ Æ·þ®´ýÏÓµ §Ó´ýôÆ·þÕý¹§Ó¢ý ©Ó´ýÕýÆ·þØ·ýÕý ÈŸþ¥©Ó¶ý ¯´ýœœ”šýÕý§Ó´ý¸ ÏÓþÕ·ýœâÙþœ ÈŸþÙ¬öþÕýÉþ ±´ýýØ·ýœÞ®´ýœ ˆ»Õý·þœÆ—À·þœ. ‚¯´ýœòØ·ýÕý—շýœ ¯´ýœœ”šýÕý§Ó´ý¸ ¯´ýóÕýœ´œÚ©¬ýï ×Ó¨ÃþÕšýÕýÉþ „ÕýÖþ¶ ‚¯´ýœòØ·ýÕý —øÕ— ¯´ýÉþâ®´ý ©¬ýØ·ýÕ·ý §¬ýôØ·ýÕýœ´œ §Ó¨´ýÙµ©¬ýï ˆ»Õý·þœÆ—À·þœ.

Closing Costs: (Øö¤¥ÒþÕý”¦ý Ø—©Ó¾çýû) ¯´ýœœ”šýÕý§Ó´ý¸ ÏÓþÕ·ýœâÙþœ: „ÕýÖþ¶©¬ý ‚§¬ýœò®´ý§Ó´ý¸À·þœ ؤ®´ýœ”¤¥ÙþœÂ—Õ·ýœÀ·þœ, ‚¯´ýœòØ·ýÕý—շýœ „ÕýÖþ¶ ¨·þÕ·ýƤ¥ ˆ—Öþœ”— ×Ó¨ÃþÕšýÕýÈŸþ¥ ¯´ýóÕýœ´œÚÙþØ·ýœ, ˆý©ª¼Þõ, §Ó¨¶¥ýÑþÔ, §Ó´ýÖçµ ×¬¡þ¯´ýœÚ §Ó¨¶¥ýÑþÔ, §Ó´ýôÆ—Ùþ ®´ý¯ŸýœÚ·þœ §Ó¨¶¥ýÑþÔ, ÕšýÕýœ´œÙÎþ ˆýº©ÓçýÖþœ Ø·ý§¬¡ýœ«Ó´ý®ö´ýœ Ø·ýœÚÀ— †¯´ýœòÀ˜þ ¯´ýœœ”šýÕý§Ó´ý¸ ÏÓþÕ·ýœâÙöÌ¥ †ÕýÖµÕýœœ.

COFI: (©Ó¶ý‹ýˆý§Ó¨¾ýŠ): ©¬ý¨·þœÙþ ¯´ýœœÚÙþó ©Ó´ýœÚÉþØ·ý ƒÂ¨—Õ·ýÕý”— ¯´ýœÚÕŸý¥ ÕŸý¥Öþœ †ÕýÖÅþ¥ ©Ó´ýÕî·ýœ×ÓµÖþœ ÕŸý¥Öþœ †ÕýÀŸþ¥ Æ—Ø·ýÖçþœ. Æ·þÕ·ýÈ·þœ”— 11¯´ý À˜þ©Óç¶ýõØç·ýœ Ø—©Ó¾çý ƒ§Ó¨¾ý §Ó¨´ýÕýÀ¦þû.

Construction Loan:(Ø·ý®¦ý©Óç´ýõ‘·ý®¦ý ÙÌ¥®¦ý) ©¬ýÕ—òÝþ Õ·ýœÝþÕý: „ÛÃþ³÷, ×Ó¨Ãþ¯´ýÕýÆ·þœÙþ ©¬ýÕ—òÝþÕý ؤշýØ·ýœ ÈŸþ¥º©Óý ÈŸþÙ¬öþÕý§Ó´ý¸Ùþ ؤ¥©Ó´ýÕý „ÈŸþ¥â ©Ó´ýøÙþðؗ٬þØ·ý ¯´ýœÂ¨·þóØ—Ùþ Õ·ýœÝþÕý. ׬þÙéþÕ·ýœ ©ª—¨šþÕýÈŸþ¥, ©¬ýÕ—òÝþ ô§Ó´ý”·ýÇþ ôˆ—Çþ§Ó´ýšþØ·ý®´ý ©¬ýÕë›ýÆ·þ ©Ó´ý¯´ýœÕýœ´œÚÙöÌ¥ ‚Æ·þÀ˜þؘý/ƒ¯ŸýœØ·ýœ ÈŸþÙ¬öþÕý§Ó´ý¸Ùþœ ÈŸþ¥Õýœ´œÖµ©¬ýؘý ›þ©¬ý©¬ý ©Ó´ý±´ýýÑþÕý”— Õ·ýœÚˆ»ÕýšþÕýÈ—Õ·ýœ.

Consumer Reporting Agency (or Bureau): (Ø·ý®´ýœÚû¯´ýœÕ·ýœ Õšýˆ¼ÕçšýÕý”·ýœ ‰ÑÅþ©¬¡ýû ÙÅþ¥Â— ×ÓþœÚóÕ¤¥): Õ·ýœÝþ—ƷþÙþœ §¬ý©¬ýÕýÅœœÚ”šýÕýÈŸþ¥ ©¬ý¯Ÿý¥ÂšþØ·ýÙþœ Æ·þÕýœ´œÚÕ·ýœÈŸþ¥º©Óý ¯´ýó¯´ý²ýýÕ—Ùþ®´ýœ È·þœÚº©Óý ©Ó´ýÕý©Óí´ý. ©Ó´ýÕý×Ó¨µ¯´ýó Õ·ýœÝþ ô”·ý±¶¥ýýÆ·þÙþ Õ·ýœÝþ È·þÕšýôÆ·þ®´ýœ §Ó´ýÕšý“¡ýÙ¬þÕýÈ·þÖþÕý ›þ©¬ý Ùþ‘·ýóÕý. Õ·ýœÝþ ©Ó´ý¯´ýœÚÈ—Õ·ý ؤ¥’—”—Õ·ýÕý, „Æ·þÕ·ý ¯´ýœœÚÙµÙþ ®´ýœÕýÉþ … ‰ÑÅþ©¬¡ýûؘý ”·ýݵÕýØ—Ùþœ / §¬ý¯´ýÕ—Ùþœ Ùþ׬¨þ©ªì—Õýœœ.

Contingency: (Ø·ýÕýÖþ¶®äŸý©¬ýû) ‹ý§Ó´ýðÕý·þÕý ©Ó´ýÕý×ÓþÕý¨šþÆ·þ §Ó´ý‘—ÙþØ·ýœ ¯´ýÕìšýÕýÈŸþ¥¯´ýœœÕý·þœ Æ·þ§Ó´ýðØ·ý ®ŸýÕ·ý¯Ÿý¥Õ—âÙ¬þû®´ý «Ó´ýÕ·ýÆ·þœ.

Contract Sale or Deed: (Ø—Õýôֵئçý º©ÓýÙÎþ ÙÅþ¥Â— À™þÀ¦þ) : ؤ©¬ýï «Ó´ýÕ·ýÆ·þœÙþ®´ýœ ˆ—Öþ¶ÕýÉþ®´ý Æ·þÕ·ýœ¯—Æ·þ §Ó´ýÖçµ®´ýœ ©Ó´ýœÚÉþÕýÈ·þÖµ©¬ýؘý ©Óí¶ýÕ—©Óí¶ý ؤ®´ýœ”¤¥Ùþœ / ‚¯´ýœòØ·ýÕý—Õö·ý ¯´ýœÂ¨·þó Ø·ýœÂšþÕšý®´ý ‹ý§Ó´ýðÕý·þÕý. „šþ Œ Õ·ýØ·ý§Ó´ý¸ „®¦ý©ªç—ÙÎþ¯ŸýœÕýÖÎþ º©ÓýÙÎþ.

Conventional Mortgage: (Ø·ý®¦ý¯Ÿý®ú´ý®´ýÙÎþ ¯ŸýœÚÕ¦çý”Ÿý¥ÑÎþ) ©ª—Õýô§Ó´ý—Õýœ´œØ·ý Æ·þ®´ýÏÓµ: ©Ó´ý¯´ýœÚÏÓþó ÙÅþ¥Â— Õ—«Óç´ýõ ô§Ó´ý×Ó¨ÃþœÆ·þøÕý ”—óÕ·ýÕýÖþ¶¥ „¯´ýø©¬ý/ ׬¡þ¯´ýœÚ ÈŸþ¥Õýœ´œ©¬ý Õ·ýœÝþÕý.

Conversion Clause: (Ø·ý®´ýøÕú·ý®¦ý Øö—ÑÎþ) §Ó´ýÕšý¯´ýÕì·ý®´ý «Ó´ýÕ·ýÆ·þœ: ©Ó´ýÕî·ýœ×ÓµÖþœ ÕŸý¥Öþœ †ÕýÀŸþ¥ Æ·þ®´ýÏÓµÙÌ¥©¬ý ‹ýØ·ý ©¬ý×ÓþÕý¨·þ®´ý.›þ©¬ý ¯´ýÙþ®´ý Ø—Ùþ ‚¯´ý¨šþÙÌ¥ ˆý§Ó´ýðœÀ¢Ÿþ®— Õ·ýœÝþÕý ©Óí¶ýÕ·ýÕŸý¥Öþœ †ÕýÀŸþ¥ Æ·þ®´ýÏÓµÙؘ̥ý ¯´ýœÚÕ·ýœâØ·ýœ®Ÿý¥§¬¡ýÙþœ Ø·ýÙþœ”·ýœÆ·þœÕýšþ. ©ª—¨—Õ·ýÝþÕý”— Ƥ٬þ ©Ó´ýÕî·ýœ×ÓµÖþœ Ø—ÙþÕý Æ·þÕ·ýœ¯—Æ·þ §Ó´ý¸ÚÕì·ýÕýœœ®´ý §Ó´ýÕšý¯´ýÕì·ý®´ý®´ýœ ‚®´ýœ¯´ýœÇþ©ªì—Õ·ýœ. §Ó´ýÕšý¯´ýÕì·ý®´ý ‚Õý’·ýÕý ؤշýØ·ýœ ‚·þ®´ýÕý”— ¯´ýóÕýœ´œÕý Ø—¯´ýÈ·þœâ.

Counteroffer: (Ø°ÕýÖþÕ¦ý ƒ§Ó¨´ýÕ¦ý) ˆý·þœÕ·ýœ ô§Ó´ýÇþˆ—·þ®´ý: ‚©Ó´ýÙþœ ô§Ó´ýÇþˆ—·þ®´ýØ·ýœ ×Óþ·þœÙþœ”— ÈŸþ¥º©Óý ô§Ó´ýÇþˆ—·þ®´ý.

Credit Report: (ôØŸýÀ˜þÖÎþ Õšýˆ¼Õ¦çý) Õ·ýœÝþ ©¬ý¯Ÿý¥ÂšþØ·ý: … ©¬ý¯Ÿý¥ÂšþØ·ý Õ·ýœÝþ ô”·ý±¶¥ýýÆ·þÙþ Õ·ýœÝþ È·þÕšýôÆ·þ, Õ·ýœÝµ©¬ýï Ç¡þÕ·ýâ”·ýÙ¬þ”Ÿý¥ ¯´ýÕì·ý¯´ýœÚ®´ý ©ªí—ÕýœœÙþ®´ýœ §¬ý¯´ýÕšý©Óì´ýœÕýšþ.

Credit Risk Score: (ôØŸýÀ˜þÖÎþ Õšý©Ó´ýœÞ ©ª¼ÞÕ·ýœ) : §¬ý©¬ýÕýÅœœÚ”·ý—շýœÙþ Õ·ýœÝþ ©¬ý¯Ÿý¥ÂšþØ·ýÙÌ¥ „Éþâ®´ý ©Ó´ý¯´ýœÚÈ—Õ·ý ”·ýݵÕýØ·ý ©Ó´ýÕýô”·ý±´ýý¯Ÿý¥œ ôØŸýÀ˜þÖÎþ Õšý©Ó´ýœÞ ©ª¼ÞÕ·ýœ. ôØŸýÀ˜þÖÎþ Õšý©Ó¾ýÞ ©ª¼ÞÕ·ýœØ·ýœ ÈŸþÕýšþ®´ý ‚Æ·þóÕýÆ·þ ô§Ó´ý©Ó¶ýÂîê·þ Æ·þÕ·ý²ýý ¹§Ó¨ýÕýœœÕ¦ý, „©ª—ûئý ÙÅþ¥Â— ˆý§Ó¨¾ýŠ©Ó¶ýŒ ©ª¼ÞÕ·ýœ. „šþ Õ·ýœÝþ ©¬ý¯Ÿý¥ÂšþØ·ýÙÌ¥©¬ý ©Ó´ý¯´ýœÚÈ—Õ—©¬ýؘý ÈŸþÕýšþ®´ý §¬ý§¬ý¨·þ ‚Õý’—ÙþØ·ýœ ©Ó´ýÕýÏÓµó §¬ýÙþœ¯´ýÙþ®´ýœ „©Óì´ýœÕýšþ. Æ·þ®´ýÏÓµ Õ·ýœÝþÕý ؤշýØ·ýœ ÈŸþ¥º©Óý ¯´ýœœÚÙþó©¬ýÕîê—Õ·ýÝþ §¬ý¨—®´ýÕýÙÌ¥ ©Óí´ýœÚÙþ ôØŸýÀ˜þÖÎþ Õšý©Ó´ýœÞ ©ª¼ÞÕ·ýœ ‚¨šþØ·ý ©ª—º§Óý‘·ýÕý”— †ÕýÖþœÕýšþ.

D   


Default: (À˜þˆ¨—ÙÎçþ) ˆý”·ý¯Ÿý¥Æ·þ (©¬ý«Ó¶ýÞõÕýœ´œÆ·þ): ‹ý§Ó´ýðÕý·þÕýÙÌ¥©¬ý È·þÖçþ ©¬ý×ÓþÕý¨·þ®´ýÙþ®´ýœ ˆ—Öþ¶ÕýÈ·þÖþÕýÙÌ¥ ¯¢Ÿý§Ó¨´ýÙþóÕý. §¬ý’Ÿý¥«Ó´ýÕý”—, Æ·þ®´ýÏÓµÙÌ¥ ®ŸýÙþ¯—Õ›ý ÈŸþÙ¬öþÕý§Ó´ý¸Ùþ®´ýœ ÈŸþ¥Õýœ´œÖþÕýÙÌ¥ §¬ý§Ó¨´ýÙþÆ·þ.

Deferred Interest:(À˜þ§Ó¨´ýÕ¦ýÀ¦þ „ÕýÖþÕŸý©Ó¾çý) ¯—ÕýœœÂ— §Ó´ýÀ˜þ®´ý ¯´ýÀé™þ: ®¤¥Öþœ ÕŸý¥Öþœ®´ýœ ©Ó´ýÕýÆ·þü§Óì¶ý§Ó´ýÕ·ýÈŸþ¥Â—©¬ý Ø·ýÕýÖÅþ¥ Æ·þØ·ýœÞ¯´ý ®ŸýÙþ¯—Õ›ý ÈŸþÙ¬öþÕý§Ó´ý¸Æ¤¥ Æ·þ®´ýÏÓµ®´ýœ ô¯—º©Óìý Õ·ýœÝþ ’Ÿý¥«ª—©¬ýؘý ÈŸþÙ¬öþÕýÈ—Ù¬þû®´ý ¯´ýÀé™þ©¬ý Ø·ýÙþ§Ó´ýÖþÕý —øÕ— ¯—ÕýœœÂ— ¯Ÿý¥©ªì—Õ·ýœ.

Delinquency: (À˜þÙ¬þÕýØŸýø©¬¡ýû) ‚§Ó´ý՗¨·þÕý: ÈŸþÙ¬öþÕý§Ó´ý¸Ùþ®´ýœ ©Ó´ý¯´ýœÕýœ´œÚ©¬ýؘý ÈŸþ¥Õýœ´œÖþÕýÙÌ¥ ¯¢Ÿý§Ó¨´ýÙþóÕý. „šþ ©¬ýÕë›ýÆ·þ ¯´ýó¯´ý¨šþؘý ¯´ýœœÕýŸþ¥ ‹ý§Ó´ýðÕý·þÕý Õ·ýÂî·þœØ·ýœ —՚ýÇ¡þÕýœ´œ¯´ýÈ·þœâ.

Department of Veterans Affairs (VA): (À˜þˆ—Õ¦çý¯ŸýœÕýÖÎþ ƒ§Ó¨¾ý ¯ŸýÖþÕ·ý®¦ýû ‚¹§Ó¨¢ýÕ¦ýû) : ‚Õÿ·ýÆ·þ Ø·ýÙþ ÉþÕ·ýØ—Ùþ ‚®´ýœ×Ó¨Ãþ¯´ýÑæþÔÙþØ·ýœ ›þÕá·ýØ—Ùþ ‚ÙþðØ—Ùþ ÙÅþ¥Â— ®´ý”·ý·þœ ÈŸþÙ¬öþÕý§Ó´ý¸ ‚©Ó´ýÙþœ ÙÅþ¥©¬ý Æ·þ®´ýÏÓµÙþØ·ýœ ”—óÕ·ýÕýÖþ¶¥ „ÈŸþ¥â ¹§Ó¨ýÀ·þÕ·ýÙÎþ ô§Ó´ý×Ó¨ÃþœÆ·þø ©Ó´ýøÆ·þÕýôÆ·þ ‰ÑÅþ©¬¡ýû.

Debt-To-Income (DTI) Ratio: : (ÀŸþÖÎþ-Öþœ-„®¦ýØ·ýÕý (À˜þÖþ¶Š) ÕŸý¥«Ó¶ýÕýÅœœÚ) (Õ·ýœÝþ ƒÂ—Õýœ´œ ©¬ý«Ó´ýðÇìþ : ®ŸýÙþ©Ó´ýÕšý ©Óí´ýœÚÙþ ƒÂ—Õýœ´œÕýÙÌ¥ ®ŸýÙþ¯—Õ›ý ÈŸþÙ¬öþÕý§Ó´ý¸Ùþ ©¬ý«Ó´ýðÇìþ. Õ·ýœÝþ—ƷþÙþœ ”·ýü±´ýý ©Ó´ýÕý×ÓþÕý¨·þ À˜þÖþ¶Š ©¬ý«Ó´ýðÇìþ©¬ý ¯—À·þÆ—Õ·ýœ. Æ·þ®´ýÏӵطýœ Õ·ýœÝþô”—±¶ýý ƒÂ—Õýœ´œ ÕýÅœœÚ”·ýóÆ·þ®´ýœ ©¬ýÕë·ýÕýœœÕýÈ·þÖµ©¬ýؘý … ©¬ý«Ó´ýðÇìþ©¬ý „Ùµ ÙÅþؘýÞ©ªì—Õ·ýœ. „ÕýÖþ¶ ÈŸþÙ¬öþÕý§Ó´ý¸®´ýœ ®ŸýÙþ©Ó´ýÕšý ƒÂ—Õýœ´œÕýƤ¥ ×Ó¨µ”šýº©Óìý À˜þÖþ¶Š ©¬ý«Ó´ýðÇìþ ¯´ý©Óì´ýœÕýšþ. ®ŸýÙþ©Ó´ýÕšý ƒÂ—Õýœ´œÕýƤ¥ ×Ó¨µ”šýÕýÉþ®´ý „ÕýÖþ¶ ÈŸþÙ¬öþÕý§Ó´ý¸Æ¤¥ ˆ—Öþœ ¯ŸýœœÆì·þÕý Õ·ýœÝþ ÈŸþÙ¬öþÕý§Ó´ý¸Ùþœ ©Ó´ýÕý§Ó´ý¸ÚÕë·ý À˜þÖþ¶Š ©¬ý«Ó´ýðÇìþ ‚¯´ý¸Æ·þœÕýšþ.

Deed:(À™þÀ¦þ) : ƒ©Óí¶ý Õýœ´œÚÑþ¯´ýœÚ®—ó©¬ýï ¯ŸýÙöþÀ˜þÕýÈŸþ¥ È·þÖçþ§Ó´ýÕ·ý¯¢Ÿýœ®´ý §Ó´ýôÆ·þÕý.

Downpayment: (À°®¦ý º§Óý¯ŸýœÕýÖÎþ) : „ÕýÖþ¶ ؤ®´ýœ”¤¥Ùþœ ¯ŸýÙþÙÌ¥ ؤ®´ýœ”¤¥ÙþœÂ—Õ·ýœ ®´ý”·ý·þœ Õ·ýœÚ§Ó´ýÕýÙÌ¥ ÈŸþÙ¬öþÕýÈŸþ¥ ×Ó¨µ”·ýÕý.

Due-on-Sale-Clause: (À·þœÚó-ƒ®¦ý-º©ÓýÙÎþ-Øö—ÑÎþ) : „šþ Æ·þ®´ýÏÓµ ÙÅþ¥Â— ѵ§¬¡ýœ®´ýœ §Ó´ýôÆ·þÕýÙÌ¥©¬ý ‹ýØ·ý ©¬ý×ÓþÕý¨·þ®´ý. Æ·þ®´ýÏÓµ Õ·ýœÝþô”·ý©Óì´ýœÀ·þœ „ÕýÖþ¶©¬ý ‚§¬ýœòÆŸþ¥ Õ·ýœÝþ—Ʒþ Æ·þ®´ýÏÓµ ’Ÿý¥«ª—©¬ýï Æ·þ‘·ýÝþÕý ÈŸþÙ¬öþÕýÈ·þ¯´ýœ©¬ý À˜þ¯´ýœÚÕýÀ·þœ ÈŸþ¥Õýœ´œÖµ©¬ýؘý „šþ §¬¡ýÙþœ Ø·ýÙ¬þð©Óì´ýœÕýšþ.


E    

Earnest Money: (ˆýÕŸýï©Ó¾çý ¯´ýœ©¬¡ý) (×ÓþÕýœ´œÚ®— À·þ×Óþœñ) : ؤ®´ýœ”¤¥ÙþœÂ—Õ·ýœ©¬ýؘý ؤ®´ýœ”¤¥ÙþœÙÌ¥ ƒ©Ó´ýØì˜ý †Õý·þ©¬ý È·þœÚ§Ó´ýÖµ©¬ýؘý ‚¯´ýœòØ·ýÕý—շýœ©¬ýؘý ¯´ýœœÕý·þœ”— ؤÕýÆ·þ ©ª»¯´ýœœò (À˜þˆ—ÒþÖçþœ) „©ªì—À&midd