| Terms |
Meaning |
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Acceptance
接纳，接受
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Consent by the person receiving the offer to be bound by the terms and conditions of the person making the offer. Acceptance of an offer constitutes an agreement.
买方及卖方均同意并接受所约束的条款及条件。而接受要约便已构成一项协议。
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Accessory
附件
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A second building on a lot and one that is not considered to be the primary building, e.g. a storage shed or a parking space. Usually described as 'Accessory Building' or 'Accessory Unit'.
第二项建築物建立於某建築物上，而并不被认为是主要的建築，如储物棚或停车间。通常描述为'配件物业'或'配件股'。
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Act of God
天灾
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Any act of nature such as rain, lightning, floods or earthquakes. Many insurance policies do not cover losses resulting from an 'Act of God'.
天灾、神力行为 (Act of God) 在合约和民事法中违约或侵权一方，可以用天灾、神力行为如地震，突然及没可预料死亡等理由提出抗辩。
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Administrator
管理人
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A person appointed by a probate court to administer the estate of a person who died intestate (without a will).
法院任命一个管理遗产的人而该已死的人没有订立遗嘱（无遗嘱）。
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Amenity
福利设施，康乐设施，市容建築
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A feature of real property that enhances its attractiveness and increases the occupant's or user's satisfaction although the feature is not essential to the property's use, e.g. scenic views, proximity to public transport or recreational facilities.
该物业增强了功能或吸引力的配备并提昇用户的满足感，例如美景，邻近公共交通或康乐设施。
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Amortise
摊还，分期摊还
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To repay a mortgage with regular payments that cover both principal and interest.
偿还按揭贷款定期付款金额，既包括本金和利息。
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Annual Percentage Rate (APR)
年利率
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The actual cost of borrowing money, expressed in the form of an annual interest rate. It may be higher than the note rate because it represents full disclosure of the interest rate, loan origination fees, loan discount points, and other credit costs paid to the lender.
实际借款成本，以年利率的方式表达。 这可能是高於您所知道的利率，因为它完全计算了利息率，贷款发放费，贷款贴息点，和其他信贷成本支付给贷款人。
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Annuity
年金
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An amount paid yearly or at regular intervals, often on a guaranteed dollar basis.
每年或定期支付的数额，往往是某一个已决定之金额。
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Appraisal
评价
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An estimate of opinion and value based upon a factual analysis of a property by a qualified professional.
由合资格的专业人士给予估计价值的意见和分析评估物业。
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Appreciation
土地增值，地值增长
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An increase in the value of a property due to changes in market conditions or supply and demand etc.
因市场情况变化或供应和需求的改变而增加物业的价值。
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Asking Price
叫价
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The listed price of the property. It may not be the selling price if the owner is willing to negotiate.
物业所列出之卖价。如果卖方愿意进行谈判，它可能并不是最後的出售价格。
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Assessed Value
评估税值
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The valuation placed on a property for the purposes of taxation by an authority.
由指定机构估值物业的课税值。
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Asset
财产
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Anything of monetary value that is owned by a person eg. personal property, real property, bank accounts etc.
由某人持有的任何具有货币价值的东西，例如个人财产，不动产，银行帐户等
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Assignment
转让契据
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The transfer of a mortgage from one person to another.
转让契据是旧业主将物业的全部利益和业权转让给新业主的契约文件,是以契据形式进行 , 买卖双方在成交时(交付楼价尾数及交楼) 必须签妥的重要法律文件 。
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Auction
拍卖
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A public sale of a property or real estate that is sold to the highest bidder.
公开出售物业或房地产，出售给出价最高的人。
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Average Condition
平均条件
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A condition in a non-marine property policy whereby, if the property value insured at the time of the claim is less than the refurbishment value, then the insured person's claim will be reduced proportionately.
非海上财产政策规定，如果受保的财产价值在当时是低於翻新价值，那麽受保人的索偿将相应减少。
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Balloon Payment
大额付款
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A large loan payment to clear a debt.
支付一笔巨额贷款以付清债务。
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Beneficiary
受益人
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The person designated to receive the income from a trust, estate, or a deed of trust.
指定某人接收来自信託，房地产，或契约的收入。
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Betterment
法人团体
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Used to describe an improvement in the insured property under a contract of indemnity resulting from its refurbishment or repair
业主选出一个委员会负责处理大厦之行政和保养。
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Body Corporate
共同财产
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An administrative body made up of all the owners within a group of units or apartments of a strata building. The owners elect a committee which handles administration and upkeep of the site.
地区建築物，土地或设施内的地层财产所有权是由所有业主共享，例如一个车道。
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Common Property
共同财产
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Areas of a building, land or amenities within a strata title property that are shared by all owners, e.g. a driveway.
地区建築物，土地或设施内的地层财产所有权是由所有业主共享，例如一个车道。
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Contingency
应急
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See Special Condition.
见特别条件。
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Contract of Sale
销售合约
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An agreement in writing setting out the terms and conditions relating to the sale or purchase of a property. It is the purchase document signed at auction.
一项以书面列明出售或购买物业的条款及条件的协议，这是一项於拍卖後签署的文件。
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Credit History
信贷纪录
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A record of an individual's current and repaid debts which is usually used by a lender to assess the risk of a potential borrower.
个人的财政及以往的债务偿还记录，通常是利用贷款人评估借款人的潜在风险
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Deed
契据
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A legal document conveying title to a property.
契据(deed)签名後盖上印章的书面合约。在合同法中，代价(consideration)的必须原素。但若该合约以契据形式签署，便可通过这代价要求。例如，买卖货品相方虽然在合约中没有说明金钱作为货品之代价，但若相方以契据形式立约，便为有效有约束力之合约。
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Default
失责，不履行责任
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Failure to make mortgage payments regularly or to comply with other requirements of the mortgage.
未有如期偿还抵押贷款
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Deposit
按金，订金
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A percentage of the purchase price given to bind the sale of real estate.
购买价格中的某一个百分比作为按金以绑定售卖房地产的约定。
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Depreciation
贬值
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A decline in the value of property due to changes in market conditions or other causes.
财产价值因市场情况变化或其他原因而降底了。
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Disposable Income
可使用之净收入
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Money left over after all expenses have been met.
扣除所有费用後所剩下的金钱。
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Duplex
複式住宅单位
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An apartment / unit that is comprised of two levels.
公寓/单元，包括两个楼层。
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Easement
地役权
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A right that someone has to use the land belonging to another, e.g. a water authority may have a sewerage easement across part of your property.
地 役 权 ”( Easement ) 地 役 权 是 两 块 由 不 同 业 主 所 拥 有 而 产 生 , 由 一 块 地 赋 予 另 一 地 某 项 权 益 , 前 者 是 「僕 役 地」 , 後 者 是 「受 惠 地」 , 最 常 见 的 是 僕 役 地 向 受 惠 地 提 供 过 路 的 权 利 , 由 於 地 役 权 是 地 与 地 之 间 的 权 益 和 责 任 , 地 权 的 业 主 即 使 更 易 了 , 地 役 权 仍 会 存 在 , 直 至 两 地 的 业 权 一 统 或 双 方 业 主 同 意 取 消 为 止 。
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Exclusive Authority
专属管辖权
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A written contract that gives one real estate agent the exclusive right to sell a property in a specified time period.
书面合同赋予某地产代理商在一个指定的时段获得物业的独家销售权。
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| Fixed Rate Mortgage
定息按揭
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A mortgage in which the interest rate does not change during the term of the loan.
在贷款期内不变的按揭利率。
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Freehold
永久业权
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An estate in real property which continues for an indefinite period of time. Freehold estates may be inheritable or non-inheritable. Inheritable estates include the fee simple absolute, the qualified fee, and the fee tail. Non-inheritable estates include various life estates which are created by acts of parties, such as an ordinary life estate, or by operation of law
“ 永 久 业 权 ”( Freehold ) 除 中 环 圣 约 瑟 教 堂 所 在 地 外 , 所 有 土 地 契 约 都 不 会 是 永 久 业 权 , 该 些 土 地 都 会 有 一 定 的 年 期 , 到 期 政 府 有 权 收 回 , 对 业 主 不 须 作 任 何 安 置 或 补 偿 。可继承的莊园包括无条件继承的不动产绝对、合格的费和指定继承人的不动产。 Non-inheritable莊园包括由党行动创造，例如普通的终身产权，或者由法律的操作的各种各样的终身产权
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Gross Income
总收入 |
Income before taxes are deducted.
税前收入。
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Home Inspection
房屋检查
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A thorough inspection that evaluates the structural and mechanical condition of a property. A home inspection may be a special condition of a purchaser.
一个彻底的楼宇检查，用於评估结构和力学条件。而通常都是买家所要求的条件。
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Interest
利息
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The fee charged for borrowing money.
贷款利息。
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Joint Tenancy
共有权益人，联名业主
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A form of co-ownership that gives each tenant equal shares and rights in the property including the right of survivorship, e.g. ownership of a property passes to the surviving owners.
共有权益 人”( Joint Tenants ) 是联名业权的其中一类 ， 俗称「长命契」。共有权益是以「生还原则」( Principle Of Survivorship ) 来作準 , 谁人过世,的权益便归其馀还在生的人， 直至死剩最後一人, 共有权益便会消失。 因此 , 「愈长命便愈著数」。共有权益可以书面形式进行分拆 ，有意分柝的一方,须作书面备忘录 ( Memorandum ) , 并向其馀各方发出书面通知 , 最後将文件登记在土地註册处。分拆 ( Severance ) 便会生效。
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Landlord
业主，地主，房东
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A person who rents property to another; a lessor. A property owner who surrenders the right to use property for a specific time in exchange for the receipt of rent.
物业的主权人。
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Lease
租约
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A written agreement between a landlord and a tenant granting a period of tenancy of a property under specific terms and conditions.
一份业主及租客的租赁协议。
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Leasehold
租用业权
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The right to use and have exclusive possession (but not ownership) of real estate for a specified period and subject to the fulfilment of certain conditions as recorded in a lease agreement.
“ 租 用 业 权 ”( Leasehold ) 香 港 的 物 业 业 权 持 有 人 , 所 拥 有 的 是 租 用 业 权 , 即 是 一 段 长 租 约 期 , 最 长 的 例 子 是 999 年 期 , 由 於 土 地 的 使 用 , 只 要 为 期 一 代 , 即 五 十 年 之 久 , 已 是 充 足 , 社 会 人 士 因 此 无 须 考 虑 以 永 久 业 权 作 替 代 。
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Lessee
承租人
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A person leasing a property.
一个人租用的物业单位。
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Lessor
出租人
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The owner of a property that is leased to another person.
将自己拥有物业主权的单位出租给其他人。
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Liquid Asset
流动性资产
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An asset, cash or otherwise, that can be converted into cash.
现金或可转换成现金的资产。
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Loan
贷款
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A sum of borrowed money (principal) that is generally repaid with interest.
借来的金额的总数（本金），偿还时一般都付以利息。
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Loan Application Fee
贷款申请费
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Also called Establishment Fee. A fee paid to a lender for processing a loan.
申请贷款时要支付的行政费用。
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Mortgage
按揭
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A legal document that pledges a property to the lender as security for payment of a debt.
“ 按 揭 ”( Mortgage ) 是 业 主 将 物 业 转 让 ( Assign ) 给 借 款 人 ( 俗 称 银 主 ) , 借 款 人 通 常 是 银 行 或 财 务 公 司 , 但 因 为 按 揭 在 性 质 上 还 属 借 款 的 实 物 保 证 物 , 因 此 只 要 业 主 还 清 欠 款 , 借 款 人 便 必 须 将 物 业 转 让 返 回 ( Reassign ) 给 业 主 。
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Mortgage Insurance
按揭保险
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A policy that insures the lender against the borrower defaulting on a loan. Most lenders generally require insurance when borrowing more than 80% of the property value.
这一政策保證了贷款人对借款人拖欠贷款。 大多数贷款机构借贷时，一般需要保险超过 80％的财产价值。
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Mortgagee
承按人，承押人
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The lender in a mortgage agreement.
在按揭贷款协议中的贷款人
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Mortgagor
按揭人
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The borrower in a mortgage agreement.
在按揭贷款协议中的借款人
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Net Income
净收入
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Income after taxes are deducted.
扣除税後的收入。
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Net Worth
净值
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The value of a person's assets minus liabilities.
减去负债後的资产净值。
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Notice of Default
公告违约
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A formal written notice to a borrower that a default has occurred and that legal action may be taken.
向借款人发出正式的书面通知，并保留权利可采取法律行动。
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Off the Plan
关闭该计划
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To purchase a property before it is completed after having only seen the plans.
购买看到计划而未完成建设的物业。
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| Offer |
Conveyed intent by one party to form a contract, which may have conditions and stipulations, with another party. |
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Prime Rate
最优惠利率 |
The interest rate that banks charge their preferred customers. Changes in this rate can influence other rates including mortgage interest rates.
银行的借贷利率。
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| Qualified Acceptance |
An acceptance of an offer subject to a condition or conditions which must be met. This is essentially a counteroffer since new conditions are included. |
| Qualified Buyer |
A buyer who has satisfied a lender that he or she is financially able to qualify for a loan. Qualifying the buyer is one of the primary steps taken by the lender as part of the loan process. |
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Requisitions on Title
业权之查询
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A process where the buyer requests additional information about the title of the property from the vendor.
买方要求查阅有关的财产的资料。
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Square foot
平方尺
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1 square foot = 0.092 903 04 square meter
1平方尺= 0.092 90304平方米
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Square meter
平方米
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1 square meter = 10.763 910 417 square foot
1平方米= 10.763910 417平方尺
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Subdivision
细分
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A tract of land divided into individual lots for a housing development.
成片的土地划分为个别地段的房屋发展。
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Tenants in Common
共享权益
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A type of joint tenancy in a property where two or more purchasers own a property in unequal shares. If one dies, his or her shares pass to his or her beneficiaries under the terms of the will. Contrast with joint tenancy.
共 享 权 益 ”( Tenants-in-common ) 是 联 名 业 主 的 一 种 , 联 名 的 利 益 是 以 份 数 分 明 , 例 如 是 甲 乙 各 占 一 半 , 甲 占 叁 分 之 一 , 其 馀 叁 分 之 二 由 乙 拥 有 , 分 配 按 联 名 人 士 间 的 协 议 而 确 订 。 这 等 权 益 因 为 份 数 分 明 关 係 , 所 以 可 以 在 无 须 经 另 一 方 的 同 意 下 将 属 於 自 己 的 分 数 自 由 转 售 和 送 赠 他 人 , 及 由 後 人 来 承 继 。
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Townhouse
独立洋房
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A dwelling unit, generally having two or more floors and attached to other similar units via party walls.
一个住宅单位，一般有两层或两层以上。
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Transfer of ownership
业权转让
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Any means by which the ownership of a property changes hands. Lenders consider all of the following situations to be a transfer of ownership: the purchase of a property "subject to" the mortgage, the assumption of the mortgage debt by the property purchaser, and any exchange of possession of the property under a land sales contract or any other land trust device.
任何方法，其中拥有物业易手。 贷款人考虑所有有下列情形是所有权的转移：在购买物业“主题为”按揭，抵押贷款，前提是买方的财产债务，任何交换占有的财产根据土地销售合同或任何其他土地信託设备。
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Unsecured Loan
无抵押贷款
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A loan that is not backed up by collateral.
没有抵押品的贷款。
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Utilities
公用设施
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The private or public service facilities such as gas, electricity, telephone, water, and sewer that are provided as part of the development of the land.
私人或公共服务设施，如煤气，电力，电话，水，下水道均是发展土地所提供的一部分。
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Valuation
估价
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A written analysis of the estimated value of a property prepared by a qualified valuer.
由合资格的估价师以书面分析物业的估计值。
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Vendor
供应商
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The seller.
卖方。
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Villa
别墅
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A single storey attached dwelling, typically quite large.
单楝多层住宅，通常面积都是相当大。
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Zoning
分区
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Local authority guidelines for the permitted use of land.
以地方当局的準则划分准许使用之土地。
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