| Terms |
Meaning |
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Acceptance
接納，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.
買方及賣方均同意並接受所約束的條款及條件。而接受要約便已構成一項協議。
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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'.
第二項建築物建立於某建築物上，而並不被認為是主要的建築，如儲物棚或停車間。通常描述為'配件物業'或'配件股'。
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Act of God
天災
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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'.
天災、神力行為 (Act of God) 在合約和民事法中違約或侵權一方，可以用天災、神力行為如地震，突然及沒可預料死亡等理由提出抗辯。
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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).
法院任命一個管理遺產的人而該已死的人沒有訂立遺囑（無遺囑）。
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Amenity
福利設施，康樂設施，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.
該物業增強了功能或吸引力的配備並提昇用戶的滿足感，例如美景，鄰近公共交通或康樂設施。
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Amortise
攤還，分期攤還
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To repay a mortgage with regular payments that cover both principal and interest.
償還按揭貸款定期付款金額，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.
實際借款成本，以年利率的方式表達。 這可能是高於您所知道的利率，因為它完全計算了利息率，貸款發放費，貸款貼息點，和其他信貸成本支付給貸款人。
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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.
每年或定期支付的數額，往往是某一個已決定之金額。
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Appraisal
評價
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An estimate of opinion and value based upon a factual analysis of a property by a qualified professional.
由合資格的專業人士給予估計價值的意見和分析評估物業。
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Appreciation
土地增值，地值增長
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An increase in the value of a property due to changes in market conditions or supply and demand etc.
因市場情況變化或供應和需求的改變而增加物業的價值。
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Asking Price
叫價
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The listed price of the property. It may not be the selling price if the owner is willing to negotiate.
物業所列出之賣價。如果賣方願意進行談判，它可能並不是最後的出售價格。
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Assessed Value
評估稅值
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The valuation placed on a property for the purposes of taxation by an authority.
由指定機構估值物業的課稅值。
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Asset
財產
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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貨幣價值的東西，例如個人財產，不動產，銀行帳戶等
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Assignment
轉讓契據
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The transfer of a mortgage from one person to another.
轉讓契據是舊業主將物業的全部利益和業權轉讓給新業主的契約文件,是以契據形式進行 , 買賣雙方在成交時(交付樓價尾數及交樓) 必須簽妥的重要法律文件 。
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Auction
拍賣
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A public sale of a property or real estate that is sold to the highest bidder.
公開出售物業或房地產，出售給出價最高的人。
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Average Condition
平均條件
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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.
非海上財產政策規定，如果受保的財產價值在當時是低於翻新價值，那麼受保人的索償將相應減少。
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Balloon Payment
大額付款
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A large loan payment to clear a debt.
支付一筆巨額貸款以付清債務。
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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.
指定某人接收來自信託，房地產，或契約的收入。
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Betterment
法人團體
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Used to describe an improvement in the insured property under a contract of indemnity resulting from its refurbishment or repair
業主選出一個委員會負責處理大廈之行政和保養。
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Body Corporate
共同財產
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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.
地區建築物，土地或設施內的地層財產所有權是由所有業主共享，例如一個車道。
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Common Property
共同財產
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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.
地區建築物，土地或設施內的地層財產所有權是由所有業主共享，例如一個車道。
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Contingency
應急
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See Special Condition.
見特別條件。
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Contract of Sale
銷售合約
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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.
一項以書面列明出售或購買物業的條款及條件的協議，這是一項於拍賣後簽署的文件。
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Credit History
信貸紀錄
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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.
個人的財政及以往的債務償還記錄，通常是利用貸款人評估借款人的潛在風險
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Deed
契據
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A legal document conveying title to a property.
契據(deed)簽名後蓋上印章的書面合約。在合同法中，代價(consideration)的必須原素。但若該合約以契據形式簽署，便可通過這代價要求。例如，買賣貨品相方雖然在合約中沒有說明金錢作為貨品之代價，但若相方以契據形式立約，便為有效有約束力之合約。
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Default
失責，不履行責任
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Failure to make mortgage payments regularly or to comply with other requirements of the mortgage.
未有如期償還抵押貸款
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Deposit
按金，訂金
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A percentage of the purchase price given to bind the sale of real estate.
購買價格中的某一個百分比作為按金以綁定售賣房地產的約定。
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Depreciation
貶值
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A decline in the value of property due to changes in market conditions or other causes.
財產價值因市場情況變化或其他原因而降底了。
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Disposable Income
可使用之淨收入
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Money left over after all expenses have been met.
扣除所有費用後所剩下的金錢。
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Duplex
複式住宅單位
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An apartment / unit that is comprised of two levels.
公寓/單元，包括兩個樓層。
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Easement
地役權
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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 權 ”( Easement ) 地 役 權 是 兩 塊 由 不 同 業 主 所 擁 有 而 產 生 , 由 一 塊 地 賦 予 另 一 地 某 項 權 益 , 前 者 是 「僕 役 地」 , 後 者 是 「受 惠 地」 , 最 常 見 的 是 僕 役 地 向 受 惠 地 提 供 過 路 的 權 利 , 由 於 地 役 權 是 地 與 地 之 間 的 權 益 和 責 任 , 地 權 的 業 主 即 使 更 易 了 , 地 役 權 仍 會 存 在 , 直 至 兩 地 的 業 權 一 統 或 雙 方 業 主 同 意 取 消 為 止 。
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Exclusive Authority
專屬管轄權
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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.
書面合同賦予某地產代理商在一個指定的時段獲得物業的獨家銷售權。
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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.
在貸款期內不變的按揭利率。
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Freehold
永久業權
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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 業 權 ”( Freehold ) 除 中 環 聖 約 瑟 教 堂 所 在 地 外 , 所 有 土 地 契 約 都 不 會 是 永 久 業 權 , 該 些 土 地 都 會 有 一 定 的 年 期 , 到 期 政 府 有 權 收 回 , 對 業 主 不 須 作 任 何 安 置 或 補 償 。可繼承的莊園包括无条件继承的不動產绝對、合格的費和指定继承人的不動產。 Non-inheritable莊園包括由黨行動創造，例如普通的终身產權，或者由法律的操作的各種各樣的终身產權
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Gross Income
總收入 |
Income before taxes are deducted.
稅前收入。
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Home Inspection
房屋檢查
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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.
一個徹底的樓宇檢查，用於評估結構和力學條件。而通常都是買家所要求的條件。
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Interest
利息
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The fee charged for borrowing money.
貸款利息。
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Joint Tenancy
共有權益人，聯名業主
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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.
共有權益 人”( Joint Tenants ) 是聯名業權的其中一類 ， 俗稱「長命契」。共有權益是以「生還原則」( Principle Of Survivorship ) 來作準 , 誰人過世,的權益便歸其餘還在生的人， 直至死剩最後一人, 共有權益便會消失。 因此 , 「愈長命便愈著數」。共有權益可以書面形式進行分拆 ，有意分柝的一方,須作書面備忘錄 ( Memorandum ) , 並向其餘各方發出書面通知 , 最後將文件登記在土地註冊處。分拆 ( Severance ) 便會生效。
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Landlord
業主，地主，房東
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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.
物業的主權人。
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Lease
租約
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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.
一份業主及租客的租賃協議。
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Leasehold
租用業權
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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 業 權 ”( Leasehold ) 香 港 的 物 業 業 權 持 有 人 , 所 擁 有 的 是 租 用 業 權 , 即 是 一 段 長 租 約 期 , 最 長 的 例 子 是 999 年 期 , 由 於 土 地 的 使 用 , 只 要 為 期 一 代 , 即 五 十 年 之 久 , 已 是 充 足 , 社 會 人 士 因 此 無 須 考 慮 以 永 久 業 權 作 替 代 。
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Lessee
承租人
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A person leasing a property.
一個人租用的物業單位。
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Lessor
出租人
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The owner of a property that is leased to another person.
將自己擁有物業主權的單位出租給其他人。
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Liquid Asset
流動性資產
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An asset, cash or otherwise, that can be converted into cash.
現金或可轉換成現金的資產。
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Loan
貸款
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A sum of borrowed money (principal) that is generally repaid with interest.
借來的金額的總數（本金），償還時一般都付以利息。
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Loan Application Fee
貸款申請費
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Also called Establishment Fee. A fee paid to a lender for processing a loan.
申請貸款時要支付的行政費用。
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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 業 主 將 物 業 轉 讓 ( Assign ) 給 借 款 人 ( 俗 稱 銀 主 ) , 借 款 人 通 常 是 銀 行 或 財 務 公 司 , 但 因 為 按 揭 在 性 質 上 還 屬 借 款 的 實 物 保 証 物 , 因 此 只 要 業 主 還 清 欠 款 , 借 款 人 便 必 須 將 物 業 轉 讓 返 回 ( Reassign ) 給 業 主 。
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Mortgage Insurance
按揭保險
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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.
這一政策保證了貸款人對借款人拖欠貸款。 大多數貸款機構借貸時，一般需要保險超過 80％的財產價值。
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Mortgagee
承按人，承押人
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The lender in a mortgage agreement.
在按揭貸款協議中的貸款人
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Mortgagor
按揭人
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The borrower in a mortgage agreement.
在按揭貸款協議中的借款人
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Net Income
净收入
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Income after taxes are deducted.
扣除稅後的收入。
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Net Worth
净值
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The value of a person's assets minus liabilities.
減去負債後的資產淨值。
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Notice of Default
公告違約
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A formal written notice to a borrower that a default has occurred and that legal action may be taken.
向借款人發出正式的書面通知，並保留權利可採取法律行動。
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Off the Plan
關閉該計劃
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To purchase a property before it is completed after having only seen the plans.
購買看到計劃而未完成建設的物業。
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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
最優惠利率 |
The interest rate that banks charge their preferred customers. Changes in this rate can influence other rates including mortgage interest rates.
銀行的借貸利率。
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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
業權之查詢
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A process where the buyer requests additional information about the title of the property from the vendor.
買方要求查閱有關的財產的資料。
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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
細分
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A tract of land divided into individual lots for a housing development.
成片的土地劃分為個別地段的房屋發展。
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Tenants in Common
共享權益
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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 權 益 ”( Tenants-in-common ) 是 聯 名 業 主 的 一 種 , 聯 名 的 利 益 是 以 份 數 分 明 , 例 如 是 甲 乙 各 佔 一 半 , 甲 佔 三 分 之 一 , 其 餘 三 分 之 二 由 乙 擁 有 , 分 配 按 聯 名 人 士 間 的 協 議 而 確 訂 。 這 等 權 益 因 為 份 數 分 明 關 係 , 所 以 可 以 在 無 須 經 另 一 方 的 同 意 下 將 屬 於 自 己 的 分 數 自 由 轉 售 和 送 贈 他 人 , 及 由 後 人 來 承 繼 。
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Townhouse
獨立洋房
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A dwelling unit, generally having two or more floors and attached to other similar units via party walls.
一個住宅單位，一般有兩層或兩層以上。
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Transfer of ownership
業權轉讓
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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，其中擁有物業易手。 貸款人考慮所有有下列情形是所有權的轉移：在購買物業“主題為”按揭，抵押貸款，前提是買方的財產債務，任何交換佔有的財產根據土地銷售合同或任何其他土地信託設備。
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Unsecured Loan
無抵押貸款
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A loan that is not backed up by collateral.
沒有抵押品的貸款。
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Utilities
公用設施
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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.
私人或公共服務設施，如煤氣，電力，電話，水，下水道均是發展土地所提供的一部分。
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Valuation
估價
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A written analysis of the estimated value of a property prepared by a qualified valuer.
由合資格的估價師以書面分析物業的估計值。
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Vendor
供應商
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The seller.
賣方。
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Villa
別墅
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A single storey attached dwelling, typically quite large.
單楝多層住宅，通常面積都是相當大。
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Zoning
分區
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Local authority guidelines for the permitted use of land.
以地方當局的準則劃分准許使用之土地。
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