关于房子的英文单词(1)

篇一：与房子有关的英语 词汇 英语3500词汇语境记忆pets3考试词汇二年级反义词和近义词初中词汇词汇大全考研英语二高频词汇表 与房子有关的英语词汇Renting租房landlord房东rent房租HouseLeasingContract房屋合同deposit定金furnishedhouse/apartment有家具的房子/公寓unfurnishedhouse/apartment无家具的房子/公寓avacantroom/aspareroom空房singleroom单人间doubleroom双人间utilities水、电、煤气和垃圾处理等费用flatmate合住一套公寓的人；合租者lettingagency房屋中介agencyfee中介费homestay寄宿家庭，指和房东住在一起，由房东提供食宿）universityaccommodation学校宿舍（住在大学提供的宿舍里）privateaccommodation私人住房Room（房间）cozy温馨的livingroom/lounge起居室；客厅bedroom卧室mainbedroom主卧carpet地毯coffeetable（置于沙发前的）茶几armchair单人沙发sofa沙发remotecontrol遥控器radiator暖气片centralheating中央供暖fridge/freezer冰箱kettle电烧水壶stool厨房高脚椅oven烤箱dishwasher洗碗机tap水龙头sink洗碗池cupboard橱柜shower 淋浴/冲凉bath浴缸bathroom 卫生间mainbathroom主卫toilet马桶Buya（an）flat/apartment 买房realestate房地产mortgage按揭（指向银行借长期抵押贷款，用来买房子）downpayment 首付completedapartment/flat现房（指已建好供销售的房子）forwardhousingdelivery期房resoldapartment二手房affordablehousing经济适用房housingprice 房价semi-detachedhouse半独立式房子（一栋房子从中间隔开，成为两户人家，花园也用篱笆隔开）detachedhouse独立式房子（一家拥有）terracedhouses/rowhouses连栋房屋（互相连接的一排房屋；两幢之间只有一层墙壁相隔）fence篱笆frontdoor房子前门garage车库driveway车库通向马路的空地Flat/Apartment （公寓）blockofflats公寓楼groundfloor第一层firstfloor第二层lift/elevator 电梯stairs楼梯steps楼外的台阶balcony 阳台篇二：和房屋各个结构有关的 英语单词 七年级上册英语单词表高考英语单词3500记忆高中3500个英语单词表七年级下册英语单词表小学六年级英语单词表 和房屋各个结构有关的英语单词梁beam檐口eave窗台windowsillarch拱vault穹顶ogive葱形饰;尖形拱顶facade侧面frontispiece三角墙,山墙column柱pilaster壁柱,半露柱pediment山墙饰,山花fronton山墙groundplan平面图floor,storey层groundfloor第一层(美作:firstfloor)flat套(美作:apartment)stairwell楼梯间liftshaft电梯,升降梯(美作:elevatorshaft)fireescape防火梯staircase楼梯lift电梯(美作:elevator)goodslift公务电梯(美作:freightelevator)centralheating暖气ventilationshaft通风井airconditioning空调air-conditioned带空调的flooring(一块)地板floorboard地板(总称)parquet木条地板herringboneparquet人字形木条地板tile瓷砖terrazzo磨石子地wall墙mainwall承重墙partitionwall隔断墙plastering抹灰skirtingboard壁脚板towhitewash粉刷facade建筑物正面window窗basement地下室penthouse遮檐,披屋attic,garret阁楼kitchen厨房diningroom饭厅livingroom起居室lounge吸烟室,大厅bathroom浴室toilet卫生间chimney烟囱fireplace壁炉gutter排水沟drainpipe雨水管,落水管ceiling天花板flatroof,roofgarden屋顶平台,屋顶花园roof屋瓦顶tile,rooftile瓦房屋：house/buildings；门槛：threshold；窗台：windowsill;窗户：window；房檐（复数）：eaves;屋脊：ridge;屋顶：roof/housetop;梁：roofbeamC篇三：与房屋有关英语词汇与房屋有关的词汇House（房子）semi-detachedhouse半独立式房子（一栋房子从中间隔开，成为两户人家，花园也用篱笆隔开）detachedhouse独立式房子(一家拥有)terracedhouses/rowhouses连栋房屋(互相连接的一排房屋；两幢之间只有一层墙壁相隔) fence篱笆 frontdoor房子前门 garage车库 driveway车库通向马路的空地 Flat/Apartment(公寓) blockofflats公寓楼groundfloor第一层firstfloor第二层 lift/elevator电梯 stairs楼梯 steps楼外的台阶balcony阳台 Renting(租房)landlord房东 rent房租 HouseLeasingContract房屋合同deposit定金furnishedhouse/apartment有家具的房子/公寓 unfurnishedhouse/apartment无家具的房子/公寓avacantroom/aspareroom空房singleroom单人间doubleroom双人间 utilities水、电、煤气和垃圾处理等费用flatmate合住一套公寓的人；合租者lettingagency房屋中介agencyfee中介费homestay寄宿家庭，指和房东住在一起，由房东提供食宿）universityaccommodation学校宿舍（住在大学提供的宿舍里）privateaccommodation私人住房Room(房间)cozy温馨的livingroom/lounge起居室；客厅 bedroom卧室mainbedroom主卧 carpet地毯 coffeetable（置于沙发前的）茶几armchair单人沙发 remotecontrol遥控器 radiator暖气片centralheating中央供暖 fridge/freezer冰箱 kettle电烧水壶stool厨房高脚椅 oven烤箱 dishwasher洗碗机tap水龙头sink洗碗池 cupboard橱柜shower淋浴/冲凉bath浴缸bathroom卫生间mainbathroom主卫 toilet马桶Buya(an)flat/apartment买房 realestate房地产mortgage按揭（指向银行借长期抵押贷款，用来买房子）downpayment首付 completedapartment/flat现房（指已建好供销售的房子）forwardhousingdelivery期房 resoldapartment二手房affordablehousing经济适用房 housingprice房价Financingisthekeytomostrealestatetransactions,soifyouarebuyingrealestateforyourpersonaluse,consumercreditconsiderationsareofparamountimportance.Unlikethestandardstockleveragingscheme,wherethedebtiscappedat50percentoftheprincipalvalueofthetransaction,thestandarddebt-to-assetratioinrealestateorwhatthebankscalltheloan-to-valueratio,is80percent,witha20percentdownpayment.Insuchaninstance,thelenderlooksasmuchtothecreditoftheborrowerastothevalueoftheproperty,tobesureofrepayment.Hence,yourrecordofpaymentofotherdebts,orlackthereof,willbeacriticalfactorinwhetherornotyougetcreditforahomepurchase.Otherfactorsthatcomeintoplayareyouroverallfinancialpicture.Ifyouhavelargeamountsofotherassetssuchasstocks,thatwillhelp.Retirementassetssuchasindividualretirementaccounts(IRAs)cannotbeusedtosecureloans,buteventheymayindirectlycountinaborrower’sfavorasevidenceofastuteness.Ifyouarebuyingpropertyforrentalasabusiness,thenmorebusinesslikeconsiderationsapply.Thebankwillstillwanttoevaluateloan-to-valueandincome-to-debtserviceratios,butmaygivelesserweighttoyourpersonalfinancialsituation.Yourpastbusinessexperience,eitherinrealestateorinotherareas,willbetakenintoaccount,aswillyourbusinesscreditrecord.Inunusualcases,thelendermayrequireyoutosignforloanspersonally,inwhichcaseyourpersonalfinancialsituationwillmatter.Thereareseveraltypesoflenders.Themostcommononeisafinancialinstitutionsuchasabankorasavingsandloan.AsecondisgovernmentagenciessuchasVeteran’sAdministrationortheFederalHousingAuthority.Thethirdsourceoffinancingisownerfinancing.对于大多数房地产交易来说，关键在于资金问题的解决。一旦你决定买房，重中之重便是考虑消费品信用贷款。与标准存量中要求债务上限为交易本金的50%的平衡计划不同，在房市中，标准负债与资产比率（银行称之为贷款与价值比率）可达80%，只需20%的预付定金。在这种情况下，贷方把借方的信誉和资产看得同样考试大重要，以确保借方有能力偿还债务。所以，你的其它债务的还款 记录 混凝土 养护记录下载土方回填监理旁站记录免费下载集备记录下载集备记录下载集备记录下载 （或者记录缺失）将会成为致命因素，直接影响你能否获得购房信贷。当然，还有一些因素在起着作用，它们也会影响你的整个筹资计划。你如果有大量的诸如股票之类的另类资产的话，这会对你的信贷非常有利。个人退休金帐户之类的退休资产虽然不能用来做贷款担保，可即便如此，它们却会证明你很精明，并因此而博得贷方的好感。如果你购房是为了商业经营，那你就需要一步步深思熟虑。银行仍然会对你的贷款与价值和工资与债务的偿还比率进行评估，但可能会低估你的个人财务状况。你的商业信贷记录也会被纳入评估的考虑范围，以往的经营经验（房地产或是其它领域）也会被予以考虑。特殊情况下，贷方可能要求本人亲自签收贷款，此时，你的个人财务状况就会与此挂钩。贷方分为好多种。最常见的就是银行和信用合作社等金融机构。第二种就是退伍军人管理局和联邦房屋管理局的政府机构。第三种资金来源就是业主融资Abankwilllookattheborrower’sincomerelativetotheproposeddebtservicepayments.Theruleofthumbduringthemiddleofthetwentiethcenturywasthatamortgageshouldnotbemorethantwoandahalftimesincome.Amorecurrentruleofthumbwasthatmortgagepaymentsshouldnotbemorethan28percentofincome,andtotaldebtservicepaymentsshouldnotbemorethan34percentofincome.Inrecentyears,thelatterratiohasbeenrelaxedtoasmuchas40percent,afinancialstretch.Aborrowercanevenapplyforaloanwithnoincomeverification.Typically,however,thebankrequiresalarge-than–usualdownpayment25to35percentormore,andacleancreditrecord.Somewhatdifferentrequirementsapplyforagovernmentloan.Forinstance,theVeteran’sAdministrationwillmakeloanstowarveteransatlowinterestrates.Othergovernmentagenciestargetotherconstituenciessuchaslow-incomehousing.Ifyouhaveagoodrecordofrunningmulti-familyhouses,youmayqualifyforgovernmentloansforthedevelopmentandmanagementoflow-incomeunits.Insuchcases,yourabilitytogettheloaniscontingentonyourmeetingtheparticularpoliticallyrequirements.Also,governmentloansaremorelikelytohaveoneroustermssuchasprepaymentpenalties.Athirdsourceoffinancing,ifyoufindtherightsellerandarepersuasiveenough,isownerfinancing.AmortgageisnothingmorethananIOUinwhichabuyeragreestopayalenderthevalueofthehouseoveraperiodoftime.Itisreallyawayofborrowingmoneyusingthehouseascollateral.Theborrowerissuesamortgage,andisknownasamortgage,whilethelenderisknownasthemortgage.Inthisparticularinstance,thesellerisalsothelenderofthelastresort.Occasionally,therewillbehomeadvertisementsinthenewspaperthatsayOWC,orownerwillcarry.针对预定的债务偿还量，银行还会了解借方的收入情况。20世纪中期单纯经验的 方法 快递客服问题件处理详细方法山木方法pdf计算方法pdf华与华方法下载八字理论方法下载 就是抵押最多为工资的二点五倍。更为流行的单纯经验方法就是抵押贷款月供最多为月薪的28%，总偿债支付款最多为还款期间工资总额的34%。在最近几年，后者已经达到了40%，这就是金融延伸。借方甚至没有收入证明也可以申请贷款，可尽管如此，银行却会特别要求一笔25-35%甚至更多的巨额首付和一个无污点的信贷记录。申请政府贷款要求多少会有些不同。例如，退伍军人管理局会给予曾经参战的退伍军人低息贷款。其它政府机构提供的是一些赞助服务，比如对那些低收入家庭。如果你具有一个经营多户住宅的良好记录，你就可以获得政府贷款以对低收入住宅进行开发管理。在这些情况之下，你能否获得贷款取决于你能否遇到政治上的特殊需要。当然，政府贷款更可能包括一些繁苛的条款，比如说提前预付罚金。第三种资金来源为业主融资，即通过你的能力，自己发现和说服卖家。其实抵押就是借据，通过这个借据，买方同意在一定的时间范围内偿还房价借款，说到底只是贷款买房方式的一个担保。借方提供了抵押，并将其作为抵押，而且贷方也认可了这个抵押。在这个特例中，卖方其实就是最后贷方。偶尔，新闻上刊登一些房屋广告会提到“业主负责还款”。Thebuyingandborrowingtransactionsarehandledsimultaneouslybyacloser.Shewilltakethedownpayment,typicallyintheformofacertifiedcheckfromthebuyer,andthecheckfromthelenderfortheamountofthemortgage.Shewillthentaketitlefromthesellerandre-registerthepropertyinthenameofthebuyer.Finally,shewillhandoverthemonetaryproceedstotheseller.Ifthepartieswanttomakeabsolutelysureofthevalidityofthetransaction,theywillcloseinescrow.Formosttransactions,suchalevelofdetailisnotnecessary.Itissaidthatthethreebasicsofrealestatearelocation,location,andlocation.Thatistrue,allotherthingsbeingequal.Itmeansthatyoushouldnotbuyinapoorlocation.Butitisalsodoesnotmeanthatyoushouldnecessarily“payup”forthebest.Justaswithstocksyoucanmakemoneyfromanexpandingmultiple,aswellasfromrisingrents.Someofthebestmultipleplaysareinneighborhoodswheretheeconomiesandthequalityofthetenantsisimproving.ThesesituationsaremostoftenfoundinlargemetropolitanareaslikeNewYorkCity.Thebestdealscanbeobtainedfrommotivatedsellers,sometimescolloquiallyas“don’twanters.”Suchapersonmayhaverecentlygottendivorced(ormarried,orhadanewchildborn),andnolongerfindsthehousetherightsize.Otherwise,theymighthavebeentransferredorlostajobandwantahousewithlowerpayments.Theclassiccaseissomeoneonthebrinkofforeclosure.someinvestorscheckcourtrecordsofdivorcesarrearages,andupcomingbankruptcyproceedingstofindsuchpeople.Otherswillgotobanksorsavingsandloansandasktoseealistingofthe“realestateowned”(i.e.repossessedrealestate).Inthelattercase,thebankmaybeholdingpropertythatitiswillingtosellforadiscount,becauseadownpaymentandpartofthemortgagehavebeenpaid,ratherthanholdingandmanagingtherealestate.买借交易被一个终端同步处理。她以一种从买方获得的保护支票的方式对预付定金进行处理，用从贷方获得的保护支票处理抵押贷款的数目。接着她会处理卖方的所有权，并将其考(试大重新置于买方名下。最后，她会将货币收益划归卖方。如果买卖双方想绝对确保交易的合法性，他们需履行提存手续。对大多数交易来说，没有必要做这么细。据说房地产的三个基础是地点、地点、还是地点。这话不假，一切都必须讲求对等。意思就是说你不应该买地点不好的房子。可这也并不是说你要尽可能的买最好的房子。这就如同买股票一样，股票的翻番会让你大赚一笔，租金的考(试大上涨也会带来这个效果。最好的翻倍游戏多发生在经济和房客质量提高的区域，比如说像纽约这样的大都市。最划算的交易也可以被焦急的卖方接受，即口语所谓的“大出血”卖主。他们可能刚刚离婚（或是结婚或是有了孩子），房子的大小已经不太合适；抑或搬家、失业，急需一套还款较低的房子。一个经典案例就是，某人止赎期满，一些投资者对其离婚欠款的法院纪录进行核对，并发现其破产诉讼即将到来。如此一来，投资者们会去银行或者储贷协会要一份其所属的房产清单。在后面这个例子中，银行可能会持有房产并希望对其打折拍卖，因为与其持有和经营房产，不如将其拍卖以偿还预付定金和部分抵押贷款。Therealsecretistobuyonlyinsituationsinwhichdebtservicingcostsarelessthanrentalincomeminusexpenses.Investorsmostoftengetintotroubleinnegativecashflowsituations.Abankruptcyinrealestatetermsisknownasaforeclosure.Thisiswhenthebankorotherlendertakespossessionofthebuildingbecausethebuyercan’tmeetpaymentsforaperiodoftime.Foreclosuresaretheclosestthingtopersonalbankruptcy,andstayonaperson’screditrecordforsevenyears.(bankruptcystaysforten.)Amoreamicablesituationisoneinwhichtheownerhandstitle(assymbolizedbythekeysanddeed)tothepropertytothelenderinlieuofforeclosure,butthisalsoinvolvesaseven-yearrecord.Oneormoremissedpaymentsfollowedbyacatch-upwillnotleadtoforeclosure,butthisinformationdoesdamageacreditrecordforsomeyears.Tobuyinaturnaround,themostpromisingsituationisoneinwhichtheneighborhoodandpropertiesarealreadybeingimprovedbythecurrentowners.Itisgoodsignifdevelopersaremovingin.(Butthisissmartmoney.)Thelargestprofitsaremadejustbeforethedeveloperstage,whenindividualsarefixinguptheproperty.Thequalityofthepeopleisevenmoreimportantthanthequalityofthebuildings.Ablue-collarneighborhoodwithstableincomesandfamiliesmaybeabetterbetthanoneinhabitedbyyoungsingleswhomoveouteveryfewyears.Seattle,Washington,wasacaseinpointwhentheaerospaceindustrylaidoffpeople.房地产的秘密就在于只有在这种情况下才可以购房，即债务偿还开销要低于扣除份额中日常开销之后的租金收入。投资者很容易陷入负向现金流动的困境之中。止赎是房地产破产中的著名条款。此即由于买方考试大一定时期内负担不起还款，该房产便收归银行或其他贷方所有了。止赎权与个人破产的信用记录保留期限最为接近，要保留7年（破产为10年）。一个更为和睦的处境就是所有者将财产所有权（以钥匙和契约 表 关于同志近三年现实表现材料材料类招标技术评分表图表与交易pdf视力表打印pdf用图表说话 pdf 征）交与贷方从而避免破产，可这也要在信用记录中保留7年。一个或多个忘还的款项随后补交之后虽然不会导致止赎，可却会在信用记录中保留多年。转型期购房，此时最有价值的投资就在那些已被现有业主开发的小区和物业。如果开发者进入，这就是一个好的标志。（可这获利甚微。）要想获得较大利益，就要在开发者进入之前动手，即人们开始解决物业之时。人的因素考试大要比物的因素更为重要。有稳定收入及家庭的蓝领公寓与那些没几年就搬一次家的单身青年聚居区要更值得搏一把。对此，西雅图、华盛顿在航空和航天工业裁员时就是再恰当不过的例子了。Beforebuyinganyproperty,youshouldgetanengineeringreport,tomakesurethatthemainsystemswork;electric,gas,andwater.Thereshouldnotbeanystructuralproblemswiththese,thefoundation,orthebeams.Theremaybeplentyofminorfaultssuchaschippedpaint,butthereshouldbereflectedinalowersellingprice.Youshouldwelcomesuchdefectsbecauseyoucanincreaseyourprofitsbyfixingthem.Thebankwilldoanappraisal,butitwillbeacursoryone.Insteadoftryingtopinpointtheexactvalueforyourhouse,thebankappraiserwillusethesellingpriceasastartingpoint,andthentestitforreasonableness.Agood(welldone,notnecessarilyfavorable)appraisalwilltellyouwhatthemarketthinksofthehouseandwhy.Cashflowonrealestateisprettymuchdiscretionary,atleastaftertheminimumdebtservicechargesarepaidoff.Youcanreinvestitinthepropertytomaintainorimproveit,youcanprepayyourmortgageoryoucanspendit,eitheronmorerealestate,oronotheritems.Apropertycanevenbe“milked”forshortperiodsoftimebydeferringmaintenance,butthatisnotawiselong-termstrategy.Anywayyousliceit,cashflowiswhatultimatelydrivesthereturnonrealestate.Ifcashflowafterexpensesanddebtserviceisnegative,thepropertyispricedtoohighandlikelytogodowninvalue.Forthisreason,oneshouldnotthinkintermsofsacrificingcashflowfor“appreciation.”Realestateshouldbeboughtforintrinsic(i.e.,cashflow)ratherthanresalevalue.Thisistrueofstocks,butparticularlytoldinnumerousplaces,mostnotablybyJohnPaulGetty,ofFloridaswamplandinthe1920s;inwhich“investors”boughtandsoldbinders,orcontracts,onrealestate;withtheintentionof“flipping”themwithinashorttime.Whenoneskepticalinvestoraskedtheagenttoshowhimtheland,whichwasunderaswamp,theagentexplained,“Thisrealestateisfortrading,notforowning.”Whenthecrazeisover,somehaplessinvestorwillbeleftwithaworthlesspieceofproperty.Anonlyslightlylessinsidiousformof“realestate”isonethatisuneconomical,exceptfortaxbreaks.ThentheinvestorishostagetochangesintheTaxCode.不管买什么房子，之前你都要拿到该房子的工程报告，以弄明白房子的电、水、和气等主要工作系统。房子的基础、大梁也不能有任何结构性问题。当然，一些小的瑕疵也是不可避免的，比如说油漆脱落，可这应该在价格上有所反应。对于这些缺陷，你应该感到高兴,因为通过修补你还能提高你的收益。银行会出一个评估报告，但却很粗略。银行评估师不会给你的房产定价，只是用卖价作为起点，然后用合理性进行检验。一个好的（做得好却未必有利的）评估报告将会告诉你市场对该房产的反映和市场为什么如此反应。房地产现金流的决定权相当之大，要求至少先支付最低的债务偿还的服务费用。你可以重新投资房地产，以便对其进行维持、改善；你也可以预交抵押贷款的定金，你也可以将其