解答网友问题、科普干货——买房名词解释

The amount by which your property has increased in value compared to the amount you purchased it for.

由您的物业升值带来超出原始购买价格的部分

A record stated on the Certificate of Title advising that an interest in the property is claimed by a third party.

指出在咨询财产权益由第三方声称的产权证书上的记录。

A legal document which details ownership and property particulars such as the lot number, plan/diagram/strata plan number, volume and folio and encumbrances.  A Volume and Folio number is given to each Certificate of Title.

记录业主和不动产信息（如土地编号等、不动产上的负担）的法律文件。 每份不动产地契都有由当地给出的指定单独的编号和记录。

Registered on the Certificate of Title restricting the titleholder to certain effects such as building above a certain height.

通常出现在地契上为在该不动产地契上的有限制类的条款，如限高等。 

Registered on the Certificate of Title to access utilities such as sewer lines.

通常出现在地契上为在该不动产地契上的地役权，其他特定机构或人员对该土地具有地役权，诸如水力公司、电力公司的通行权等。

A charge that affects the use of a property such as a Caveat, Easement or Restrictive Covenant.  It is registered on the Certificate of Title.

通常出现在地契上为在该不动产地契上的对不动产的抵押权，如不可拆除的障碍物等。

An opportunity for the buyer to inspect the property they are purchasing just before settlement to ensure everything is in working order.  The property must be in the same state and condition as to when the offer was accepted.

在过户前买家的一个检查房屋的机会，确保一切设施在正常工作状态，通常为水电气及厨房灶台、烤箱、油烟机和洗碗机（如有）以及所有灯和插座可以正常使用，还有花园浇灌系统和泳池系统的房屋基础设施等等。最终检查时房屋必须保持和签合同时的同等状态，如签合同时有嵌入式洗碗机，过户时必须有洗碗机并工作。

Each owner has equal shares and rights in the property.  Upon the death of one joint owner and if a right of survivorship exists, the share of the interest of the deceased automatically goes to the surviving owner(s).

通常出现在合同和地契中由两个或以上群体组成共同平均拥有改不动产产权，如夫妻两人购买则各占50%或者兄妹三人购房各占33.3%。在一方自然死亡情况下股权自动平均分配划归其他业主。

Income from a property is less than outgoings such as council and water rates, insurance, property management fees etc.  This loss can offset any income thus lowering the tax liability (taxable income is reduced).

当物业收入低于支出总和（如政府管理费、排污费、保险、物业管理费等）。负扣税的损失可以在其他收入的税收中抵除。通常高收入人群税务更高，而通过名下多套房产负扣税的方式抵税避税通常可以达到少交税甚至不交税的效果。具体以后会有专题报道负扣税问题。

The purchase of a property before it is built and can also be before the Certificates of Title are issued.  (eg. Apartments, land in new estates).

购买无完工的物业，有可能还没有在地税局生成地契（如楼花、买地建房套餐等）

Form used when an offer is made to purchase a property.  When the acceptance of the offer has been communicated back to the buyer, it becomes a legally binding contract (‘Contract of Sale/Purchase’).

在购置物业时使用的一种表格文件。当接受了出价的文件被告知买家后即成为具有法律约束力的合同。

When a property does not sell at auction as the highest bid does not meet the reserve price or no bid has been received at all.

当不动产拍卖时最高竞拍价没有达到业主预设接受的底价或没有人参与竞拍时此次拍卖即宣告为流拍。

Income for the property exceeds all expenses. The income is then added onto taxable income.

物业收入大于支出，该收入会被加入到业主个人总收入中计税。

The minimum amount a seller will accept for their property at an auction.

在拍卖前物业为拍卖设置可接受的底价。

The day all legal documentation and funds are exchanged between banks and settlement agents.   The buyer is then the new owner of the property.

所有法律文件和欠款已经完成过户律师和银行之间的转换。买家成为新的业主。

The Government tax paid by a buyer when purchasing a property.  Stamp Duty is paid before settlement.

适用于买家在购买不动产时做缴的税，印花税在过户前支付。

Entities purchasing a property in specified shares.  Upon the death of one entity, the property does not automatically go to the remaining entities unless it is stated in the will.

在购房时划分好的指定比例。在其中某股份拥有者身亡后除遵遗嘱而不直接分配其股权给其他股东。

A written report of the estimated value of a property prepared by a valuer.  A Valuation is different to an appraisal as an appraisal is given by a real estate agent.  The banks instruct valuation companies to estimate the value of a property before finance is given.  The banks do not obtain appraisals, only valuations.

由评估专员准备提供的书面估价报告。评估报个有别于房产中介所给出的报价单。通常由银行指派专业评估公司专员在贷款批准前做出评估报告。银行只接受由专业提供的估价而不接受中介的报价。

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