When you?re buying or selling a home, it?s not uncommon to come into contact with terms you?ve never heard before. Sometimes, it can feel like you?re trying to learn a new language. And that?s especially true with acronyms, which are very popular in real estate. Here?s a list of ten of the most common real estate abbreviations you?re likely to encounter.
APR – Annual Percentage Rate
Shopping for a mortgage is a critical part of your home buying experience, and you?ll no doubt see the term آوریل used frequently. It stands for annual percentage rate and it?s the annual cost over the term of your loan. It includes interest costs and other fees.
CMA – Comparative Market Analysis
یکی از مهمترین جنبه های فروش خانه شما تعیین قیمت لیست است. یک راه عالی برای این کار درخواست a است CMA، یا تحلیل مقایسه ای بازار ، از نماینده شما. آنها چندین فاکتور از جمله کمکهای محلی را ارزیابی می کنند تا به شما کمک کنند قیمت مناسب خانه را تعیین کنید.
DTI – Debt-to-Income Ratio
Applying for a home loan means that your lender will be performing an in-depth evaluation of your finances. One of the things they?ll be looking at is your DTI or debt-to-income ratio. This is the ratio of how much debt you have compared to your income. The lower your DTI, the better the interest rate and terms you?ll get on your loan.
FHA – Federal Housing Administration
خریداران اولین بار در خانه باید در نظر بگیرند وام FHA، که توسط اداره مسکن فدرال پشتیبانی می شود. خریدارانی که شرایط لازم را دارند می توانند در ازای پیش پرداخت مبلغی در حدود 3.5 درصد پرداخت کنند.
FSBO – For Sale By Owner
If you?re interested in a home that is FSBO, it means that you?ll be dealing directly with a seller and not an agent.
HOA – Homeowners Association
Many homes and condos are part of an HOA or homeowners association. HOAs are the governing bodies for some communities and they deal with things such as maintenance and repairs of community spaces. HOAs will have rules that all homeowners must follow and if you buy in an HOA community then you?ll be paying a monthly fee.
MLS – Multiple Listing Service
The MLS or multiple listing service is the collection of homes that are for sale in your community. If you?re selling a home, then your agent will post your home to the MLS. If you?re buying a home, then your agent will search the MLS for homes that fit your criteria.
PMI – Private Mortgage Insurance
If you pay less than 20 percent down on your home, then you?ll be required to pay PMI یا بیمه رهن خصوصی. این امر به شما کمک می کند تا در صورت عدم توانایی پس دادن وام خود ، وام دهنده خود را تحت پوشش قرار دهید.
ROI – Return on Investment
When you?re purchasing a home, you?ll want to consider the ROI or return on investment. This is how much you could profit over your original investment.
VA – Veterans Administration
سرانجام ، اعضای ارتش می توانند شرایط یک وام VA که توسط اداره پیشکسوتان پشتیبانی می شود. در بسیاری از موارد ، وام های VA نیازی به پیش پرداخت ندارند.
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When you?re buying or selling a home it helps to work with the experts. نمایندگان ما ایستاده اند تا به تمام سوالات شما پاسخ دهند. امروز با ما تماس بگیرید 949-791-8160 یا [email protected]. TTYL!
خوش آمدید به نماینده شرکت! خیلی خوشحالیم که اینجا هستید لطفاً برای مشاهده خصوصیات مورد علاقه خود و جستجوهای ذخیره شده وارد سیستم شوید یا وارد شوید.
