顺便说一句，这是您应该尽快学习的10个房地产首字母缩写

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 年利率 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

出售房屋最重要的方面之一就是确定挂牌价格。做到这一点的一种好方法是要求 CMA或代理商的比较市场分析。他们将评估几个因素，包括本地补偿，以帮助确定您房屋的正确要价。

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

首次购房者应考虑获得 FHA贷款，由联邦住房管理局（Federal Housing Administration）支持。符合条件的购买者只需支付3.5％的首付款即可。

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 采购经理人指数 或私人抵押贷款保险。这有助于确保在您无力偿还贷款的情况下可以保护您的贷方。

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

最后，军人有资格获得 VA贷款 这是由退伍军人管理局支持的。在许多情况下，VA贷款不需要首付。

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When you?re buying or selling a home it helps to work with the experts. 我们的代理商 正准备回答您的所有问题。立即与我们联系 949-791-8160 要么 [email protected]。下次再谈！