房子名称到底区别在哪里？

金贝贝

house，unit，flat，apartment，甚至townhouse
还有别的吗？

有人能告诉我这些到底区别在哪里？

麻吉

金贝贝同学准备买房啦？

zys_saab

house:单独的地里建的房
Townhouse:连在一起的两层或三层的房
unit:连在一起的单层的房
flat:没有管理系统的公寓
Appartment:有管理系统的公寓
Acreage/land:没房的地(自己建)
Semi-Rural:大大的地(建城堡用的)

gimme some points please

[ 本帖最后由 zys_saab 于 2007-9-28 19:27 编辑 ]

Lawlite

还有semi,duplex,terrace

Eating

A
ABA  (Australian Bankers’ Association)
acceptance to agree to the terms of an offer or contract.
accrued interest you have earned or incurred that is yet to be paid or charged.
adjustments the process of allocating expenses (Council, electricity, phone, water rates) on settlement day that the seller has paid for but not used, and which the buyer has not used but will be billed for.
agent person or body authorised to act on behalf of a client in the sale, purchase or management of property.
allotment a block of land created out of a larger area.
amortisation period the period of time one has to repay a loan at the arranged terms.
application fees fees charged to cover or partially cover the lender’s internal costs of setting up a loan approval for a home buyer.
appraised value estimate of the value of a property being used as security for a loan.
appreciation an increase in value, for reasons such as heavy demand, of an asset, such as an exisiting property or a block of land.
annual percentage rate  (APR) the annual effective rate of the mortgage which is made up of the interest rate, fees and charges that incur during the contract period.
arrears an overdue account yet to be paid.
assets  money, property or goods owned.
at call a bank account from which money can be withdrawn immediately.
ATM (Automatic Teller Machine)
auction public sale of property with ownership going to the highest bidder, subject to a reserve price being reached.
B
BAD (Bank Account Debits tax) State or Territory government tax (except ACT) on withdrawals from accounts on which a cheque may be drawn.
bad debt a debt with little chance of being recovered and written off as a loss.
balance sheet  a statement of assets, liabilities and net equity for an enterprise at a point of time.
balloon payment a large loan repayment to clear a debt.
bank cheque a cheque that draws money specifically from funds you own held in a bank.
banker’s opinion enquiries made from one bank to another to check on a customer’s reliability or credit worthiness.
bankruptcy when a debtor has his/her estate placed into the hands of a receiver who has the responsibility for its distribution.
bearer person presenting a cheque to a bank.
bill of sale a written agreement whereby ownership is transferred but the original owner is allowed to retain possession.
body corporate a corporation of the owners of units within a strata building. They form a self-elected council for the management of the building and common areas.
bond money, paid by a tenant, held as "insurance’ against that tenant damaging a property, or not paying the rent.
boundary the "fence", real or on paper only, which separates two adjoining properties
bridging finance a short-term loan that covers a financial gap between the purchase of a new property and the sale of an old property.
building regulations the standards formulated by local councils to control the quality of buildings.
C  
capital the current value of your long-term assets - house, property or business.
capital gain the monetary gain obtained when you sell an asset for more than you paid for it.
Capital gains tax a Federal tax on the monetary gain made on the sale of an asset bought and sold after September 1985.
capped loan a loan where the interest rate is not allowed to exceed a set level for a period of time, but unlike fixed rate loans, is allowed to drop.
caveat the Latin for ‘beware’. Usually it is in the form of a contract clause that stipulates a particular requirement.
Caveat emptor Latin for ‘let the buyer beware’, or in Australian ‘you pays your money and you takes your chances’....
Certificate of Title this document details the land dimensions and ownership details, and whether there are any encumbrances on it.
chattels chattels are personal property. There are two types. Real chattels are buildings and fixtures. Personal chattels are clothes and furniture.
cluster housing group of houses that share common space.
cooling off  the period of time after contracts have been exchanged during which a contract may be cancelled. Usually five working days.
commission a fee payable to the real estate agent, by the vendor, for the sale of property.
Common Law Title see Old System Title
common property an area used by many, not an individual. Owned by the tenants in common.
Community Title this form of title gives a purchaser shared ownership of common facilities as well as Torrens Title over a specific lot.
company title a property title that applies when owners of units in a block form a company.
comparison rate a nominal rate per annum together with the compounding frequency as outlined in the Consumer Credit Code.
compound interest  interest that is paid on both the accumulated interest as well as on the original principal.
Consumer Credit Code  an act of Parliament governing the relationship between borrowers and lenders.
contract of sale a written agreement outlining the terms and conditions for the purchase or sale of property.
conveyancing the legal process for the transferral of ownership of real estate.
countersigned additional signature or signatures to guarantee the validity of a document.
covenant terms and conditions that specify the usage of a block of land or the buildings on it.
cover note a note of temporary property insurance before the implementation of a formal policy.
CRAA  (Credit Reference Association of Australia) the body which holds credit details on all of us!
credit borrowed money to be paid back under an arrangement with a lender. Also, a sum of money paid into an account.
credit limit maximum amount the borrower can use at any one time.
creditor a party to whom money is owed.
crossed cheque a cheque with two parallel vertical lines across it to specify that the cheque must be paid into an account and cannot be cashed.
D
daily interest interest calculated on a daily basis - therefore varies according to daily account balance.
debit an account entry to charge a withdrawal to a specified account.
debtor someone who owes money to someone else.
deed a legal document that states an agreement or obligation regarding a property.
default failure to meet debt payment on a due date.
deposit  the amount paid by a buyer when contracts are exchanged. It is usually ten per cent of the agreed selling price.
E
early termination payment the cost of winding up a loan early.
easement  a right to use a corridor or passage of land which is owned by another.
EFT (Electronic Funds Transfer) electronic transfer of funds from one account to another.
encumbrance an outstanding liability or charge on a property.
endorse to sign the back of a cheque to confirm or transfer its ownership to someone else.
equity the amount of an asset actually owned.
equity loan a loan usually secured by the proportion of the value of your house which you own.
equity mortgage a loan secured by the part of the value of an asset (usually house) which you own.
ERIC (Effective Rate of Interest plus Costs)  
establishment fees lending body fees which may or may not be charged to set up a loan.
ETIA (Early Termination Interest Adjustments)
exchange of contract the legal point of time when the vendor and purchaser swap documentation and start enquiries with a view to settlement.
F  
FID (Financial Institutions Duty) state duty on the receipts of financial institutions.
fittings items that can be removed from a property without causing damage to it.
fixed interest an interest rate set for an agreed term.
fixtures these are items that would cause damage to a property if removed. Their removal must be stipulated in the contract of sale and any damage made good by the seller.
freehold the dwelling and the land on which it stands is owned by the owner indefinitely.
free standing a building which is unattached to any other and shares no common wall or walls with any other building.
frozen account an account in which all transactions have been suspended.
G
garnishee to legally divert a part or whole of someone’s money or property to someone else.
gearing the ratio of your own money and borrowed funds in an investment.
guarantee a promise made as bound by the terms of a contract.
guarantor  a party who agrees to be responsible for the payment of another party’s debts.
H
high start loan a loan where the initial repayments are high and decrease over the term of the loan.
highest bid the top price offered by a bidder at auction. If the reserve price is not reached and the property is passed in, the highest bidder is given the first option to negotiate with the vendor.
holding deposit a refundable deposit based on the goodwill of the buyer to go ahead with the purchase.
home unit  otherwise known as a ‘flat’ or an ‘apartment’, a home unit is grouped with other residential dwellings and shares common areas (such as stairs and driveways) with the others.

Eating

I  
ILR  (Indicator Lending Rate) the base rate on which interest rates for variable rate overdrafts and term loans are set.
inclusions items included with the property eg light fittings, fridge, etc.
income statement  a statement of income and expenditure for a period, usually a year.
interest  the lending body’s charge for the use of funds or the return on deposited funds. See daily interest and monthly interest.
interest only usually a short-term arrangement whereby payments are made on the interest only, not the principal.
interest only loan a loan where the principal is paid back at the end of the term and only interest is paid during the term. The loans are usually for a short term of one to five years.
internal rate of return a measure of the return on an investment (or loan) which takes into account the time value of money by showing the rate of interest at which the present value of future cash flows is equal to the cost of the investment or loan.
inventory a list of items included with the property e.g. furniture, movable items, etc.
J  
joint tenants  equal holding of property between two or more persons. If one party dies, their share passes to the survivor/s.
L  
land tax a State Government tax charged to the owners of any property over a stipulated value, unless it is their principal place of residence.
lease a document granting a period of tenancy of a property under specific terms and conditions.
lessee the person or company who, through signing an agreement, leases a property from its owner, known as the lessor.
liabilities someone’s debts or obligations.
lien  the right to hold property as security against a debt or loan.
line of credit a flexible loan arrangement with a specified ceiling to be used at a customer’s discretion.
loan security duty mortgage stamp duty.
loan to valuation ratio (LVR) the ratio of the amount lent to the valuation of the security (usually the house).
low start loan a loan where the initial repayments are low and increase over time.
M  
margin this is the difference between the lender’s interest indicator rate (or other reference rate) and the rate actually charged to borrowers.
maturity the date a debt or investment must be paid in full.
mortgage a form of security for a loan usually taken over real estate. The lender, the mortgagee, has the right to take the real estate if the mortgagor fails to repay the loan.
mortgage offset a non-interest earning account that is offset against a home loan to reduce the total interest payable.
mortgagee the lender of funds.
mortgagor the person borrowing money in the terms of a mortgage.
N  
negative gearing where the return on an investment is insufficient to meet the interest costs of the loan used to fund the investment.
O
offer to purchase a legal agreement that details a specific price for the purchase of a specific property.
offset account a savings account linked to your mortgage in such a way that the interest earned on your savings is applied to reduce the interest on your mortgage.
Old System Title (common law title) consists of a ‘chain’ of the title documents stretching back to the original owner.
option to buy a legally binding document which gives a person, for a fee, the right to buy something usually within a specific time frame at a specific price.
overdraft a pre-arranged limit to which a person can exceed an account balance.
P  
passed in a property is ‘passed in’ at auction if the highest bid fails to meet the reserve price set by the vendor.
payee the person or entity to which a cheque is payable.
plan detailed illustration of a house that shows the internal layout and dimensions and the position of the house on the land.
principal the capital sum borrowed on which interest is paid.
principal and interest loan a loan in which both the principal and the interest are paid during the term of the loan.
private sale the sale of a property without an estate agent.
private treaty sale a property sale where the buyer negotiates on a price set by the seller.
property management  the act of looking after a property on behalf of its owner.
R
refinancing to replace or extend an existing loan with funds from the same institution or another.
requisitions on title a process by which the buyer requests additional information about the title of the property from the seller.
reserve price  specified minimum price acceptable to a seller at auction.
right of way can be either somebody’s right to cross other property or a general pathway across your land.
rise and fall clause a building contract clause that allows the final pricing to move up or down according to the fluctuations of material prices or wages.
S  
search an examination to confirm that a vendor is in a position to sell a property and that there are no encumbrances on it.
security an asset that guarantees the lender their borrowings until the loan is repaid in full. Usually the property is offered to secure the loan.
semi-detached two houses that share a common wall or walls.
settlement date date on which the new owner finalises payment and assumes possession.
signatory a person authorised to utilise an account.
stamp duty on transfer a State Government tax assessed on the selling price of the property.
stepped  a stepped account is one in which different amounts of interest are paid on different portions of the account. e.g. 2 percent on the first $1,000 and 3 percent on the second $1,000.
Strata Title this title gives you ownership of a ‘unit’ of a larger building which you may sell, lease or transfer at your discretion. Also entitles you to membership of the body corporate.
Stratum Title a title that records your ownership of a ‘unit’ of a larger property. Unlike a Strata Title, the owner becomes a shareholder in the company that manages the common area, not just a member.
survey a plan that shows the boundaries of, and the building position within, a block of land.
susceptibility report shows likelihood of future pest infestations.
T  
tenants in common the equal or unequal holding of property by two or more persons. If one party dies, the property is divided according to law.
term the length of a home loan or a specific portion within that loan.
term deposit often called a fixed interest account - a type of savings account where the size of the deposit, the interest rate and the length of time the money is deposited for are all fixed.
terrace a style of attached house found in many older suburbs. In a row of terraces, virtually identical houses are joined one to another through common walls. Often two or more storeys in height.
title search process to ensure that the vendor has the right to sell and transfer ownership.
Torrens Title records your ownership of a piece of property. You are lawfully entitled to lease, sell or dispose of the property as you desire. Also known as Certificate of Title.
town house  usually a two storey dwelling registered under a strata title.
transfer  a document registered with the Land Titles Office that confirms the change of ownership as noted on the Certificate of Title.
U
unencumbered a property free of liabilities, encumbrances or restrictions.
V  
valuation  a report as required by the lender, detailing a professional opinion of the property’s value.
variable interest rate a rate that varies in accordance with the rates in the marketplace.
vendor party who offers a property for sale.
vendor statement a statement by the seller to the buyer detailing material particulars regarding the property in question.
villa an attached dwelling, one storey in height.
Z
zoning local authority guidelines as to the permitted uses of land.

intel5858

谢谢LS的信息

我的ABC

好像还漏了个Duplex?

A duplex house is a semi-detached two-unit apartment building or condominium, usually indistinguishable from a normal house on the exterior.

金贝贝

原帖由 麻吉 于 2007-9-28 19:12 发表
金贝贝同学准备买房啦？

买什么买啊
是在写作业
不太懂这个问题

金贝贝

谢谢各位解释
尤其是3楼

david007

请教house 和 villa有什么区别? 谢谢

iceland

学习了

xkz0001

还有这些类型的房子的地皮是怎么算的阿，unit和appartment的地皮是共同拥有的是马？详细的是怎么解释的阿

seapple

好好学习下，这回终于弄清楚这几个概念了！