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作为定金, down payment 和 earnest money [Copy link] 中文

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Post time 2007-5-30 09:43:11 |Display all floors

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down payment 是某宗交易成交之后的首期付款。

earnest money 是完全不同的概念,有时译为诚意金或保证金。

From widipedia:

An Earnest payment (sometimes called Earnest money or simply Earnest, or alternatively a Good-faith deposit) is a deposit towards the purchase of real estate made by a buyer to demonstrate that he/she is serious (earnest) about wanting to complete the purchase. When a buyer makes an offer to buy residential real estate, he/she generally signs a contract and pays a sum acceptable to the seller by way of earnest money. The amount varies enormously, depending upon local custom and the state of the local market at the time of contract negotiations.

In very lively markets (as experienced on the East and West coasts of the US between 2000 and 2005) earnest money deposits could be as high as 5% of the sales price or more. In other communities as little as $500 or $1000 is acceptable.

If the seller accepts the offer, the earnest money is held in escrow by the real estate broker or settlement or Title company until closing and is then applied to the buyer's portion of the remaining costs. If the offer is rejected, the earnest money is usually returned, since no binding contract has been entered into. If the buyer retracts the offer, the earnest is forfeited. Therefore, it is generally in the seller's best interest to see as high an earnest money deposit as possible.

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Post time 2007-5-30 11:25:38 |Display all floors
Down payment - a partial payment made at the time of purchase, with the balance to be paid later购买商品时支付的头期款,支付完毕即获得商品。
Earnest/Earnest mony - money paid in advance as part payment to bind a contract or bargain签订合同时支付的定金,用以确保交易顺利安全地进行。

A freelance translator in auto and petroleum industries

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