The 25 trickiest home buying 条件 explained, from gazundering to covenants
- From base 率 to 橋（渡しをする）ing, there is a lot of jargon around buying a home?
- Zoopla asked 非，不，無-homeowners if they could explain 25 重要な 条件?
- We explain them all - so which ones do YOU know?
Do you know what a freehold is, when you might have to stump up an 早期に 返済 告発（する），告訴（する）／料金 or what it means to be gazumped?
If the answer is no, you aren't alone ? 研究 by Zoopla shows いっそう少なく than half of Britons who don't own a home could 'confidently' 述べる what those words mean.
The home buying 過程 is filled with jargon, and the 所有物／資産／財産 portal asked people to explain 25 重要な 条件 to see how much they really understood.
Gazundering was the least 井戸／弁護士席-known 称する，呼ぶ／期間／用語, while disbursements and covenant also placed at the 底（に届く） of the 名簿（に載せる）／表（にあげる）.
Knowledge is 重要な: But many of those who don't already own a home are 混乱させるd by jargon
Mortgage itself had the best level of understanding, though 20 per cent still said they could not confidently 述べる what it meant.
直す／買収する，八百長をするd 利益／興味 率 (61 per cent), 調査するing (53 per cent) and variable 利益／興味 率 (52 per cent) were also understood by more than half of those questioned.
But t he 調査する 明らかにする／漏らすd a 欠如（する） of comprehension of many of the important 条件 伴う／関わるd with buying a home ? and 9 per cent said they could not understand any of the words on the 名簿（に載せる）／表（にあげる） at all.
For those who aren't sure, This is Money has debunked some of the words on the 名簿（に載せる）／表（にあげる） in our home-buying dictionary below.
Zoopla 概算の that this '所有物／資産／財産 knowledge gap' could be putting more than two million Britons off buying a home.?
It also 最高潮の場面d other 誤解s about the いつかs 複雑にするd 過程 of 購入（する）ing a 所有物／資産／財産.?
While 45 per cent of adults knew what stamp 義務 was, for example, only 27 per cent knew that?it must be paid within 14 days of 完成 of a 所有物／資産／財産 購入（する）.?
And almost a fifth (18 per cent) of those asked said that home 買い手s can never 避ける 支払う／賃金ing stamp 義務, when in fact it only 適用するs to homes 価値（がある） over £250,000, rising to £425,0 00 for first time 買い手s on homes costing up to £625,000.
One mortgage 仲買人 said that not 存在 手がかり（を与える）d up on 所有物／資産／財産 jargon could result in expensive errors.?
Learning curve: Zoopla's 研究 示唆するs first-time home 買い手s may need to do some reading up on 所有物／資産／財産 lingo?
示す Harris, 長，指導者 (n)役員／(a)執行力のある of mortgage 仲買人 SPF 私的な （弁護士の）依頼人s, said: 'For most people, buying a home is the biggest 財政上の かかわり合い they will ever make so it's 決定的な to get it 権利.?
'However, if you don't understand some of the 重要な 条件, and don't have anyone you 信用 to explain them to you, there is a high 危険 of making a 高くつく／犠牲の大きい mistake.'
Harris said that, given many people in the UK aspire to own a home, learning about the 過程 should start in school.??
He 追加するd: 'With the 大陸の 傾向 に向かって long-称する，呼ぶ／期間／用語 renting never really taking off here as home 所有権 remains aspirational, it's important that there is more education with regard to the house buying 過程, ideally starting in s chools.
'Failing that, at least taking the advice of a whole-of-market 仲買人 who can 確実にする you don't 支払う／賃金 more than you need to for your mortgage, would be a big step in the 権利 direction.'
This might be 特に important for first-time 買い手s whose parents do not own a home, によれば Zoopla's 研究.?
It 設立する that those whose parents are not homeowners were twice as likely to 収容する／認める they don't know what a 直す／買収する，八百長をするd 率 mortgage is (14 per cent) than those whose parents do own a home (6 per cent).
David Hollingworth, mortgage 専門家 at 仲買人 L&C, 追加するd: 'When most people will only need to を取り引きする a mortgage every so often and a house move even いっそう少なく frequently it’s important to make sure that you can 削減（する） through the jargon to understand what’s 要求するd.
'Most people won’t have to 競う with all the terminology on the 名簿（に載せる）／表（にあげる） but using a good 助言者 will certainly help you understand the basics when it comes to the mortgage. They should be able to break things 負かす／撃墜する into simple to understand terminology that will help you 焦点（を合わせる） on the 権利 elements for your needs.'
Daniel Copley, 消費者 専門家 at Zoopla, said: 'The 研究 shows that many UK adults - 含むing those who already own a home - have a 重要な 欠如（する） of knowledge when it comes to what even the most basic and commonplace home-buying 条件 mean.?
'It's usually 推定するd that 財政／金融s are the 推論する／理由 someone doesn't own their own home, bu t the 人物／姿／数字s show that for millions of people, it could also be a 欠如（する） of knowledge that is 持つ／拘留するing them 支援する.'
Home buying dictionary: What do these words mean?
Mortgage - 81%
A 貸付金 taken out with the 目的 of buying a 所有物／資産／財産.
直す／買収する，八百長をするd 利益／興味 率 - 61%
A mortgage 利益／興味 率 which stays the same for a 始める，決める period of time ? typically two or five years. This is 普通は in place at the start of a mortgage 称する，呼ぶ／期間／用語, and when it runs out the homeowner must remortgage to another 直す／買収する，八百長をするd or variable 率, or 落ちる on to the 貸す人's 基準 variable 率.
調査するing - 53%
This is when a home 買い手 雇うs a professional surveyor to check the 所有物／資産／財産 for any 存在するing or 可能性のある 未来 問題／発行するs, usually after their 申し込む／申し出 has been 受託するd.
There are different types of 調査する, some of which are more 徹底的な than others ? but typically the surveyor will 検査／視察する all easily accessible areas inside and outside the home, checking things like the 所有物／資産／財産's general 条件, 公共事業（料金）／有用性s, flood 危険 and any health and safety 関心s.
A mortgage 貸す人 may also （売買）手数料，委託（する）／委員会／権限 a 調査する of a 所有物／資産／財産 when deciding whether to 申し込む／申し出 a 貸付金 on it, though this is often done from the street ? known as a '運動-by' and is いっそう少なく 徹底的な.
調査する: This is when a homeowner 任命するs a surveyor to check out a home they want to buy
Variable 利益／興味 率 - 52%
A mortgage 利益／興味 率 which can change ? for example a 基準 variable 率 or tracker. The 率s on these can be higher than 直す／買収する，八百長をするd 取引，協定s, but they usually have the 利益 of no 早期に 返済 告発（する），告訴（する）／料金s.
行為s - 47%
These are the 合法的な 文書s 記録，記録的な／記録するing who owns a 所有物／資産／財産 and the land it sits on, and are held by the Land Registry in England and むちの跡s. Scotland and Northern Ireland have separate 登録（する）s.
When a home is bought for the first time, the homeowner's solicitor may be given a copy of the 初めの 行為s ? but after that they are updated electronically by the Land Registry.
完成 - 46%
This is the day when 所有権 of a home 公式に passes over from the old owner, to the new one ? and usually the day they collect the 重要なs.
Freehold - 46%
This is where the owne r of a home owns not only the 所有物／資産／財産 itself, but also the land it sits on.?
It is the most ありふれた type of home 所有権 in the UK, but flats and 所有物／資産／財産s on managed 広い地所s may be owned leasehold instead.
Stamp 義務 - 45%
A 税金 which must be paid by a 所有物／資産／財産 買い手 to HM 歳入 and Customs, unless the 購入（する） is 免除された.?
In Scotland it is called Land and Buildings 処理／取引 税金 and in むちの跡s it is called Land 処理／取引 税金.
Energy 業績／成果 証明書 (EPC) - 45%
A 証明書 which shows how energy efficient a 所有物／資産／財産 is and gives it a 率ing, from A (best) to G (worst).?
These should be 供給するd when buying or renting a 所有物／資産／財産.?
賃貸し（する） - 44%
If a 所有物／資産／財産 is leasehold, the owner is 効果的に buying a 賃貸し（する） which 許すs them the 権利 to 占領する the 所有物／資産／財産 for a 確かな number of years.?This can be anywhere from one year to 999, with shorter 賃貸し（する）s below about 80 years tending to 減ずる a home's value.?
Leaseholders may also have to 支払う／賃金 a ground rent or service 告発（する），告訴（する）／料金s to the freeholder.?
When the 賃貸し（する） ends, they can 支払う／賃金 the freeholder to 延長する it - but the freeholder does not have to agree to do so.??
On the 封鎖する: If you are buying a flat in a large building, it is likely to be leasehold?
早期に 返済 告発（する），告訴（する）／料金 - 41%
The 料金 告発（する），告訴（する）／料金d by a mortgage 貸す人 if the borrower wants to 支払う／賃金 off their 貸付金, or 出口 a 直す／買収する，八百長をするd mortgage 取引，協定, earlier than scheduled.
公正，普通株主権 - 41%
The 割合 of your home's value that you own 完全な without a mortgage, typically 表明するd as a 百分率.
Gazumping - 41%
When a 買い手 had had their 申し込む／申し出 on a home 受託するd, but another 買い手 approaches the スパイ／執行官 or vendor with a higher one in a 企て，努力，提案 to 勝利，勝つ the 所有物／資産／財産.
の近くにing date - 38%
The date and time ? 始める，決める by the スパイ／執行官 - when all 申し込む／申し出s for a 所有物／資産／財産 購入（する） must be submitted.
Conveyancing - 35%
The 合法的な 過程 of buying a home, where the 買い手 and 販売人's solicitors 移転 the 合法的な 肩書を与える from one party to the other.
仲買人 - 31%
仲買人s are essentially mortgage 助言者s, who can show home 買い手s mortgages from lots of different banks and building societies, discuss their 選択s and help them 適用する. They take a （売買）手数料，委託（する）／委員会／権限, but this is often paid by the 貸す人 they take the 貸付金 with rather than the 買い手.
Base 率 - 30%
The Bank of England's centrally-始める，決める 利益／興味 率. This 影響（力）s how much banks and building societies 支払う／賃金 to borrow money, and therefore how much they 告発（する），告訴（する）／料金 in 利益／興味 to mortgage 顧客s.
Knowledge base: いっそう少なく than a third of 非，不，無-homeowners 調査するd could 'confidently' 述べる what the? base 率 was?
橋（渡しをする）ing 貸付金 - 29%
A short-称する，呼ぶ／期間／用語 mortgage 貸付金, usually taken to '橋（渡しをする）' the gap if someone wants to buy a new home, but hasn't sold their old one yet. 利益／興味 率s can be high.
Land 証明書 - 27%
The old 指名する for 肩書を与える 行為s, when they were 問題／発行するd as paper 証明書s.
年次の 百分率 率 of 告発（する），告訴（する）／料金 (APRC) - 21%
This shows, as a 百分率 , the 年次の cost of a mortgage over its lifetime 含むing 告発（する），告訴（する）／料金s and 料金s. This is useful when comparing different mortgage 取引，協定s.
Tender - 21%
Sale by tender is when home 買い手s 服従させる／提出する 企て，努力，提案s for a 所有物／資産／財産 by a 始める，決める 最終期限, without knowing the guide price or 存在 able to see what others have 企て，努力，提案 ? a bit like a silent auction. In many 事例／患者s, 買い手s 与える／捧げる to the スパイ／執行官's 料金s.
Buying 計画／陰謀 - 17%
政府 計画／陰謀s which are ーするつもりであるd to help people get on the 住宅 ladder, such as 権利 to buy, 株d 所有権 or help to buy.
Covenant - 17%
A covenant is a 支配する 明言する／公表するd in the 肩書を与える 行為s of a home that the new owner agrees to がまんする by when they buy it. This could 妨げる them from using the 所有物／資産／財産 for 確かな activities or from 延長するing it, for example.
Disbursements - 15%
料金s paid by a conveyancing solicitor to other 会社／堅いs during the 過程 of selling or buying a home ? 告発（する），告訴（する）／料金d 支援する to the 買い手 on their final 法案.
Gazundering - 10%
When a 買い手 has submitted an 申し込む／申し出 on a 所有物／資産／財産, but then lowers it at the last minute ? hoping that the 販売人 will 受託する the lower price to 避ける the hassle of finding another 買い手.
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