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Immobilien Glossar



Abschreibung - depreciation allowance

Absentee Owner
Eigentümer einer Immobilie, der diese nicht selbst bewohnt und meist von einem Property Manager verwalten lässt.

Abstract of Title
Eine lückenlose Sammlung aller Eigentumsübertragungen, Belehnungen, Verfügungen und anderer Informationen bezüglich einer einzelnen Immobilie in das öffentliche Grundregister. Der 'Abstract of Title' könnte mit dem Grundbuchauszug verglichen werden und dient zur Erstellung des 'title reports'

acceleration clause
Eine Klausel in einem Hypothekenvertrag, der dem Darlehnsgeber das Recht gibt die sofortige Zahlung des gesamten Darlehens einzufordern, falls im Vertrag festgehaltene Bestimmungen nicht eingehalten werden, z.B. monatliche Zahlungen nicht geleistet werden oder das Gebäude nicht Instand gehalten wird.

Die Akzeptierung eines Verkaufsgebotes durch den Verkäufer.

Acquisition cost
Die zusätzlich zum Kaufpreis anfallenden Kosten,wie z.B. Escrow-Gebühren

Ein amerikanisches Fläuchenmass ; 1 ac. = 4047 qm oder 43 560 sqft

adjustable-rate mortgage / ARM
Hypothek mit variablen Zinssätzen
Eine Hypothek bei dem sich der Zinssatz, auf Basis eines bestimmten Index, periodisch ändert.

coming soon in german

adjusted basis
Original cost of a property plus the value of any capital expenditures for improvements to the property minus any depreciation taken.

Legal representative of a deceased person's etsate who is appointed by a probate court to administer the estate of a person who died intestate.

Ad valorem tax
Die Steuer, die nach dem Wert einer Immobilie oder Grundbesitzes festgelegt wird.

affordability analysis
A detailed analysis of the ability to afford the purchase of a home. An affordability analysis takes into consideration the persons income, liabilities, and available funds, along with the type of mortgage he/she plans to use, the area where the person wants to purchase a home, and the closing costs that one might expect to pay.

Alleineigentum - sole ownership

A feature of real property that enhances its attractiveness and increases the value of the real estate although the feature is not essential to the property's use.

Tilgung. The process of gradually estinguish da depth, usually through repayment of a mortgage loan by installments.

amortization schedule
A scheduled timetable for payment of a mortgage loan. The schedule reflects the date and breakdown of each installment payment, the amount of each payment applied to interest and principal and shows the remaining balance after each payment is made.

amortization term
The amount of time required to amortize the mortgage loan. The amortization term is expressed as a number of months. For example, for a 30-year fixed-rate mortgage, the amortization term is 360 months.

Repaying a mortgage with regular payments that cover both principal and interest.

Anerkennung, Einschätzung - appreciation

anfallend (Kosten, Reparaturen, Probleme) - incurred (costs, repairs, problems)

Angabe - statement, specification

anhängig (Zivilverfahren) - pending

Ankaufsrecht - right of purchase, option

Annuitätendarlehen - annuity loan

Anpassung - adaption, adjustment

Anteilseigentümer - shareholder

annual mortgagor statement
A report sent to the mortgagor each year. The report shows how much was paid in taxes and interest during the year, as well as the remaining mortgage loan balance at the end of the year.

annual percentage rate (APR)
The cost of a mortgage stated as a yearly rate, including the impact of finance charges on the effective rate interest, interest, mortgage insurance, and loan origination fee / points.

An amount paid yearly or at other regular intervals.
Anwesen, Immobilie - real estate

A defensible written analysis or opinion of the estimated value of a property prepared by a qualified appraiser.

appraised value
An opinion of a property's fair market value, based on an appraiser's knowledge, experience, and analysis of the property.

A qualified individual who uses his or her experience and knowledge to prepare the appraisal estimate.

An increase in the value of a property due to changes in market conditions or other causes. The opposite of depreciation.

assessed value
Der Wert eines Immoblie, der vom County oder City Tax Assessor fr Steuerzwecke festgelegt wurde.

Assumed Mortgage
Eine Hypothek, die der Kufer vom Hausverkufer bernimmt..

The process of placing a value on property for the strict purpose of taxation. May also refer to a levy against property for a special purpose, such as a sewer assessment.

assessment rolls
The public record of taxable property.

A government official who is responsible for determining the value of a property for taxation purposes.

Anything of monetary value that is owned by a person. Assets include real property, personal property, and enforceable claims against others.

The transfer of a mortgage from one person to another.

assumable mortgage
A mortgage that can be transferred from a seller to a buyer; once the loan is assumed by the buyer the seller is no longer responsible for repaying it; there may be a fee and/or a credit package involved in the transfer of an assumable mortgage.

The transfer of the seller's existing mortgage to the buyer.

assumption clause
A provision in an assumable mortgage that allows a buyer to assume responsibility for the mortgage from the seller. The loan does not need to be paid in full by the original borrower upon sale or transfer of the property.

assumption fee
The fee paid to a lender resulting from the assumption of an existing mortgage.

One who holds a power of attorney from another to execute documents on behalf of the grantor of the power.

Auflassung - conveyance of land, notarised conveyance of ownership

Auflassungsvormerkung - priority notice of conveyance, priority notice protecting a claim for transfer of title to land, prioriity notice protecting conveyance of ownership

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