1 / 4認得Recognize看到這個英文，我知道它大概是什麼。I see it, and I know roughly what it is.
Down Payment
down PAY-ment
頭期款
다운페이먼트
Where you'll see it你會在哪裡看到
- 貸款估算表（Loan Estimate）
- 房屋刊登頁的月付試算
- 貸款申請表
- 仲介和貸款專員的 email
What it actually means白話說
買房時你自己先付的那一部分，剩下的才用貸款付。例如房價 $480,000、頭期款 $60,000，貸款就是 $420,000。要準備多少，看貸款種類和貸款機構的要求。
Common mistake常見的誤會
Down payment 不是訂金，也不是買房要準備的全部現金。出價被接受後先付的那筆叫 earnest money；過戶時除了頭期款，還有 closing costs 要付。
Often right next to it旁邊常出現的字
- Put down付頭期款（口語） 다운페이 하기
- Loan amount貸款金額 대출 금액
- Sale price成交價 매매가
- Closing costs過戶時的各項費用 클로징 비용
- Proof of funds資金證明 자금 증명
2 / 4聽懂Understand對方講一整句，我抓得到關鍵字。They say a whole sentence. I catch the keyword.
You may hear你可能會聽到
Loan officer
“How much do you have saved for the down payment?”
你頭期款存了多少？
Listen for these words整句聽不懂沒關係，抓這幾個字
- How much多少
- saved存了
- down payment頭期款
3 / 4開口Say不用講得完美，我有一句最簡單的可以說。It doesn't have to be perfect. I have one simple line.
You can say你可以說
How much is the down payment?
頭期款是多少？
I can put down sixty thousand.
我可以付六萬的頭期款。
4 / 4實戰Survive真的遇到了，我知道現在發生什麼。When it really happens, I know what's going on.
Quick check實戰一下
你第一次跟貸款專員通電話，對方問了一個問題。
Loan officer 說：Loan officer says:
“How much are you planning to put down?”