1 / 4认得Recognize看到这个英文，我知道它大概是什么。I see it, and I know roughly what it is.
Down Payment
down PAY-ment
首付款
다운페이먼트
Where you'll see it你会在哪里看到
- 贷款估算表（Loan Estimate）
- 房源页的月供试算
- 贷款申请表
- 中介和贷款专员的 email
What it actually means白话说
买房时你自己先付的那一部分，剩下的才用贷款付。例如房价 $480,000、首付款 $60,000，贷款就是 $420,000。要准备多少，看贷款种类和贷款机构的要求。
Common mistake常见的误会
Down payment 不是订金，也不是买房要准备的全部现金。出价被接受后先付的那笔叫 earnest money；过户时除了首付款，还有 closing costs 要付。
Often right next to it旁边常出现的单词
- Put down付首付款（口语） 다운페이 하기
- Loan amount贷款金额 대출 금액
- Sale price成交价 매매가
- Closing costs过户时的各项费用 클로징 비용
- Proof of funds资金证明 자금 증명
2 / 4听懂Understand对方讲一整句，我抓得到关键词。They say a whole sentence. I catch the keyword.
You may hear你可能会听到
Loan officer
“How much do you have saved for the down payment?”
你首付款存了多少？
Listen for these words整句听不懂没关系，抓这几个词
- How much多少
- saved存了
- down payment首付款
3 / 4开口Say不用讲得完美，我有一句最简单的可以说。It doesn't have to be perfect. I have one simple line.
You can say你可以说
How much is the down payment?
首付款是多少？
I can put down sixty thousand.
我可以付六万的首付款。
4 / 4实战Survive真的遇到了，我知道现在发生什么。When it really happens, I know what's going on.
Quick check实战一下
你第一次跟贷款专员通电话，对方问了一个问题。
Loan officer 说：Loan officer says:
“How much are you planning to put down?”