Thẩm định tài sản appraisal - Part 3 TOEIC Luyện Thi
Tóm tắt nhanh: Khách hỏi appraisal process cho nhà USD 450k. 3 câu hỏi: property type, value, process.
Hội thoại
Loan Officer: Hi. We need an appraisal for your mortgage application.
Customer (Sofia): What's the process?
Loan Officer: We hire an independent appraisal management company. They send a licensed appraiser to inspect the property.
Sofia: What type of property is it?
Loan Officer: You said it's a single-family home in Palo Alto, expected to value USD 450,000.
Sofia: Yes. How long does the appraisal take?
Loan Officer: About 1 week from scheduling. The appraiser will visit, take photos, compare comparable sales, and produce a report.
Sofia: What's the cost?
Loan Officer: Typically USD 500-800 for a home of that value. It's paid at closing or upfront.
3 câu hỏi trắc nghiệm
Question 1: What type of property is being appraised?
- (A) Condo
- (B) Single-family home ✓
- (C) Townhouse
- (D) Multi-family
Đáp án: (B) - "single-family home".
Question 2: What is the expected value?
- (A) USD 400,000
- (B) USD 450,000 ✓
- (C) USD 500,000
- (D) USD 600,000
Đáp án: (B) - "USD 450,000".
Question 3: How long does the appraisal take?
- (A) 3 days
- (B) 1 week ✓
- (C) 2 weeks
- (D) 1 month
Đáp án: (B) - "About 1 week".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| appraisal | thẩm định giá |
| mortgage application | đơn xin vay mua nhà |
| independent | độc lập |
| appraisal management company | công ty quản lý thẩm định |
| licensed appraiser | người thẩm định có giấy phép |
| inspect the property | kiểm tra tài sản |
| single-family home | nhà riêng 1 gia đình |
| Palo Alto | tên thành phố |
| expected to value | dự kiến giá trị |
| from scheduling | từ lúc lên lịch |
| take photos | chụp ảnh |
| comparable sales | giao dịch so sánh |
| produce a report | tạo báo cáo |
| typically | thường lệ |
| paid at closing | trả tại đóng hợp đồng |
| upfront | trả trước |
Traps
Bẫy 1: Property type
- "Single-family home" - khác condo/townhouse.
Bẫy 2: Cost range
- USD 500-800 - "typical" range, không fixed.
Bẫy 3: Process steps
- Schedule → Visit → Photos → Comparable → Report.
Topic: Property appraisal process USD 450k home, USD 500-800 fee, 1 week.
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