按揭贷款 mortgage loan 按揭购房 to buy a house on mortgage； to mortgage a house 房屋空置率 housing vacancy rate 安居工程 Comfortable Housing Project 板楼，板式楼 slab-type apartment building 搬迁户 a relocated unit or household 财产税 property tax；estate（or capital） duty 拆迁补偿费 compensation for demolition 拆迁费用 removal expense 城镇住房公积金 urban housing provident fund 低价住房 low-cost housing 二手房 second-hand house 房产估价师 realestate evaluator 房产证 property ownership certificate 房屋置换 buy or exchange houses 炒房者realestate speculator 房改 housing system reform 房管 realestate management 房权证 property right certificate 房产市场 realestate market 房屋空置率 housing vacancy rate 福利分房 welfare-oriented public housing distribution system 个人购房贷款 individual housing loan 公房商品化 commercialization of public housing 集资房 houses built with funds collected by the buyers 居民住房建设 residential construction 人均住房per-capital housing 现房 complete dapartment （or flat） 期房 forward delivery housing 商品房 commercial residential building 商品房空置 the vacancy problem in commercial housing 政策性住房 policy-related house， policy-based house 住房补贴 rental allowance； housing allowance 住房分配货币化进程 capitalization process of housing distribution/allocation