现实生活中遇到的常用英语词汇 – 超市、修车、养花、网购等等生活英语词汇，随时记录随时学习; 选自日常生活中运用的英语词汇和表达方式，了解和运用地道的英语，从而完成从书本英语学习到实际生活实践的完美合成。
生活英语词汇 English Words in Daily Life
in the rear view 过去，已成为过去
The real estate board representing Canada’s largest housing market is predicting the peak may be in the rear view for Toronto after buying activity fell further from record levels in June. （bnnbloomberg.com/July 5, 2021）
代表加拿大最大住房市场的房地产委员会预测，购房市场从6月的创纪录水平进一步下降后，多伦多房地产市场高峰期也许已成为过去。
run its course 自然发展、持续到自然结束
“Home sales soared at the start of the year, with a huge sales record in the first quarter. However, the record pace of sales has run its course as pent-up demand has increasingly been satisfied in the absence of normal population growth,” said TRREB Chief Market Analyst Jason Mercer in the release. （bnnbloomberg.com/July 5, 2021）
房地产委员会首席市场分析师杰森·默瑟(Jason Mercer)在报告中称：今年年初，房屋销售飙升，第一季度创下了巨大的销售记录。不过，创纪录的销售速度已经结束，因为在没有正常人口增长的情况下，被压抑的需求得到了越来越多的满足。
trading hands 交易 （To change ownership）
The Ottawa Real Estate Board (OREB) said this week that its members sold 2,131 homes over the month of June, up five per cent year-over-year. Residential-class property sales were largely steady while the number of condos trading hands last month was up 13 per cent over June 2020. (globalnews.ca/July 8, 2021)
渥太华房地产委员会(OREB)本周表示，其成员在6月份售出了2131套住房，同比增长5%。住宅类房地产销售基本稳定，而上月公寓交易数量较2020年6月增长13%。
housing stock 住房存量
Inventory levels for both residential and condo properties are at their highest points since 2017, Wright said. “However, we are still at a one-month supply of housing stock, so we aren’t out of the woods yet.” Housing prices also continue to climb in Ottawa, though Wright said the “drastic increases” seen earlier in the year seem to have abated. (globalnews.ca/July 8, 2021)
渥太华房地产委员会主席黛布拉·赖特(Debra Wright)说，住宅和公寓的库存水平都达到了2017年以来的最高点。“不过，我们的房屋库存仍只有一个月的供应量，所以我们还没有摆脱困境。” 渥太华的房价也在继续攀升，不过赖特说，今年早些时候出现的“急剧上涨”似乎已经减弱。
freehold house 永久产权房屋
Main Housing Stats for Ottawa, July 03 2021: OREB Members sold a total of 1524 Residential Properties in June 2021, up 6%. (includes freehold and Condos). 1063 were freehold house sales, up by 2.51% and 461 were condo sales, up by 15% over last year.
Average Freehold House Price in Ottawa is $787,294 up 24.6%
Average condominium price in Ottawa now $439,434, up 19.8%
(agentinottawa.com/July 03 2021)
渥太华主要住房统计数据，2021年7月3日: 渥太华房地产委员会成员在2021年6月共售出1524套住宅，增长6%。(包括永久产权房屋和公寓)。1063套是永久产权房产销售，同比增长2.51%; 461套公寓销售，同比增长15%。
渥太华永久产权房屋均价为787,294加元，上涨24.6%
渥太华的公寓均价为439434加元，上涨了19.8%
upsizing 扩大住宅空间
During the pandemic, people upsizing were the first wave of buyers. They needed more space to work from home and segregated spaces for two parents to work and kids to learn. Following the acceleration of house prices (and weakness of condo values), many renters began to fear missing out on another home price rally. First-time homebuyers wanting to build equity have jumped into the apartment market. （mortgagesandbox.com/）
在大流行期间，那些想扩大住宅空间的人成了第一波买家。他们需要更多的空间在家里工作，需要分隔的空间供父母工作和孩子学习。随着房价的加速上涨(以及公寓价值的疲软)，许多租房者开始担心会错过另一次房价上涨。希望增加资产净值的首次购房者纷纷涌入公寓市场。
exurb /ˈeɡ.zɜːb/城市远郊富裕家庭居住区
A recent CIBC survey found that more than 20% of people currently working from home will be returning to the office. As well, we expect the vast majority of students to return to their schools full-time. This points to a possible bounce back to the migration to the outer suburbs, exurbs, and cottage country. An important question raised by the current demand is: If work-from-home and school-from-home are temporary market drivers, what will happen when the pandemic is over? （mortgagesandbox.com）
加拿大帝国商业银行(CIBC)最近的一项调查发现，超过20%目前在家工作的人将重返办公室。此外，我们希望绝大多数学生返回他们的学校全日制上课。这表明向疫情期间向近郊、远郊和乡村的迁移可能会反弹。当前需求提出的一个重要问题是: 如果在家工作和在家上学是市场暂时的驱动因素，那么疫情结束后会发生什么?
mortgage stress test 住房贷款压力测试
The recent aggressive and accelerating price growth across Canada has triggered government intervention. In April, the bank regulator proposed to increase the mortgage stress test by roughly 0.5%. The change goes into effect in June 2021.
加拿大各地最近大幅加速的价格上涨已引发政府干预。今年4月，加拿大商业银行的监管机构提议将抵押贷款压力测试提高约0.5%。这项改变将于2021年6月生效。
down payment 首付款
Home prices in Ottawa remain significantly lower than those in Vancouver’s real estate market or Toronto’s real estate market. Most homes in Ottawa are still below the $1 million mark and are consequently still eligible for a minimum down payment of 5% and CMHC insurance, allowing a much larger audience of buyers to compete for limited inventory. （wowa.ca/July 8th, 2021）
渥太华的房价仍然明显低于温哥华或多伦多的房地产市场。渥太华的大多数住宅仍低于100万美元，因此仍有资格获得5%的最低首付和CMHC保险，这让更多的买家争夺有限的库存。
home affordability 住房购买能力
Mortgage rates have also risen from their 2020 lows but have remained stable for the past few months. However, the prospect of tighter monetary policy from the Bank of Canada as early as mid-2022 could lead to increased rates and limit home affordability in Ottawa.
抵押贷款利率也从2020年的低点有所上升，但在过去几个月一直保持稳定。然而，加拿大央行(Bank of Canada)最早在2022年年中收紧货币政策的前景，可能导致利率上升，限制渥太华的住房购买能力。
skewed more to the downside 更倾向于下行
In a recent Reuters poll, more than 75 percent of analysts (10 of 13) said the risks to their real estate outlook for the coming year are skewed more to the downside. They also said an interest rate hike would significantly tame Canada’s housing market activity and prices.
在最近的路透调查中，超过75%的分析师(13位中有10位)表示，他们认为未来一年房地产前景的风险更倾向于下行。他们还表示，加息将显著抑制加拿大房地产市场活动和价格。（mortgagesandbox.com）
Split Level 错层，分层住宅
Split Level Home or House.
A type of house where the floor levels are staggered. The main level typically contains the living room, kitchen, and dining room. There are typically two short sets of stairs, one running to the bedroom level and the other running down to the basement, which is usually the same square footage at the main level, or larger, with additional living spaces.
一种楼层交错的房屋类型。主层通常包括客厅、厨房和餐厅。通常有两段短楼梯，一段通往卧室层，另一段通往地下室。地下室与主楼层的面积通常相同，或者更大，还有额外的起居空间。
Plexes 联房
Plexes are multi-story buildings with two to four individual units, usually one on each floor. They are a mainstay in Montreal and other cities in Quebec. Each unit is usually individually accessible via an external entrance with higher floors connected by staircases. （wowa.ca/July 8th, 2021）
联房是有两到四个独立单元的多层建筑，通常每层有一个单元。他们是蒙特利尔和魁北克其他城市支柱建筑。每个单元通常单独通过外部入口进入，较高的楼层由楼梯连接。
