Az ingatlanon lévő teher általánosságban encumbrance. Ez a konkrét teher hitel miatt áll fenn, angolul "loan encumbrance" on the real property.

Encumbrance tágabb értelmű definíciója:
A claim against, limitation on or liability against real estate is an encumbrance. Encumbrances include liens, deed restrictions, easements, encroachments and licenses.

Példa a konkrét esetre - "ingatlanon levő hitelteher" (hitel= loan):
"Under existing law, if after the execution of the instrument of gift, specifically given property is sold, or mortgaged by a conservator or by an agent acting within the authority of a durable power of attorney for an incapacitated principal, the transferee of the specific gift has the right to a general pecuniary gift equal to the net sale price of, or the amount of the unpaid loan encumbrance on, the property"
http://www.leginfo.ca.gov/pub/11-12/bill/asm/ab_1951-2000/ab...

Három további definíció:

"Definition of 'Encumbrance'
A claim against a property by another party. Encumbrance usually impacts the transferability of the property and can restrict its free use until the encumberance is removed. The most common instances of an encumbrance occurs in real estate such as an outstanding mortgage or unpaid property taxes. However, encumbrance can also be used in an accounting context to refer to restricted funds inside an account that are to be used only for a specific liability."

"Investopedia explains 'Encumbrance'
In real estate, if the property has an encumbrance on its title, this will affect the transferability of the title to another party. Encumbrances can also affect property other than real estate such as car titles. With respect to encumbrance accounting, the presence of an encumbrance can give the illusion that there are more available funds inside an account than is actually free for use. In both cases, it is best to understand the details and implications of an encumbrance before engaging in any transaction."
http://www.investopedia.com/terms/e/encumbrance.asp#axzz1yeS...

"A burden, obstruction, or impediment on property that lessens its value or makes it less marketable. An encumbrance (also spelled incumbrance) is any right or interest that exists in someone other than the owner of an estate and that restricts or impairs the transfer of the estate or lowers its value. This might include an Easement, a lien, a mortgage, a mechanic's lien, or accrued and unpaid taxes."
http://legal-dictionary.thefreedictionary.com/encumbrance