Core Viewpoint - The article emphasizes the importance of understanding the differences between various types of deposits when purchasing a property, as misinterpretation can lead to significant financial losses. Group 1: Types of Deposits - The article outlines five types of deposits: 定金 (Deposit), 订金 (Advance Payment), 意向金 (Intent Money), 违约金 (Penalty), and 押金 (Security Deposit) [2][3][4][5][6][7]. - 定金 (Deposit) serves as a guarantee and is non-refundable if the buyer backs out, while it must not exceed 20% of the main contract value [3]. - 订金 (Advance Payment) is similar to a prepayment and can be negotiated for a refund regardless of who defaults [4]. - 意向金 (Intent Money) is used to reserve a property and can become a penalty if the buyer defaults, but it is not legally binding [5]. - 违约金 (Penalty) is a pre-agreed compensation in the contract, which can be contested in court if deemed excessive or insufficient [6]. - 押金 (Security Deposit) is used to ensure buyer commitment and is refundable upon completion of the transaction [7]. Group 2: Risk Prevention Strategies - The article provides three key strategies to mitigate risks associated with these deposits [8][9]. - First, it is crucial to carefully review the terms in the agreement to ensure consistency with verbal agreements regarding the type of deposit [10]. - Second, payments should ideally be made via bank transfer with clear project descriptions to avoid disputes [11][12]. - Third, it is advisable to record verbal commitments and keep all relevant documentation, such as contracts and chat records, to protect oneself legally [13].