mortgage; charge

简明释义

按揭

英英释义

A mortgage is a legal agreement in which a bank or other lender lends money at interest in exchange for taking the title of the debtor's property, with the condition that the conveyance of title becomes void upon repayment of the debt.

抵押贷款是一种法律协议，银行或其他贷款人在收取利息的情况下借出资金，以换取债务人财产的所有权，并且在偿还债务后所有权的转让将失效。

A charge is a legal claim or lien on property, typically used as security for a loan or obligation, which allows the lender to take possession of the property if the borrower fails to meet the terms of the loan.

抵押是对财产的法律索赔或留置权，通常用作贷款或义务的担保，允许贷款人在借款人未能满足贷款条款时占有该财产。

例句

1.He decided to take out a mortgage; charge 抵押贷款; 费用 to buy his first home.

他决定办理一份mortgage; charge 抵押贷款; 费用来购买他的第一套房子。

2.Understanding the terms of your mortgage; charge 抵押贷款; 费用 is crucial before signing any documents.

在签署任何文件之前，理解您的mortgage; charge 抵押贷款; 费用条款是至关重要的。

3.When applying for a loan, you may need to provide a mortgage; charge 抵押贷款; 费用 on your property.

申请贷款时，您可能需要在您的财产上提供一份mortgage; charge 抵押贷款; 费用。

4.If you default on your loan, the bank can claim your home through the mortgage; charge 抵押贷款; 费用.

如果您违约，银行可以通过mortgage; charge 抵押贷款; 费用索回您的房屋。

5.The bank requires a mortgage; charge 抵押贷款; 费用 on the property before approving your application.

银行在批准您的申请之前，需要对该物业进行mortgage; charge 抵押贷款; 费用。

作文

In today's financial landscape, understanding terms like mortgage (抵押贷款) and charge (收费) is crucial for anyone looking to buy a home or invest in real estate. A mortgage is essentially a loan specifically used to purchase property, where the property itself serves as collateral. This means that if the borrower fails to make the required payments, the lender has the right to take possession of the property through a legal process known as foreclosure. On the other hand, a charge can refer to various fees or financial obligations associated with borrowing money, which can include interest rates, closing costs, and other expenses that may arise during the mortgage process.When considering a mortgage, it is important to shop around for the best rates and terms. Lenders will evaluate your credit history, income, and overall financial situation to determine how much they are willing to lend and at what interest rate. The interest rate on a mortgage can vary significantly based on these factors, and even a small difference in the rate can lead to substantial savings over the life of the loan.Additionally, understanding the concept of a charge is equally important. Some lenders may impose additional charges beyond the principal and interest of the mortgage. These can include origination fees, appraisal fees, and title insurance, among others. It is essential to read the fine print and be aware of all potential charges before signing any agreements. This knowledge can help borrowers avoid unexpected costs that could affect their ability to make timely payments on their mortgage.Another key aspect to consider is the type of mortgage you choose. Fixed-rate mortgages provide stability with consistent monthly payments, while adjustable-rate mortgages may offer lower initial rates but can fluctuate over time. Understanding these options can help buyers make informed decisions based on their financial goals and risk tolerance.Furthermore, it is advisable to consult with a financial advisor or mortgage broker when navigating the complexities of mortgages and charges. These professionals can provide valuable insights and guidance tailored to your specific situation, ensuring that you choose the best path forward. They can also assist in calculating the total cost of a mortgage over its lifetime, including all charges, which can greatly aid in budgeting and planning.In conclusion, grasping the meanings and implications of mortgage (抵押贷款) and charge (收费) is essential for anyone entering the real estate market. By understanding how mortgages work, the different types available, and the various charges that may apply, individuals can better prepare themselves for the responsibilities of homeownership. Knowledge is power, and being well-informed can lead to more confident and financially sound decisions in the pursuit of owning a home.

在当今的金融环境中，理解像抵押贷款（mortgage）和收费（charge）这样的术语对于任何想要购买房屋或投资房地产的人来说都是至关重要的。抵押贷款本质上是一种专门用于购买财产的贷款，其中财产本身作为抵押品。这意味着，如果借款人未能按时还款，贷方有权通过法律程序（称为止赎）获得财产的所有权。另一方面，收费可以指与借款相关的各种费用或财务义务，这可能包括利率、成交费用以及在抵押贷款过程中可能产生的其他费用。在考虑抵押贷款时，寻找最佳利率和条款非常重要。贷方将评估您的信用历史、收入和整体财务状况，以确定他们愿意借出多少资金以及以何种利率。抵押贷款的利率可能会根据这些因素而显著变化，即使利率的小差异也可能导致贷款期限内的可观节省。此外，理解收费的概念同样重要。一些贷方可能会在抵押贷款的本金和利息之外收取额外的收费。这些可能包括发放费用、评估费用和产权保险等。在签署任何协议之前，阅读细则并了解所有潜在的收费是至关重要的。这种知识可以帮助借款人避免可能影响其按时还款能力的意外费用。另一个关键方面是您选择的抵押贷款类型。固定利率的抵押贷款提供稳定性，具有一致的每月付款，而可调利率的抵押贷款可能提供较低的初始利率，但随着时间的推移可能会波动。理解这些选项可以帮助买家根据他们的财务目标和风险承受能力做出明智的决定。此外，在应对抵押贷款和收费的复杂性时，咨询财务顾问或抵押贷款经纪人是明智的。这些专业人士可以提供有价值的见解和量身定制的指导，确保您选择最佳的前进道路。他们还可以帮助计算抵押贷款在其生命周期内的总成本，包括所有的收费，这可以大大帮助预算和规划。总之，掌握抵押贷款（mortgage）和收费（charge）的含义及其影响对于任何进入房地产市场的人来说都是必不可少的。通过了解抵押贷款的运作方式、可用的不同类型以及可能适用的各种收费，个人可以更好地为房主的责任做好准备。知识就是力量，充分了解可以使人们在追求拥有房屋的过程中做出更自信和财务合理的决策。