down payment

简明释义

第一期付款

英英释义

例句

1.She was able to negotiate a lower down payment with the car dealer.

她能够与汽车经销商谈判降低首付。

2.We put down a significant down payment to secure the property.

我们支付了一笔可观的首付来确保这处物业。

3.If you can afford a larger down payment, your monthly payments will be lower.

如果你能负担更高的首付，你的每月还款将会更低。

4.I saved up for a year to make a large down payment on my new house.

我存了整整一年来为我新房子的首付做准备。

5.The bank requires a 20% down payment for the mortgage loan.

银行要求按揭贷款的首付为20%。

作文

A down payment is an essential part of many financial transactions, particularly when it comes to purchasing a home or a vehicle. Understanding the concept of a down payment (首付款) is crucial for anyone looking to make a significant investment. A down payment is defined as an initial upfront portion of the total amount due on a purchase, which is paid at the time of the transaction. This payment reduces the amount that needs to be financed and is typically expressed as a percentage of the total price.When buying a house, for instance, the down payment (首付款) can vary widely depending on the type of mortgage and the lender's requirements. Conventional loans often require a down payment of 20%, while some government-backed loans may allow for a much smaller down payment (首付款) of 3% or even no down payment at all. The size of the down payment (首付款) can significantly impact the monthly mortgage payment, interest rate, and overall affordability of the home.One of the primary reasons for making a substantial down payment (首付款) is to demonstrate financial stability and commitment to the purchase. Lenders view a larger down payment (首付款) as a lower risk because it shows that the buyer has invested their own money into the property. This can lead to better loan terms, including lower interest rates and reduced private mortgage insurance (PMI) requirements.In addition to affecting loan terms, a down payment (首付款) also plays a critical role in determining how much equity a buyer has in their property right from the start. Equity is the difference between the market value of the home and the amount owed on the mortgage. A higher down payment (首付款) means more immediate equity, which can be beneficial if the homeowner decides to sell or refinance in the future.However, saving for a down payment (首付款) can be challenging, especially for first-time homebuyers. Many individuals face obstacles such as rising housing prices, student loan debt, and other financial responsibilities that can make it difficult to save the necessary funds. To help alleviate this burden, various programs and resources are available to assist buyers with their down payment (首付款) needs.For example, some states offer assistance programs that provide grants or low-interest loans to help cover the down payment (首付款). Additionally, there are federal programs aimed at first-time homebuyers that can reduce the required down payment (首付款) or provide other financial incentives.In conclusion, understanding the role of a down payment (首付款) is vital for anyone considering a major purchase like a home or car. It not only affects the financing terms but also serves as a crucial indicator of the buyer's investment and financial health. As such, aspiring buyers should prioritize saving for a substantial down payment (首付款) to facilitate their purchase and secure favorable loan conditions.

首付款是许多金融交易中一个重要的组成部分，尤其是在购买房屋或车辆时。理解down payment（首付款）的概念对于任何希望进行重大投资的人来说都是至关重要的。down payment（首付款）被定义为在交易时支付的总金额的初始预付款部分。这笔款项减少了需要融资的金额，通常以总价格的百分比表示。例如，在购买房屋时，down payment（首付款）的比例可能因贷款类型和贷方的要求而异。传统贷款通常要求20%的down payment，而一些政府支持的贷款可能允许更小的down payment（首付款），如3%甚至没有down payment。down payment（首付款）的大小可以显著影响每月的抵押贷款还款额、利率和房屋的整体可负担性。进行大额down payment（首付款）的主要原因之一是为了向贷款人展示财务稳定性和对购买的承诺。贷方将较大的down payment（首付款）视为较低的风险，因为这表明买方已经将自己的资金投入到物业中。这可以导致更好的贷款条款，包括较低的利率和减少私人抵押贷款保险（PMI）的要求。除了影响贷款条款外，down payment（首付款）在确定买方一开始在其物业中的权益方面也起着关键作用。权益是房屋市场价值与抵押贷款欠款之间的差额。较高的down payment（首付款）意味着更多的即时权益，这在房主决定未来出售或再融资时可能是有利的。然而，储蓄down payment（首付款）可能是一项挑战，特别是对于首次购房者。许多人面临着房价上涨、学生贷款债务和其他财务责任等障碍，这使得储蓄所需的资金变得困难。为了帮助减轻这一负担，各种程序和资源可用于帮助买家满足其down payment（首付款）需求。例如，一些州提供援助计划，提供赠款或低息贷款以帮助支付down payment（首付款）。此外，还有一些针对首次购房者的联邦项目，可以减少所需的down payment（首付款）或提供其他财务激励。总之，理解down payment（首付款）的作用对于考虑重大购买（如房屋或汽车）的人来说至关重要。它不仅影响融资条款，而且还作为买方投资和财务健康的重要指标。因此，渴望购房的买者应该优先考虑储蓄足够的down payment（首付款），以便促进他们的购买并确保有利的贷款条件。