impawn; mortgage; pawn; pledge

简明释义

典当

英英释义

例句

1.He took out a mortgage on his house to finance his business.

他为他的房子办理了抵押贷款以资助他的生意。

2.The shop allowed customers to pawn their valuables for short-term loans.

这家店允许顾客将他们的贵重物品典当以获得短期贷款。

3.She had to pledge her car as collateral to secure the loan.

她不得不将她的车抵押作为贷款的担保。

4.If you impawn your watch, make sure you get a fair value for it.

如果你典当你的手表，确保你能得到一个合理的价值。

5.To get quick cash, she decided to impawn her diamond ring.

为了快速获得现金，她决定典当她的钻戒。

作文

In the world of finance, understanding the terms related to securing loans is crucial. Four important terms that often come up are impawn, mortgage, pawn, and pledge. Each of these terms refers to a method of using an asset as collateral to secure a loan, but they differ in their application and legal implications. Impawn (抵押) is a term that is not commonly used in everyday language but refers to the act of giving something as security for a debt. This can be seen as a broader category that encompasses the other three terms. Mortgage (按揭), on the other hand, specifically refers to a loan secured by real estate. When someone takes out a mortgage, they are borrowing money to purchase property, and the property itself serves as collateral. If the borrower fails to repay the loan, the lender has the right to take possession of the property through a legal process known as foreclosure. This makes mortgages a significant financial commitment and one that requires careful consideration before entering into. Pawn (典当) involves temporarily exchanging an item of value for cash. A pawn shop will give a loan based on the value of the item being pawned, and the individual must return to reclaim their item by paying back the loan plus interest within a set period. If they fail to do so, the pawn shop keeps the item and can sell it to recover their losses. This method is often used for smaller loans and can be a quick way to get cash when needed. Lastly, pledge (质押) is similar to both pawn and mortgage but is often used in the context of business loans. In a pledge, an asset is offered as collateral for a loan, but the borrower retains possession of the asset. This means that while the lender has a claim to the asset should the borrower default, the borrower can still use the asset in their operations. Understanding these terms is essential for anyone looking to navigate the complexities of borrowing and lending. Each method has its own advantages and disadvantages, and the choice between them depends on various factors, including the type of asset, the amount of money needed, and the borrower's ability to repay the loan. In conclusion, whether you are considering a mortgage, pawn, pledge, or impawn, it is vital to understand the implications of each option. Making informed decisions can help prevent financial difficulties in the future and ensure that you are making the best choice for your circumstances.

在金融世界中，理解与贷款担保相关的术语至关重要。四个经常出现的重要术语是impawn（抵押）、mortgage（按揭）、pawn（典当）和pledge（质押）。这些术语都指的是使用资产作为贷款担保的方法，但它们在应用和法律含义上有所不同。Impawn（抵押）是一个不常用的术语，指的是将某物作为债务的担保。这可以看作是一个更广泛的类别，涵盖了其他三个术语。另一方面，mortgage（按揭）特指由房地产担保的贷款。当某人申请按揭时，他们借钱购买房产，而房产本身作为担保。如果借款人未能偿还贷款，贷方有权通过法律程序收回财产，这一过程称为止赎。这使得按揭成为一项重大的金融承诺，需要在进入之前仔细考虑。Pawn（典当）涉及暂时将有价值的物品兑换成现金。典当行将根据被典当物品的价值提供贷款，个人必须在设定的时间内偿还贷款及利息以取回他们的物品。如果他们未能做到这一点，典当行就会保留该物品并可以出售以弥补损失。这种方法通常用于较小的贷款，是在需要现金时快速获得资金的一种方式。最后，pledge（质押）与pawn和mortgage相似，但通常用于商业贷款。在质押中，资产被用作贷款担保，但借款人仍然保留对资产的占有权。这意味着虽然贷方对资产拥有索赔权，但借款人可以在其运营中继续使用该资产。理解这些术语对于任何希望在借贷复杂性中航行的人来说都是必不可少的。每种方法都有其优缺点，选择其中一种取决于多种因素，包括资产类型、所需金额以及借款人偿还贷款的能力。总之，无论您考虑的是mortgage（按揭）、pawn（典当）、pledge（质押）还是impawn（抵押），了解每种选择的影响至关重要。做出明智的决定可以帮助防止未来的财务困难，并确保您为自己的情况做出最佳选择。