stop-gap loan; bridging loan; bridging advance

简明释义

过渡性贷款

英英释义

例句

1.The construction project was delayed, so the contractor took out a bridging loan (过渡贷款) to keep operations running.

建筑项目被延迟，因此承包商申请了一笔过渡贷款以维持运营。

2.After losing her job, she relied on a stop-gap loan (临时贷款) to pay her rent for a couple of months.

失业后，她依靠一笔临时贷款支付几个月的房租。

3.I needed a quick cash injection to cover my expenses until my next paycheck, so I took out a stop-gap loan (临时贷款).

我需要快速的现金注入来覆盖我的开支，直到我的下一个工资，所以我申请了一笔临时贷款。

4.The buyer secured a bridging loan (过渡贷款) to purchase a new home before selling their old one.

买家获得了一笔过渡贷款以在出售旧房子之前购买新家。

5.She used a bridging advance (过渡预付款) to finance her business expansion while waiting for a larger investment.

她使用了过渡预付款来资助她的业务扩展，同时等待更大的投资。

作文

In the world of finance, there are various types of loans designed to meet specific needs. One such type is the stop-gap loan, also referred to as a bridging loan or bridging advance. These loans serve a crucial purpose in providing temporary financial support during transitional periods. For instance, when an individual is in the process of buying a new home but has not yet sold their existing property, they may find themselves in need of immediate funds. This is where a stop-gap loan becomes essential. It allows the borrower to access the necessary capital to proceed with the purchase while waiting for the sale of their current home to finalize.A bridging loan is typically short-term, often lasting from a few weeks to a few months. The primary advantage of such a loan is its ability to facilitate quick transactions. In real estate, timing can be everything; delays in securing financing can lead to missed opportunities. By utilizing a bridging advance, buyers can act swiftly, ensuring they do not lose out on their desired property due to financial constraints.However, it is important to understand that stop-gap loans come with their own set of risks and considerations. Since these loans are usually secured against the value of the property being purchased or the one being sold, borrowers must ensure they have a clear exit strategy. This means having a plan in place to repay the loan once the sale of the existing property goes through. Failure to do so can result in financial strain or even foreclosure.Moreover, the interest rates on bridging loans can be higher than those of traditional mortgages, reflecting the increased risk lenders take on by providing short-term financing. Therefore, individuals considering a bridging advance should conduct thorough research and possibly consult with a financial advisor to ensure they are making informed decisions.In conclusion, stop-gap loans, bridging loans, and bridging advances are valuable financial tools that can help individuals navigate transitional phases in their lives, particularly in real estate transactions. They provide the necessary liquidity to seize opportunities that might otherwise be lost. However, borrowers must approach these loans with caution, understanding the associated risks and ensuring they have a solid repayment plan in place. With the right strategy, a stop-gap loan can pave the way for successful financial transitions and help individuals achieve their long-term goals.

在金融世界中，有各种类型的贷款旨在满足特定需求。其中一种类型是过渡贷款，也称为桥接贷款或桥接预付款。这些贷款在提供临时财务支持方面发挥着至关重要的作用，尤其是在过渡时期。例如，当个人正在购买新房但尚未出售现有房产时，他们可能会发现自己需要立即资金。这时，过渡贷款就显得尤为重要。它允许借款人获得必要的资金，以便在等待当前房产出售完成的同时继续进行购买。桥接贷款通常是短期的，持续时间从几周到几个月不等。这种贷款的主要优势在于能够促进快速交易。在房地产领域，时机可能是关键；获得融资的延迟可能导致错失机会。通过利用桥接预付款，买家可以迅速行动，确保他们不会因财务限制而错失心仪的房产。然而，重要的是要理解，过渡贷款自身也伴随着一系列风险和考虑因素。由于这些贷款通常以所购房产或待售房产的价值作为担保，借款人必须确保他们有明确的退出策略。这意味着必须制定还款计划，以便在现有房产出售完成后偿还贷款。如果未能做到这一点，可能会导致财务压力甚至止赎。此外，桥接贷款的利率通常高于传统抵押贷款，这反映了贷款人在提供短期融资时所承担的风险。因此，考虑桥接预付款的个人应进行彻底研究，并可能咨询财务顾问，以确保他们做出明智的决策。总之，过渡贷款、桥接贷款和桥接预付款是宝贵的金融工具，可以帮助个人在生活中的过渡阶段，特别是在房地产交易中。他们提供了必要的流动性，以抓住否则可能失去的机会。然而，借款人必须谨慎对待这些贷款，了解相关风险，并确保制定稳健的还款计划。有了正确的策略，过渡贷款可以为成功的财务过渡铺平道路，帮助个人实现长期目标。