down payment; initial payment

简明释义

期初付款

英英释义

例句

1.The car dealership requires a down payment 首付款 before you can take the vehicle home.

汽车经销商要求在你可以把车带回家之前支付首付款。

2.Many lenders offer financing options that allow for a smaller down payment 首付款.

许多贷款机构提供融资选项，允许较小的首付款。

3.She saved for years to afford the initial payment 初始付款 on her new apartment.

她存了好几年钱才能支付新公寓的初始付款。

4.You can negotiate the terms of your initial payment 初始付款 when buying a property.

在购买房产时，你可以协商初始付款的条款。

5.To secure the house, we need to make a down payment 首付款 of at least 20%.

为了确保这栋房子，我们需要支付至少20%的首付款。

作文

When it comes to making a significant purchase, whether it's a house, a car, or any other large investment, understanding the concept of a down payment is crucial. A down payment (首付款) refers to the initial amount of money that a buyer pays upfront before securing a loan or financing for the remaining balance. This payment is typically a percentage of the total purchase price and serves as a demonstration of the buyer's commitment to the transaction. For instance, when buying a home, the down payment can range from 3% to 20% of the home's price, depending on the type of mortgage and lender requirements.The importance of a down payment cannot be overstated. Firstly, it reduces the overall loan amount, which can lead to lower monthly payments and less interest paid over the life of the loan. For example, if someone buys a $300,000 house with a 20% down payment (首付款), they will only need to finance $240,000. This reduction not only makes the monthly payments more manageable but also decreases the total amount of interest paid to the lender.Additionally, having a substantial down payment can enhance a buyer's chances of loan approval. Lenders often view a larger down payment as a sign of financial stability and responsibility. It shows that the buyer has saved a significant amount of money and is less likely to default on the loan. In competitive housing markets, buyers who can offer a higher down payment may have an advantage over others, making their offers more appealing to sellers.Moreover, the down payment plays a critical role in determining the type of mortgage a buyer can secure. For instance, some government-backed loans, like FHA loans, require a lower down payment, while conventional loans might necessitate a higher one. Understanding these requirements can help buyers choose the right financing option that suits their financial situation.In addition to the down payment, buyers should also consider other initial costs associated with their purchase. These can include closing costs, inspection fees, and property taxes, which may also require an initial payment (初始付款). Preparing for these expenses is essential to avoid financial strain later on. Buyers should conduct thorough research and create a budget that encompasses all potential costs, ensuring they are fully prepared for their purchase.In conclusion, the concept of a down payment (首付款) is an integral part of the purchasing process for significant investments. It not only affects the loan amount and monthly payments but also influences the buyer's chances of securing financing and their overall financial health. By understanding the importance of a down payment and preparing for additional costs, buyers can make informed decisions that lead to successful purchases and long-term financial stability.

当涉及到进行重大购买时，无论是房屋、汽车还是其他大型投资，理解首付款的概念至关重要。首付款（down payment）指的是买方在获得贷款或融资之前，向前支付的初始金额。这笔款项通常是总购买价格的一个百分比，并作为买方对交易承诺的证明。例如，在购买房屋时，首付款可以从房价的3%到20%不等，具体取决于抵押贷款的类型和贷款人的要求。首付款的重要性不容小觑。首先，它减少了整体贷款金额，这可能导致每月还款额降低，以及在贷款期限内支付的利息减少。例如，如果某人以20%的首付款（down payment）购买一套30万美元的房子，他们只需要融资24万美元。这种减少不仅使每月还款更易于管理，而且还降低了借款人需支付的利息总额。此外，拥有可观的首付款可以提高买方获得贷款批准的机会。贷款人通常将较高的首付款视为财务稳定和责任感的标志。这表明买方已经储蓄了相当数量的资金，并且不太可能违约。在竞争激烈的房地产市场中，能够提供更高首付款的买家可能在其他买家中具有优势，使他们的报价对卖家更具吸引力。此外，首付款在确定买方能够获得的抵押贷款类型方面也发挥着关键作用。例如，一些政府支持的贷款，如FHA贷款，要求较低的首付款，而传统贷款可能需要更高的首付款。了解这些要求可以帮助买家选择适合其财务状况的正确融资选项。除了首付款，买方还应考虑与购买相关的其他初始费用。这些费用可能包括过户费、检查费和财产税，这些也可能需要初始付款（initial payment）。为这些费用做好准备非常重要，以避免后期的财务压力。买方应进行彻底研究，并制定包含所有潜在费用的预算，以确保他们为购买做好充分准备。总之，首付款（down payment）的概念是重大投资购买过程中的一个重要部分。它不仅影响贷款金额和每月还款，还影响买方获得融资的机会和整体财务健康。通过理解首付款的重要性并为额外费用做好准备，买方可以做出明智的决策，从而实现成功的购买和长期的财务稳定。