hypothecate

简明释义

英[haɪˈpɒθɪˌkeɪt]美[haɪˈpɑːθɪˌkeɪt]

vt. 抵押；担保

第 三 人 称 单 数 h y p o t h e c a t e s

现 在 分 词 h y p o t h e c a t i n g

过 去 式 h y p o t h e c a t e d

过 去 分 词 h y p o t h e c a t e d

英英释义

单词用法

同义词

反义词

例句

1.Hypothecate loan of usufruct from immovable properties is a brand new financial business, which implies a new legal nexus.

不动产收益权质押作为一种新型金融业务，体现着新型的法律关系。

2.To borrow money on behalf of the Company, and to pledge, mortgage or hypothecate any of the property of the Company.

代表公司借进款项，以及质押、按揭、典质公司的任何财产。

3.There are three methods of construction guarantee:guarantee, hypothecate, earnest money, the bank guarantee will become the leading mode.

我国投标担保包括保证、质押和保证金三种模式，其中，保证担保应该是我国工程担保的主导模式。

4.A landowner who already holds land subject to a mortgage may wish to hypothecate his equity.

已经拥有被按揭抵押土地的所有人可能会希望抵押他的平衡法权益。

5.A landowner who already holds land subject to a mortgage may wish to hypothecate his equity.

已经拥有被按揭抵押土地的所有人可能会希望抵押他的衡平法权益。

6.We hypothecate that the decreasing of expression amount is related to the formation and metastasis of hepatic cancer.

认为这种降低可能跟肝癌的形成和转移有密切的关系。

7.There are three methods of construction guarantee:guarantee, hypothecate, earnest money, the bank guarantee will become the leading mode.

我国投标担保包括保证、质押和保证金三种模式，其中，保证担保应该是我国工程担保的主导模式。

8.It is an important way to hypothecate the debts with the right of trademark.

用商标的专有使用权作为债的担保是商标利用的一种重要方式。

9.In some countries, you can hypothecate your shares to secure a line of credit.

在一些国家，您可以抵押您的股票以获得信用额度。

10.The company may hypothecate its inventory to finance its operations.

公司可能会抵押其库存以融资运营。

11.The bank allowed the borrower to hypothecate their property as collateral for the loan.

银行允许借款人将其财产抵押作为贷款的担保。

12.She decided to hypothecate her investment portfolio to obtain funds for her new business.

她决定抵押她的投资组合以获得新业务的资金。

13.When you hypothecate an asset, you still retain ownership but use it as security.

当您抵押一个资产时，您仍然保留所有权，但将其用作担保。

作文

In the world of finance, the term hypothecate refers to a practice where a borrower pledges an asset as collateral for a loan without giving up ownership of that asset. This financial mechanism is commonly used in various transactions, particularly in real estate and secured lending. Understanding how hypothecate works can provide valuable insights into the complexities of borrowing and lending practices.When a person takes out a mortgage to purchase a home, they typically hypothecate the property to the lender. By doing so, the borrower guarantees that the lender has a claim on the property should they default on the loan. However, the borrower retains the right to live in and use the property while making payments. This arrangement benefits both parties: the lender has security for the loan, and the borrower can access funds to make a significant purchase.The process of hypothecate involves several steps. Initially, the borrower must apply for a loan and provide documentation regarding their financial status. The lender will assess the borrower's creditworthiness and the value of the asset being pledged. Once approved, the loan agreement will outline the terms, including interest rates, repayment schedules, and the conditions under which the lender can take possession of the asset.One of the primary advantages of hypothecate is that it allows individuals and businesses to leverage their assets to obtain financing. For instance, a business owner may hypothecate their inventory or equipment to secure a line of credit. This enables them to maintain operational liquidity while still retaining ownership of their assets. Additionally, hypothecate can facilitate larger loans than might be available through unsecured borrowing, as lenders are more willing to extend credit when they have collateral to back it up.However, there are risks associated with hypothecate. If the borrower fails to meet their obligations, the lender has the right to seize the pledged asset. This can lead to significant financial loss for the borrower, especially if the asset's value decreases or if they are unable to recover from the default. Therefore, it is crucial for borrowers to carefully consider their ability to repay before entering into a hypothecate agreement.Moreover, the concept of hypothecate can extend beyond traditional loans. In investment scenarios, investors may hypothecate their securities to brokerages to borrow funds for purchasing additional securities. This practice, known as margin trading, can amplify potential gains but also increases the risk of losses. Investors must be cautious and fully understand the implications of hypothecate in this context, as market fluctuations can quickly turn advantageous positions into liabilities.In summary, the term hypothecate plays a critical role in the financial landscape, allowing borrowers to secure loans while retaining ownership of their assets. It provides opportunities for leveraging assets to achieve financial goals, but it also carries inherent risks that must be managed. As financial markets continue to evolve, understanding the mechanisms of hypothecate will remain essential for anyone looking to navigate the complexities of borrowing and lending effectively. By grasping the nuances of this term, individuals can make informed decisions that align with their financial objectives.

在金融世界中，术语hypothecate指的是一种做法，其中借款人以资产作为贷款的抵押品，但不放弃对该资产的所有权。这种金融机制通常用于各种交易，特别是在房地产和担保贷款中。理解hypothecate的运作方式可以为借贷实践的复杂性提供有价值的见解。当一个人申请抵押贷款购买房屋时，他们通常会hypothecate该物业给贷方。通过这样做，借款人保证贷方在借款人违约时对该物业拥有索赔权。然而，借款人在还款期间仍保留居住和使用该物业的权利。这种安排对双方都有好处：贷方对贷款有了保障，借款人可以获得资金进行重大购买。hypothecate的过程涉及几个步骤。最初，借款人必须申请贷款并提供有关其财务状况的文件。贷方将评估借款人的信用worthiness及所抵押资产的价值。一旦批准，贷款协议将概述条款，包括利率、还款计划以及贷方可以占有资产的条件。hypothecate的主要优势之一是它允许个人和企业利用其资产获得融资。例如，企业主可能会hypothecate他们的库存或设备来获得信用额度。这使他们能够保持运营流动性，同时仍然保留对其资产的所有权。此外，hypothecate可以促进比无担保借款更大的贷款，因为贷方在有抵押品支持时更愿意提供信贷。然而，与hypothecate相关的风险也存在。如果借款人未能履行义务，贷方有权收回抵押的资产。这可能导致借款人遭受重大经济损失，尤其是当资产价值下降或他们无法从违约中恢复时。因此，借款人在签订hypothecate协议之前，仔细考虑自己的还款能力至关重要。此外，hypothecate的概念可以扩展到传统贷款之外。在投资场景中，投资者可能会hypothecate他们的证券给经纪公司，以借款用于购买额外的证券。这种做法被称为保证金交易，可以放大潜在收益，但也增加了损失的风险。投资者必须谨慎，并充分理解在这种情况下hypothecate的含义，因为市场波动可以迅速将有利位置转变为负债。总之，术语hypothecate在金融领域中发挥着关键作用，使借款人能够在保留资产所有权的同时获得贷款。它提供了利用资产实现财务目标的机会，但也带来了必须管理的固有风险。随着金融市场的不断发展，理解hypothecate的机制将对任何希望有效导航借贷复杂性的个人保持至关重要。通过掌握这一术语的细微差别，个人可以做出与其财务目标一致的明智决策。