mortgages

简明释义

英[ˈmɔːɡɪdʒɪz]美[ˈmɔrɡɪdʒɪz]

n. 抵押贷款；房屋贷款（mortgage 的复数）；财产贷款

v. [经]抵押（mortgage 的三单形式）

英英释义

单词用法

同义词

反义词

例句

1.These were called "sub-prime" mortgages.

这种贷款就被称为“次级贷款”。

2.Next topic, I want to talk about mortgages.

下一个话题是抵押贷款。

3.Subprime (2007) Subprime mortgages were another bubble to burst.

次贷(2007)次级抵押贷款是另一个破裂的泡沫。

4.We now have annuity mortgages.

我们现在有了年金抵押贷款。

5.Indices linked to risky mortgages remained near record lows.

按揭风险指数仍维持在历史最低点。

6.Mortgages are debts secured by property as collateral.

抵押贷款是以财产作为抵押的债务。

7.She decided to refinance her mortgages to take advantage of lower interest rates.

她决定重新融资她的抵押贷款以利用较低的利率。

8.Interest rates on mortgages can significantly affect monthly payments.

抵押贷款的利率可以显著影响每月的还款额。

9.Understanding the terms of mortgages is crucial before signing any contracts.

在签署任何合同之前，理解抵押贷款的条款至关重要。

10.Some banks offer special programs for first-time buyers with mortgages.

一些银行为首次购房者提供特别的抵押贷款项目。

11.Many families rely on mortgages to purchase their first home.

许多家庭依靠抵押贷款来购买他们的第一套房子。

作文

Understanding the concept of mortgages is essential for anyone looking to buy a home. A mortgage is a loan specifically used to purchase real estate, where the property itself serves as collateral. This means that if the borrower fails to make payments, the lender has the right to take possession of the property through a legal process known as foreclosure. In many countries, including the United States, mortgages are a common way for individuals to finance their homes, as the majority of people cannot afford to pay the full price upfront.The process of obtaining a mortgage involves several steps. First, potential buyers must assess their financial situation to determine how much they can afford. This includes evaluating income, debts, and credit scores. A higher credit score often leads to better interest rates on mortgages, making it crucial for buyers to maintain good credit.Once a buyer understands their budget, they can start shopping for mortgages. There are various types of mortgages, including fixed-rate and adjustable-rate options. Fixed-rate mortgages have an interest rate that remains constant throughout the life of the loan, while adjustable-rate mortgages may change based on market conditions, which can lead to lower initial payments but potentially higher costs in the long run.After selecting a type of mortgage, the buyer will need to apply for the loan. This process typically requires documentation such as proof of income, tax returns, and information about debts and assets. Lenders will evaluate this information to determine whether to approve the mortgage and what terms to offer.Once approved, buyers can move forward with the purchase of their home. It’s important to understand that taking out a mortgage is a long-term commitment, usually spanning 15 to 30 years. During this time, borrowers must make monthly payments that include both principal and interest, as well as property taxes and insurance.In addition to the financial commitment, owning a home also comes with responsibilities. Homeowners must maintain their property, pay for repairs, and ensure that they keep up with mortgage payments. Failing to do so can result in serious consequences, including foreclosure.In conclusion, mortgages play a vital role in the housing market and provide a pathway for many individuals to achieve homeownership. Understanding the intricacies of mortgages can help buyers make informed decisions, ultimately leading to a successful home-buying experience. As the real estate market continues to evolve, staying informed about mortgages and their implications will remain crucial for prospective homeowners.

理解抵押贷款的概念对任何想要买房的人来说都是至关重要的。抵押贷款是一种专门用于购买房地产的贷款，其中物业本身作为抵押。这意味着如果借款人未能按时还款，贷方有权通过法律程序收回该物业，这一过程称为止赎。在包括美国在内的许多国家，抵押贷款是个人融资购房的常见方式，因为大多数人无法一次性支付全款。获得抵押贷款的过程涉及几个步骤。首先，潜在买家必须评估自己的财务状况，以确定他们能够负担多少。这包括评估收入、债务和信用评分。更高的信用评分通常会导致更好的抵押贷款利率，因此买家维护良好的信用非常重要。一旦买家了解了自己的预算，他们就可以开始寻找抵押贷款。抵押贷款有多种类型，包括固定利率和可调利率选项。固定利率抵押贷款的利率在贷款期限内保持不变，而可调利率抵押贷款可能会根据市场条件变化，这可能导致较低的初始付款，但长期成本可能更高。选择了抵押贷款类型后，买家需要申请贷款。这个过程通常需要提供文件，例如收入证明、纳税申报表以及有关债务和资产的信息。贷方将评估这些信息以确定是否批准抵押贷款以及提供什么条款。获得批准后，买家可以继续购买他们的房屋。重要的是要理解，办理抵押贷款是一项长期承诺，通常持续15到30年。在此期间，借款人必须每月支付包括本金和利息在内的款项，以及财产税和保险。除了财务承诺外，拥有房屋还伴随着责任。房主必须维护其财产，支付维修费用，并确保按时偿还抵押贷款。未能做到这一点可能会导致严重后果，包括止赎。总之，抵押贷款在房地产市场中发挥着至关重要的作用，为许多人实现房屋拥有提供了途径。理解抵押贷款的复杂性可以帮助买家做出明智的决定，最终促成成功的购房体验。随着房地产市场的不断发展，保持对抵押贷款及其影响的了解仍然对未来的房主至关重要。