mortgage debenture

简明释义

有抵押公司债券

英英释义

例句

1.The bank issued a new mortgage debenture to finance the construction of residential properties.

银行发行了一种新的抵押债券以资助住宅物业的建设。

2.Investors are attracted to mortgage debentures because they provide a stable income stream.

投资者被抵押债券吸引，因为它们提供稳定的收入来源。

3.Before purchasing a mortgage debenture, it's important to assess the underlying property value.

在购买抵押债券之前，评估基础物业价值非常重要。

4.A mortgage debenture usually carries a fixed interest rate over its term.

一份抵押债券通常在其期限内带有固定利率。

5.The company raised funds through a mortgage debenture to expand its real estate portfolio.

公司通过抵押债券筹集资金以扩展其房地产投资组合。

作文

In the world of finance, various instruments are used to facilitate borrowing and lending. One such instrument is the mortgage debenture, which plays a significant role in the real estate market. Understanding what a mortgage debenture is can help individuals and businesses make informed decisions when it comes to financing properties.A mortgage debenture is essentially a type of debt security that is backed by the value of a mortgage. When a borrower takes out a loan to purchase property, they often secure that loan with the property itself. This means that if the borrower defaults on the loan, the lender has the right to take possession of the property to recover their losses. The mortgage debenture acts as a promise to repay the borrowed amount, and it is typically issued by companies or financial institutions that specialize in real estate financing.The appeal of mortgage debentures lies in their relatively low risk compared to other forms of investment. Since these debentures are secured by real estate, investors often feel more secure knowing that there is tangible collateral backing their investment. Additionally, the income generated from mortgage debentures can be attractive, as they often provide regular interest payments to investors.Investors looking for stable returns may find mortgage debentures appealing, especially in a fluctuating market. They can be particularly beneficial during times of economic uncertainty when traditional stocks and bonds may be more volatile. By investing in mortgage debentures, individuals can diversify their portfolios and reduce their overall risk.However, it is important to note that mortgage debentures are not without their risks. The primary risk stems from the potential for default by the borrower. If a borrower fails to make their mortgage payments, the value of the mortgage debenture may decrease, leading to potential losses for investors. Furthermore, the real estate market itself can be unpredictable. Economic downturns can lead to falling property values, which could further impact the performance of mortgage debentures.To mitigate these risks, investors should conduct thorough research before investing in mortgage debentures. This includes understanding the underlying properties, the creditworthiness of the borrowers, and the overall economic conditions. Additionally, diversifying investments across different types of mortgage debentures can help spread risk and enhance potential returns.In conclusion, a mortgage debenture is an important financial instrument that offers both opportunities and risks for investors. By understanding its mechanics and the factors that influence its performance, individuals and businesses can make better-informed decisions regarding their investments in real estate. As the market continues to evolve, staying educated about financial instruments like mortgage debentures will be essential for achieving long-term financial goals.

在金融世界中，各种工具被用来促进借贷。其中一种工具就是抵押债券，它在房地产市场中扮演着重要角色。理解抵押债券是什么，可以帮助个人和企业在融资物业时做出明智的决策。抵押债券本质上是一种由抵押价值支持的债务证券。当借款人贷款购买物业时，他们通常会用该物业作为贷款的担保。这意味着，如果借款人违约，贷款人有权占有该物业以弥补损失。抵押债券充当还款承诺，通常由专注于房地产融资的公司或金融机构发行。抵押债券的吸引力在于其与其他形式投资相比相对较低的风险。由于这些债券是以房地产为担保，投资者通常会感到更安全，因为他们知道有实物抵押品支持他们的投资。此外，来自抵押债券的收入可能具有吸引力，因为它们通常向投资者提供定期利息支付。寻找稳定回报的投资者可能会发现抵押债券很有吸引力，尤其是在波动的市场中。在经济不确定时期，它们可以特别有利，因为传统的股票和债券可能更加不稳定。通过投资于抵押债券，个人可以实现投资组合的多样化，降低整体风险。然而，值得注意的是，抵押债券并非没有风险。主要风险源于借款人违约的可能性。如果借款人未能按时偿还抵押贷款，抵押债券的价值可能会下降，导致投资者可能面临损失。此外，房地产市场本身可能是不可预测的。经济衰退可能导致房产价值下跌，这可能进一步影响抵押债券的表现。为了降低这些风险，投资者在投资抵押债券之前应进行彻底研究。这包括了解基础物业、借款人的信用状况以及整体经济条件。此外，在不同类型的抵押债券中进行投资多样化可以帮助分散风险并增强潜在回报。总之，抵押债券是一种重要的金融工具，为投资者提供了机会和风险。通过理解其机制及影响其表现的因素，个人和企业可以在房地产投资中做出更明智的决策。随着市场的不断发展，保持对像抵押债券这样的金融工具的教育将对实现长期财务目标至关重要。