loans

简明释义

英[ləʊnz]美[loʊnz]

n. [金融]贷款（loan 的复数形式）；借贷

英英释义

单词用法

同义词

反义词

例句

1.Copenhagen covered 30% of investment costs, and guaranteed loans for large turbine exporters such as Vestas.

哥本哈根付出了30%的投资成本，并为维斯塔斯等大型涡轮机出口商提供了贷款担保。

2.We should continue to waive fees, increase guarantees, and expand the size of SBA-backed loans for small businesses.

我们应该继续减免费用、提高保障，扩大小型企业管理局提供的小企业贷款规模。

3.He predicts high failure rates for smaller regional banks in 2010 as commercial real estate loans come due.

他预计，随着商业房地产贷款到期，2010年规模较小的地区性银行的失败率会很高。

4.Many people use personal assets as collateral for small business loans.

许多人用个人资产作抵押，办理小额商业贷款。

5.Bills of exchange contributed to the development of banks, as exchangers began to provide loans.

随着交易者开始提供贷款，汇票促进了银行的发展。

6.It was granted a monopoly on joint-stock banking by Parliament in return for giving war loans to the government.

作为向政府银行提供战争贷款的回报，议会授予它对股份制银行的垄断地位。

7.If taxpayers are to bear the cost of forgiving student loans, shouldn't they have a say in how their money is used?

如果由纳税人来承担减免学生的贷款费用，难道他们不该对自己的钱如何使用拥有发言权吗？

8.Japan's banks are in trouble because of bad loans and the stock market plunge.

日本各家银行处于困境，缘于不良贷款以及股市的暴跌。

9.Many students rely on loans to finance their education.

许多学生依靠贷款来资助他们的教育。

10.The bank offers various types of loans for home purchases.

银行提供多种类型的贷款用于购房。

11.They took out several loans to start their business.

他们申请了几笔贷款来创业。

12.The government provides student loans at low interest rates.

政府以低利率提供学生贷款。

13.She is struggling to pay off her personal loans.

她正在努力偿还她的个人贷款。

作文

In today's world, the concept of loans (贷款) has become an integral part of the financial landscape. People often seek loans (贷款) for various reasons, from purchasing a home to funding education or starting a business. Understanding how loans (贷款) work is crucial for anyone looking to navigate the complexities of personal finance.Firstly, it is important to recognize the different types of loans (贷款) available in the market. There are secured and unsecured loans (贷款). A secured loan (贷款) requires collateral, such as a house or car, which the lender can claim if the borrower fails to repay. On the other hand, unsecured loans (贷款) do not require collateral but typically come with higher interest rates due to the increased risk for lenders.Another common type of loan (贷款) is a student loan (贷款), which is specifically designed to help students pay for their education. These loans (贷款) often have lower interest rates and flexible repayment options, making them an attractive choice for many young adults. However, it is essential for borrowers to understand the long-term impact of student loans (贷款) on their financial future, as they can lead to significant debt if not managed wisely.When applying for a loan (贷款), lenders consider various factors, including credit score, income, and debt-to-income ratio. A good credit score can significantly improve one’s chances of securing a loan (贷款) at a favorable interest rate. It is advisable for individuals to check their credit reports regularly and take steps to improve their credit scores before applying for any loans (贷款).The process of obtaining a loan (贷款) can vary depending on the lender and the type of loan (贷款) being sought. Generally, the borrower must fill out an application form, provide necessary documentation, and undergo a credit check. Once approved, the funds are disbursed, and the borrower must begin making repayments according to the agreed-upon schedule.Repayment terms for loans (贷款) can differ widely. Some loans (贷款) may have fixed interest rates, while others may have variable rates that can change over time. Borrowers should carefully review the terms of their loan (贷款) agreement to understand their obligations and avoid any surprises down the line. Missing payments can lead to penalties, increased interest rates, and damage to one’s credit score.In conclusion, loans (贷款) play a vital role in helping individuals achieve their financial goals. Whether it is buying a home, financing education, or starting a business, understanding the different types of loans (贷款), their terms, and the implications of borrowing is essential. By approaching loans (贷款) with knowledge and caution, individuals can make informed decisions that will benefit their financial well-being in the long run.

在当今世界，贷款的概念已成为金融环境中不可或缺的一部分。人们通常寻求贷款以满足各种需求，从购买房屋到资助教育或创业。了解贷款的运作方式对任何希望驾驭个人财务复杂性的人来说都至关重要。首先，重要的是要认识到市场上可用的不同类型的贷款。有担保和无担保的贷款。担保贷款需要抵押品，例如房屋或汽车，如果借款人未能偿还，贷方可以索取。另一方面，无担保贷款不需要抵押品，但由于对贷方的风险增加，通常会有更高的利率。另一种常见的贷款是学生贷款，专门用于帮助学生支付学费。这些贷款通常具有较低的利率和灵活的还款选项，使其成为许多年轻人的吸引选择。然而，借款人必须理解学生贷款对其财务未来的长期影响，因为如果管理不当，可能会导致重大债务。在申请贷款时，贷方会考虑各种因素，包括信用评分、收入和债务与收入比率。良好的信用评分可以显著提高获得贷款的机会，并享受有利的利率。建议个人定期检查他们的信用报告，并在申请任何贷款之前采取措施提高他们的信用评分。获得贷款的过程可能因贷方和所寻求的贷款类型而异。一般来说，借款人必须填写申请表，提供必要的文件，并进行信用检查。一旦获得批准，资金将被发放，借款人必须根据商定的时间表开始还款。贷款的还款条款可能差异很大。一些贷款可能有固定利率，而其他可能有随时间变化的浮动利率。借款人应仔细审查其贷款协议的条款，以了解其义务并避免今后出现任何意外。错过付款可能会导致罚款、利率上升以及对信用评分的损害。总之，贷款在帮助个人实现财务目标方面发挥着至关重要的作用。无论是购买房屋、融资教育还是创业，了解不同类型的贷款、其条款以及借款的影响都是必不可少的。通过以知识和谨慎的态度对待贷款，个人可以做出明智的决策，从而在长期内使其财务状况受益。