mortgage

简明释义

英[ˈmɔːɡɪdʒ]美[ˈmɔːrɡɪdʒ]

n. 按揭，抵押贷款；抵押贷款额

v. 抵押；（为眼前好处）使承受（未来）风险

复 数 m o r t g a g e s

第 三 人 称 单 数 m o r t g a g e s

现 在 分 词 m o r t g a g i n g

过 去 式 m o r t g a g e d

过 去 分 词 m o r t g a g e d

英英释义

单词用法

同义词

反义词

例句

1.Today a similar mortgage would claim more than twice that share of his monthly earnings.

如今类似的抵押贷款要花掉他每月收入的两倍多。

2.Often there'll be a car loan and perhaps a mortgage, but credit cards often seem to be the gateway to debt-related financial difficulties for many.

人们大多背负着车贷，或许还有房贷，但对许多人来说信用卡往往才是导致债务困难的原因。

3.They should not overextend themselves on the mortgage.

他们不应该用抵押借款过多。

4.They had to mortgage their home to pay the bills.

他们不得不抵押他们的房子来还账。

5.We're having difficulty keeping up our mortgage payments.

我们难以继续偿还按揭贷款。

6.The bank foreclosed on the mortgage for his previous home.

银行取消了他先前住房的抵押赎回权。

7.Thousands of its customers are behind with loans and mortgage repayments.

其数千客户未按时支付贷款和按揭款。

8.The bank offered me a low interest rate on my mortgage.

银行给我提供了一个低利率的抵押贷款。

9.Your mortgage payment includes both principal and interest.

你的抵押贷款付款包括本金和利息。

10.She was worried that she wouldn't qualify for a mortgage due to her credit score.

她担心由于信用评分不佳，她无法获得抵押贷款资格。

11.After years of saving, he finally paid off his mortgage.

经过多年的储蓄，他终于还清了他的抵押贷款。

12.I need to apply for a mortgage to buy my first home.

我需要申请一个抵押贷款来购买我的第一套房子。

作文

A mortgage is a financial agreement that allows individuals to purchase a home or property by borrowing money from a lender. In this arrangement, the borrower pledges the property as collateral for the loan, which means that if they fail to make payments, the lender has the right to take possession of the property. Understanding the concept of mortgage (抵押贷款) is crucial for anyone looking to buy a home, as it affects not only their financial situation but also their long-term investment strategy.When considering a mortgage (抵押贷款), there are several key factors to keep in mind. First, the interest rate on the loan can significantly impact the overall cost of the home. Lenders offer different types of interest rates, including fixed and variable rates. A fixed-rate mortgage (抵押贷款) means that the interest rate remains the same throughout the life of the loan, providing stability in monthly payments. On the other hand, a variable-rate mortgage (抵押贷款) may start with a lower rate but can increase over time, leading to higher payments in the future.Another important aspect of a mortgage (抵押贷款) is the term length. Most mortgages (抵押贷款) have terms of 15, 20, or 30 years. A shorter term typically means higher monthly payments but less interest paid over the life of the loan. Conversely, a longer term results in lower monthly payments but more interest in total. Buyers must carefully consider their financial situation and future plans when deciding on the length of their mortgage (抵押贷款).Additionally, potential homeowners should be aware of the various fees associated with obtaining a mortgage (抵押贷款). These can include closing costs, appraisal fees, and private mortgage insurance (PMI) if the down payment is less than 20%. Understanding these costs is essential for budgeting and ensuring that one can afford the mortgage (抵押贷款) payments in addition to other living expenses.It's also vital to shop around for the best mortgage (抵押贷款) rates and terms. Different lenders may offer varying rates and conditions, so comparing options can lead to significant savings over time. Online tools and calculators can help prospective buyers estimate their monthly payments based on different mortgage (抵押贷款) amounts and interest rates, making it easier to find an affordable option.In conclusion, understanding a mortgage (抵押贷款) is essential for anyone looking to buy a home. It involves not only the loan amount and interest rate but also the term length, associated fees, and the importance of comparing lenders. By taking the time to educate oneself about the mortgage (抵押贷款) process, potential homeowners can make informed decisions that will benefit them in the long run. A well-managed mortgage (抵押贷款) can be a powerful tool for building wealth and achieving the dream of homeownership.

抵押贷款是一个金融协议，允许个人通过向贷方借款来购买房屋或财产。在这种安排中，借款人将财产作为贷款的担保，这意味着如果他们未能按时还款，贷方有权占有该财产。理解mortgage（抵押贷款）的概念对任何希望买房的人来说都是至关重要的，因为它不仅影响他们的财务状况，还影响他们的长期投资策略。在考虑mortgage（抵押贷款）时，有几个关键因素需要牢记。首先，贷款的利率可以显著影响房屋的整体成本。贷方提供不同类型的利率，包括固定利率和可变利率。固定利率的mortgage（抵押贷款）意味着利率在贷款的整个期限内保持不变，从而提供每月付款的稳定性。另一方面，可变利率的mortgage（抵押贷款）可能以较低的利率开始，但随着时间的推移可能会增加，导致未来的付款更高。mortgage（抵押贷款）的另一个重要方面是期限长度。大多数mortgages（抵押贷款）的期限为15年、20年或30年。较短的期限通常意味着每月付款较高，但在贷款的生命周期中支付的利息较少。相反，较长的期限导致每月付款较低，但总的利息更多。买家在决定mortgage（抵押贷款）长度时必须仔细考虑自己的财务状况和未来计划。此外，潜在的房主应意识到获得mortgage（抵押贷款）所涉及的各种费用。这些费用可能包括交易费用、评估费用，以及如果首付少于20%则需要的私人抵押贷款保险（PMI）。了解这些费用对于预算和确保能够承担mortgage（抵押贷款）付款以及其他生活开支至关重要。同样，比较不同贷方的最佳mortgage（抵押贷款）利率和条款也非常重要。不同的贷方可能提供不同的利率和条件，因此比较选项可以带来显著的节省。在线工具和计算器可以帮助潜在买家根据不同的mortgage（抵押贷款）金额和利率估算每月付款，使找到负担得起的选项变得更容易。总之，理解mortgage（抵押贷款）对任何希望购买房屋的人来说都是必不可少的。它不仅涉及贷款金额和利率，还涉及期限长度、相关费用和比较贷方的重要性。通过花时间了解mortgage（抵押贷款）过程，潜在的房主可以做出明智的决定，从而使他们在长期内受益。管理良好的mortgage（抵押贷款）可以成为建立财富和实现拥有住房梦想的强大工具。