down payment

简明释义

定金

英英释义

例句

1.He offered to pay a larger down payment 首付款 to lower his monthly payments.

他愿意支付更高的首付款以降低每月的还款额。

2.The down payment 首付款 is due at the time of signing the purchase agreement.

在签署购房协议时，首付款到期。

3.The bank requires a 20% down payment 首付款 for the mortgage.

银行要求按揭贷款的首付款为20%。

4.I need to save more money for the down payment 首付款 on my new house.

我需要存更多的钱来支付我新房子的首付款。

5.After making the down payment 首付款, I can move into my apartment next month.

在支付了首付款后，我下个月可以搬进我的公寓。

作文

Understanding the concept of a down payment is crucial for anyone looking to buy a home or make a significant purchase. A down payment is an initial upfront payment made when purchasing a large item, such as a house or a car. This payment is often expressed as a percentage of the total purchase price and serves several important purposes in the buying process.When it comes to real estate, the down payment typically ranges from 3% to 20% of the home's purchase price. For instance, if someone is buying a house worth $300,000 and makes a down payment of 10%, they would pay $30,000 upfront. This amount is deducted from the total cost of the home, meaning the buyer would need to finance the remaining $270,000 through a mortgage.One of the primary reasons buyers are required to make a down payment is to demonstrate their commitment to the purchase. It shows lenders that the buyer has a vested interest in the property and is less likely to default on the loan. Additionally, a larger down payment can lead to better mortgage terms, such as lower interest rates and reduced monthly payments. Lenders perceive borrowers who can provide a substantial down payment as lower risk, which can translate into financial savings over time.Moreover, making a larger down payment can also help buyers avoid private mortgage insurance (PMI). PMI is often required by lenders when the buyer puts down less than 20%. This insurance protects the lender in case the borrower defaults on the loan. By providing a sufficient down payment, buyers can save themselves from this additional cost, which can be a significant monthly expense.However, it's essential for potential buyers to balance the size of their down payment with their overall financial situation. While putting down a large sum may seem advantageous, it can deplete savings that could be used for other important expenses, such as closing costs, moving expenses, or emergency funds. Buyers should carefully consider how much they can afford to put down without compromising their financial stability.In conclusion, the down payment plays a vital role in the home-buying process. It not only impacts the affordability of a mortgage but also influences the terms of the loan and the buyer's financial health. Understanding the implications of a down payment can help prospective homeowners make informed decisions about their purchases. Whether one opts for a smaller or larger down payment, the key is to ensure it aligns with their long-term financial goals and capabilities.

理解首付款的概念对于任何希望购买房屋或进行重大采购的人来说都是至关重要的。首付款是指在购买大型物品（如房屋或汽车）时支付的初始预付款。这个付款通常以总购买价格的百分比表示，并在购买过程中发挥几个重要作用。在房地产方面，首付款通常占房屋购买价格的3%到20%。例如，如果某人购买一套价值30万美元的房子，并支付10%的首付款，那么他们将支付3万美元的预付款。这笔款项将从房屋的总成本中扣除，这意味着买家需要通过抵押贷款融资剩余的27万美元。买家被要求支付首付款的主要原因之一是为了证明他们对购买的承诺。这向贷款人表明，买家对该物业有切身利益，因此不太可能违约。此外，较大的首付款可以导致更好的抵押贷款条款，例如更低的利率和减少的月供。贷款人将能够提供大量首付款的借款人视为风险较低，这可能在长期内转化为经济节省。此外，支付较大首付款也可以帮助买家避免私人抵押贷款保险（PMI）。当买家支付少于20%的首付款时，贷款人通常会要求PMI。这种保险保护贷款人在借款人违约的情况下。通过提供足够的首付款，买家可以免于这一额外费用，这可能是一项重要的月度支出。然而，潜在买家必须平衡其首付款的大小与整体财务状况。虽然支付大额款项似乎有利，但这可能会耗尽本可用于其他重要开支的储蓄，例如交易费用、搬家费用或应急基金。买家应仔细考虑自己能够支付多少，以免影响其财务稳定。总之，首付款在购房过程中发挥着至关重要的作用。它不仅影响抵押贷款的可负担性，还影响贷款条款和买家的财务健康。了解首付款的含义可以帮助潜在的房主做出明智的购买决定。无论选择较小还是较大的首付款，关键是确保其与长期财务目标和能力相一致。