refinancing

简明释义

英[/ˌriːfaɪˈnænsɪŋ/]美[/ˌriːfaɪˈnænsɪŋ/]

n. 发行新债取代旧债；[金融] 重新募集资金

英英释义

单词用法

同义词

反义词

例句

1.Refinancing a home will be allowed only up to 80% of its value, down from 85%.

允许的房屋再融资的上限从房屋价值的85%降至只有80%。

2.Refinancing this at current yields (see chart) would be impossible.

如果以现行利率再融资已经不太现实。

3.If you're considering refinancing your home, you need to evaluate your current interest rate.

如果你考虑转你的家，你需要评估你的现行利率。

4.This is especially so if you are refinancing your home.

这尤其是如果你是你转回家。

5.But, you're asking yourself, Is refinancing worth my time and effort.

但是，你是你自己，再融资是值得我的时间和精力。

6.Prime Time for Refinancing Your Mortgage?

为你的抵押提供再融资，正当其时？

7.But, as interest rates rise, refinancing America's debt will become more costly.

然而，随着利率的增长，借新债还旧债的成本会越来越高。

8.She saved a significant amount of money by refinancing her home equity line of credit.

通过对她的房屋净值信用额度进行再融资，她节省了大量资金。

9.Before refinancing, it's essential to check your credit score.

在进行再融资之前，检查你的信用评分是至关重要的。

10.Many homeowners consider refinancing their mortgage to take advantage of lower interest rates.

许多房主考虑对他们的抵押贷款进行再融资以利用更低的利率。

11.After reviewing my financial situation, I decided that refinancing my student loans was a smart move.

在审查我的财务状况后，我决定对我的学生贷款进行再融资是一个明智的选择。

12.The bank offered a better deal for refinancing my car loan.

银行提供了一个更好的条件来进行我的汽车贷款的再融资。

作文

In today's financial landscape, many individuals and businesses find themselves in situations where managing debt becomes a complex task. One of the most effective strategies for alleviating financial burdens is through refinancing, which can significantly improve one's financial health. Refinancing refers to the process of replacing an existing loan with a new one, often with more favorable terms. This can involve changing the interest rate, the length of the loan, or even the type of loan altogether.For homeowners, refinancing can be particularly beneficial. For instance, if a homeowner initially secured a mortgage when interest rates were high, they may choose to refinance their mortgage when rates drop. By doing so, they could lower their monthly payments and save thousands of dollars over the life of the loan. Additionally, refinancing can allow homeowners to tap into their home’s equity, providing funds for renovations, debt consolidation, or other financial needs.Business owners also utilize refinancing to manage their finances effectively. A business might have taken out a loan to expand operations but later finds that the interest rate is no longer competitive. By refinancing this loan, the business can reduce its monthly expenses, allowing for better cash flow management. This is crucial for maintaining operations and investing in growth opportunities.However, it's important to note that refinancing is not always the right choice for everyone. There are costs associated with refinancing, such as closing costs, application fees, and potential penalties for paying off the original loan early. Therefore, individuals and businesses must carefully evaluate their financial situation and calculate whether the long-term savings from refinancing outweigh these upfront costs.Another aspect to consider is the impact of refinancing on credit scores. When a borrower applies for a new loan, a hard inquiry is made on their credit report, which can temporarily lower their credit score. However, if refinancing leads to lower debt-to-income ratios and more manageable payments, it can ultimately enhance a borrower's credit profile over time.In conclusion, refinancing offers a valuable tool for managing debt and improving financial stability. Whether for personal mortgages or business loans, the ability to secure better terms can lead to significant savings and improved cash flow. Nevertheless, careful consideration and financial planning are essential before proceeding with refinancing. By weighing the pros and cons, borrowers can make informed decisions that align with their long-term financial goals.

在当今的金融环境中，许多人和企业发现自己面临着管理债务的复杂任务。减轻财务负担的最有效策略之一就是通过再融资，这可以显著改善一个人的财务状况。再融资是指用新的贷款替代现有贷款的过程，通常会带来更有利的条款。这可能涉及改变利率、贷款期限，甚至完全更改贷款类型。对于房主来说，再融资尤其有利。例如，如果房主在利率较高时获得了抵押贷款，他们可能会选择在利率下降时进行再融资。通过这样做，他们可以降低每月还款额，并在贷款的生命周期内节省数千美元。此外，再融资还可以让房主利用他们的房屋净值，为装修、债务合并或其他财务需求提供资金。企业主也利用再融资来有效管理财务。一家企业可能为扩展业务而申请了贷款，但后来发现利率不再具有竞争力。通过再融资这笔贷款，该企业可以减少每月开支，从而改善现金流管理。这对维持运营和投资增长机会至关重要。然而，重要的是要注意，再融资并不总是适合每个人。与再融资相关的成本，如交易费用、申请费以及提前偿还原贷款的潜在罚款。因此，个人和企业必须仔细评估自己的财务状况，并计算再融资所带来的长期节省是否超过这些前期成本。另一个需要考虑的方面是再融资对信用评分的影响。当借款人申请新贷款时，会对其信用报告进行硬查询，这可能会暂时降低其信用评分。然而，如果再融资导致较低的债务收入比和更可管理的付款，最终可以随着时间的推移增强借款人的信用状况。总之，再融资为管理债务和改善财务稳定性提供了宝贵的工具。无论是个人抵押贷款还是商业贷款，获得更好条款的能力都可以带来显著的节省和改善的现金流。然而，在进行再融资之前，仔细考虑和财务规划是至关重要的。通过权衡利弊，借款人可以做出符合其长期财务目标的明智决策。