mortgagor

简明释义

英[ˈmɔːɡɪdʒɔː(r)]美[ˈmɔːrɡɪdʒɔːr]

n. 抵押人（等于 mortgager）

英英释义

单词用法

同义词

反义词

例句

1.The obligor or the mortgagor is declared bankrupt or is revoked;

债务人、抵押人被宣告破产或者被撤销；

2.The debtor whose property is subject to the mortgage is called the mortgagor.

其财产被按揭抵押的债务人被称为抵押人。

3.In case the ship is not insured, the mortgagee has the right to place the ship under insurance coverage and the mortgagor shall pay for the premium thereof.

未保险的，抵押权人有权对该船舶进行保险，保险费由抵押人负担。

4.If the proceeds exceed the claim, the balance shall belong to the mortgagor; if the proceeds do not cover the claim, the difference shall be paid by the debtor.

超过债权数额的部分，归抵押人所有，不足部分由债务人清偿。

5.After you made a purchase, mail a notice to the mortgagor informing him of the change of ownership in his mortgage.

投资人购买抵押物之后，务必邮寄相关信息告知抵押人，让其明白其抵押物的所有权发生了改变。

6.Article 49: a written mortgage contract shall be signed between a mortgagor and a mortgagee for the mortgage of real property.

第四十九条房地产抵押，抵押人和抵押权人应当签订书面抵押合同。

7.The mortgagor must provide a down payment to secure the mortgage loan.

为了确保抵押贷款，抵押人必须提供首付款。

8.The mortgagor signed the loan agreement to secure funding for their new home.

这位抵押人签署了贷款协议，以获得新房的资金。

9.As a mortgagor, you have the responsibility to make timely payments on your mortgage.

作为一名抵押人，您有责任按时支付抵押贷款。

10.The lender requires proof of income from the mortgagor before approving the mortgage.

贷方在批准抵押贷款之前需要抵押人提供收入证明。

11.If the mortgagor defaults on the loan, the bank has the right to foreclose on the property.

如果抵押人违约，银行有权对该物业进行止赎。

作文

In the world of finance and real estate, understanding the various roles and terms involved in property transactions is crucial for anyone looking to buy or sell a home. One such term that often comes up in these discussions is mortgagor. A mortgagor is an individual or entity that borrows money from a lender, typically a bank or financial institution, to purchase real estate. In exchange for the loan, the mortgagor offers the property as collateral, which means that if they fail to repay the loan, the lender has the right to take possession of the property through a legal process known as foreclosure.To better understand the role of a mortgagor, it is essential to look at the mortgage process itself. When a person decides to buy a home, they usually do not have the full amount of cash available to make the purchase outright. Instead, they may seek a mortgage, which is a type of loan specifically designed for real estate transactions. The lender will evaluate the mortgagor's creditworthiness, income, and other financial factors before approving the loan.Once the loan is approved, the mortgagor signs a mortgage agreement that outlines the terms of the loan, including the interest rate, repayment schedule, and any penalties for late payments. This contract is legally binding, and it protects the lender's investment by ensuring they can reclaim the property if the mortgagor defaults on the loan.The relationship between a mortgagor and lender is built on trust and mutual benefit. The mortgagor gains access to funds necessary to purchase a home, while the lender earns interest on the loan, making it a profitable venture. However, the responsibilities of a mortgagor extend beyond merely making monthly payments. They must also maintain the property and ensure that it remains in good condition, as the value of the collateral is crucial for both parties.In some cases, mortgagors may face financial difficulties that hinder their ability to make timely payments. This situation can lead to serious consequences, including foreclosure, which can severely impact a mortgagor's credit score and future borrowing potential. It is vital for mortgagors to communicate with their lenders if they anticipate difficulties, as many lenders offer options such as loan modifications or forbearance plans to help borrowers navigate tough times.Moreover, understanding the rights and responsibilities of a mortgagor is essential. For instance, mortgagors have the right to receive clear information about their loan terms and to be treated fairly by the lender. They also have the option to refinance their mortgage if they find better rates or terms, which can be a beneficial strategy for managing debt over time.In conclusion, the term mortgagor refers to a borrower in a mortgage agreement who pledges their property as collateral for a loan. Understanding this role is essential for anyone entering the housing market, as it encompasses a range of responsibilities and potential consequences. By being informed about what it means to be a mortgagor, individuals can make better financial decisions and navigate the complexities of homeownership with greater confidence.

在金融和房地产的世界中，理解与物业交易相关的各种角色和术语对于任何希望购买或出售房屋的人来说都是至关重要的。在这些讨论中，一个经常出现的术语是mortgagor。mortgagor是一个借款人，通常是个人或实体，他们向贷款人（通常是银行或金融机构）借钱以购买房地产。作为贷款的交换，mortgagor将物业作为抵押，这意味着如果他们未能偿还贷款，贷款人有权通过法律程序（称为止赎）获得该物业的所有权。要更好地理解mortgagor的角色，必须了解抵押贷款过程本身。当一个人决定购买房屋时，他们通常没有足够的现金可用来全额购买。相反，他们可能会寻求抵押贷款，这是一种专门为房地产交易设计的贷款类型。贷款人将评估mortgagor的信用worthiness、收入和其他财务因素，然后批准贷款。一旦贷款获得批准，mortgagor就会签署一份抵押贷款协议，概述贷款的条款，包括利率、还款计划以及逾期付款的任何处罚。该合同具有法律约束力，它通过确保贷款人可以在mortgagor违约时收回财产来保护贷款人的投资。mortgagor与贷款人之间的关系建立在信任和互利的基础上。mortgagor获得了购买房屋所需的资金，而贷款人则通过贷款赚取利息，使其成为一项有利可图的投资。然而，mortgagor的责任不仅仅是按时还款。他们还必须维护物业，确保其保持良好状态，因为抵押品的价值对双方都至关重要。在某些情况下，mortgagors可能会面临财务困难，从而妨碍他们按时付款。这种情况可能导致严重后果，包括止赎，这可能会严重影响mortgagor的信用评分和未来的借款潜力。如果mortgagor预计会遇到困难，与贷款人沟通至关重要，因为许多贷款人提供选项，例如贷款修改或宽限计划，以帮助借款人在困难时期应对。此外，理解mortgagor的权利和责任也至关重要。例如，mortgagors有权获得有关其贷款条款的清晰信息，并且应公平对待。他们也可以选择在发现更好的利率或条款时重新融资，如果这是一种有利的管理债务的策略。总之，术语mortgagor指的是抵押贷款协议中的借款人，承诺将其财产作为贷款的抵押。理解这一角色对于任何进入住房市场的人来说都是至关重要的，因为它涵盖了一系列责任和潜在后果。通过了解作为mortgagor的意义，个人可以做出更好的财务决策，并更自信地应对房屋拥有的复杂性。