refinance
简明释义
英[ˌriːˈfaɪnæns]美[ˌriːˈfaɪnæns]
vt. 再供……资金；再为……筹钱
第 三 人 称 单 数 r e f i n a n c e s
现 在 分 词 r e f i n a n c i n g
过 去 式 r e f i n a n c e d
过 去 分 词 r e f i n a n c e d
英英释义
To refinance means to replace an existing loan with a new loan, typically with better terms or interest rates. | 再融资是指用新的贷款替代现有贷款，通常是为了获得更好的条款或利率。 |
单词用法
再融资一笔贷款 | |
再融资选项 | |
再融资你的抵押贷款 | |
以更低的利率再融资 | |
房屋再融资 | |
学生贷款再融资 | |
现金提取再融资 | |
固定利率再融资 |
同义词
| 重组 | 我们需要重组贷款以降低利率。 | ||
| 重新谈判 | 公司决定重新谈判其债务条款。 | ||
| 再融资 | 再融资可以帮助减少每月支付。 | ||
| 重新安排 | They chose to reschedule their mortgage payments for better cash flow. | 他们选择重新安排抵押贷款支付以改善现金流。 |
反义词
| 违约 | The company went into default after failing to make its loan payments. | 该公司在未能偿还贷款后违约。 | |
| 没收 | If you don't pay your taxes, the government may forfeit your assets. | 如果你不交税，政府可能会没收你的资产。 |
例句
1.The new laws made it easier for households to refinance their mortgages and borrow against the value of their homes.
新法使得房主再融资更容易，以房屋价值抵押借款。
2.For many homeowners, there's an easier mortgage move: it's a great time to refinance, with rates near record lows.
对许多业主来说，还贷有窍门：在贷款利率接近历史最低点的时候，是最合适申请再融资的时候。
3.A loan was arranged to refinance existing debt.
一笔贷款被安排来偿还已有的债务。
4.Companies around the world have cashed in on lower interest rates to refinance their way out of trouble.
全世界的公司用低利率以现金再融资，使公司走出困境。
5.It used to be easy to buy and sell assets, and refinance debt.
过去，资产买卖和债务再融资相对容易。
6.Such mortgages have traditionally been almost impossible to refinance.
这种抵押贷款历来几乎不可能获得再融资。
7.Record low mortgage rates have lifted demand to refinance loans and buy homes.
低贷款利率拉动再融资贷款和买房需求。
8.It is designed to help borrowers refinance with the help of the Federal Housing Administration.
这一计划旨在通过联邦住房管理局(Federal Housing Administration)，帮助贷款者进行再融资。
9.Ms Lagarde suggested more aggressive schemes to reduce mortgage principal or help home-owners refinance at lower rates.
拉加德建议采取更为积极的方案来削减房贷本金或者帮助购房者以更低的利率再融资。
10.I decided to refinance my mortgage to get a lower interest rate.
我决定再融资我的抵押贷款，以获得更低的利率。
11.Many homeowners choose to refinance their loans when interest rates drop.
许多房主在利率下降时选择再融资他们的贷款。
12.It's important to understand the fees involved in refinancing your home.
了解与再融资你的房屋相关的费用是很重要的。
13.She was able to refinance her student loans and save money each month.
她能够再融资她的学生贷款，每个月节省开支。
14.By refinancing, he reduced his monthly payments significantly.
通过再融资，他显著减少了每月的还款额。
作文
In today's financial landscape, many individuals and families find themselves needing to manage their debts more effectively. One common strategy they employ is to refinance their loans. To refinance (再融资) means to replace an existing loan with a new one, often with better terms such as a lower interest rate or extended repayment period. This process can provide significant relief for borrowers who are struggling with high monthly payments or unfavorable loan conditions.When considering whether to refinance (再融资), it is essential to evaluate the current financial situation and future goals. For example, if a homeowner has a mortgage with a high-interest rate, they might look into refinancing (再融资) to take advantage of lower rates available in the market. By doing so, they could reduce their monthly mortgage payment, which can free up cash for other expenses or savings.Another reason to refinance (再融资) is to consolidate debt. Many people carry multiple debts, such as credit card balances, personal loans, and student loans. By refinancing (再融资) these debts into a single loan with a lower interest rate, borrowers can simplify their finances and potentially save money on interest payments over time. This approach not only makes it easier to manage payments but can also improve credit scores by reducing overall debt levels.However, it is crucial to understand that refinancing (再融资) is not always the best option for everyone. There are costs associated with the process, such as closing fees and appraisal costs, which can negate the potential savings from a lower interest rate. Borrowers should conduct a thorough cost-benefit analysis before proceeding with a refinance (再融资). This analysis includes calculating the break-even point, which is when the savings from the new loan surpass the costs incurred during the refinancing (再融资) process.Additionally, the impact of refinancing (再融资) on credit scores should be considered. While refinancing (再融资) can improve credit scores by decreasing credit utilization and diversifying credit types, the initial inquiry into a borrower’s credit can temporarily lower their score. Therefore, it is vital to approach refinancing (再融资) with a clear understanding of its short-term and long-term effects on one's financial health.In conclusion, refinancing (再融资) can be a powerful financial tool for managing debt and achieving financial stability. It offers opportunities to reduce monthly payments, consolidate debts, and improve overall financial health. However, individuals must carefully weigh the pros and cons, consider their unique circumstances, and ensure they are making informed decisions. With the right approach, refinancing (再融资) can lead to a brighter financial future.
在当今的金融环境中，许多个人和家庭发现自己需要更有效地管理债务。他们采用的一种常见策略是对贷款进行再融资。再融资意味着用新的贷款替换现有的贷款，通常会获得更好的条款，例如更低的利率或延长的还款期限。这个过程可以为那些在高额月供或不利贷款条件下挣扎的借款人提供显著的缓解。在考虑是否要再融资时，评估当前的财务状况和未来目标至关重要。例如，如果房主的抵押贷款利率较高，他们可能会考虑进行再融资，以利用市场上可用的较低利率。通过这样做，他们可以降低每月的抵押贷款支付，这可以腾出现金用于其他开支或储蓄。另一个再融资的原因是债务整合。许多人背负着多种债务，例如信用卡余额、个人贷款和学生贷款。通过将这些债务再融资为一笔利率较低的单一贷款，借款人可以简化财务并可能在利息支付上节省资金。这种方法不仅使管理付款变得更加容易，而且通过减少整体债务水平也可以改善信用评分。然而，必须理解的是，再融资并不总是适合每个人。这个过程涉及一些费用，例如过户费和评估费，这些费用可能会抵消由于较低利率而产生的潜在节省。在进行再融资之前，借款人应该进行全面的成本效益分析。这个分析包括计算盈亏平衡点，即新贷款的节省超过再融资过程中产生的费用的时刻。此外，再融资对信用评分的影响也应考虑在内。虽然再融资可以通过降低信用利用率和多样化信用类型来改善信用评分，但对借款人信用的初步查询可能会暂时降低其评分。因此，采取明确了解其短期和长期财务健康影响的方式进行再融资至关重要。总之，再融资可以成为管理债务和实现财务稳定的强大金融工具。它提供了降低月供、整合债务和改善整体财务健康的机会。然而，个人必须仔细权衡利弊，考虑自己的独特情况，并确保做出明智的决策。通过正确的方法，再融资可以引导更光明的财务未来。
