mortgagee

简明释义

英[ˌmɔːɡɪˈdʒiː]美[ˌmɔːrɡɪˈdʒiː]

n. [会计] 承受抵押人；押入者贷款人

英英释义

单词用法

同义词

反义词

例句

1.When the debtor does not fulfill the debt, the mortgagee is authorized the real estate auction obtained cost which mortgages legally first to receive recompenses.

当债务人不履行债务时，抵押权人有权依法以抵押的房地产拍卖所得的价款优先受偿。

2.The mortgagee becomes the proprietor of the land.

抵押权人成为土地所有人。

3.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。

4.A specific kind of mortgage. Contains a clause that states that it secures all debts owed to the mortgagee by the mortgagor and applies to rules of the mortgage to all such debts.

一种特殊的房屋贷款，包含一项条款，声明抵押贷款者保证该房屋贷款的债务得到清偿，而且该房屋贷款的种种规定适用于所有这类债务。

5.Losses suffered by the mortgagee as a result thereof shall be compensated by the mortgagor.

承押人因此所受的损失由抵押人赔偿。

6.The second part is about the foreign mortgagee the protection of the interests of the floating system.

第二部分，国外有关保护浮动抵押权人利益的制度。

7.Article 17 Once a mortgage is established on a civil aircraft, the ownership of the mortgaged civil aircraft shall not be transferred without the consent of the mortgagee.

第十七条民用航空器抵押权设定后，未经抵押权人同意，抵押人不得将被抵押民用航空器转让他人。

8.The real estate mortgage means that the mortgagor uses his real estate without transferring the way of occupancy to provide guarantee of obligation for his mortgagee.

房地产抵押，是指抵押人以其合法的房地产以不转移占有的方式向抵押权人提供债务履行担保的行为。

9.Following the assignment of mortgage rights, the original mortgagee shall inform the mortgagor of the circumstances.

抵押权转让后，原抵押权人应当告知抵押人。

10.Before signing, make sure you understand the terms set by the mortgagee.

在签署之前，请确保你理解抵押权人所设定的条款。

11.If you default on your payments, the mortgagee has the right to foreclose.

如果你未能按时还款，抵押权人有权进行止赎。

12.The mortgagee requires a down payment of at least 20%.

抵押权人要求至少支付20%的首付款。

13.The bank acted as the mortgagee in the home loan agreement.

银行在购房贷款协议中充当抵押权人。

14.In case of bankruptcy, the rights of the mortgagee are prioritized.

在破产的情况下，抵押权人的权利优先得到保障。

作文

A mortgage is a common financial instrument used by individuals and businesses to purchase real estate. It allows borrowers to acquire property without having to pay the full price upfront. In this arrangement, there are typically two main parties involved: the borrower, who is often referred to as the mortgagor, and the lender, known as the mortgagee. Understanding the roles of both parties is crucial for anyone considering entering into a mortgage agreement.The mortgagee is the entity that lends money to the borrower to purchase the property. This can be a bank, credit union, or other financial institution. The mortgagee holds a legal interest in the property until the loan is fully repaid. This means that if the borrower defaults on the loan, the mortgagee has the right to take possession of the property through a legal process known as foreclosure. This security interest is what makes mortgages a popular choice for lenders, as it minimizes their risk.For the borrower, understanding the implications of taking out a mortgage is essential. When a person decides to finance a home, they enter into a contract with the mortgagee that outlines the terms of the loan, including the interest rate, repayment schedule, and any penalties for late payments. Borrowers must also consider additional costs associated with homeownership, such as property taxes, insurance, and maintenance expenses.One important aspect of the relationship between the borrower and the mortgagee is the concept of equity. Equity refers to the difference between the market value of the property and the remaining balance on the mortgage. As the borrower makes payments, they build equity in the home. This equity can be a valuable asset, as it can be leveraged for future loans or can increase the borrower's net worth.It is also vital for borrowers to maintain clear communication with their mortgagee. If financial difficulties arise, reaching out to the lender early can lead to potential solutions, such as loan modifications or forbearance agreements. Lenders often prefer to work with borrowers to find a solution rather than going through the lengthy and costly foreclosure process.In conclusion, the role of the mortgagee is fundamental in the real estate market. They provide the necessary funds for borrowers to purchase homes while also protecting their investment through legal rights over the property. For anyone looking to buy a home, understanding the dynamics of this relationship is crucial. A mortgage is not just a loan; it is a long-term commitment that requires careful consideration and planning. Therefore, potential borrowers should educate themselves about the responsibilities that come with obtaining a mortgage and ensure they choose a reputable mortgagee who aligns with their financial goals. By doing so, they can navigate the complexities of home buying with greater confidence and security.

抵押贷款是个人和企业购买房地产时常用的金融工具。它允许借款人在不必提前支付全款的情况下获得财产。在这种安排中，通常涉及两个主要方：借款人，通常称为抵押人，以及贷方，称为抵押权人。理解这两个角色对于任何考虑签订抵押贷款协议的人来说都是至关重要的。抵押权人是向借款人提供资金以购买房产的实体。这可以是银行、信用合作社或其他金融机构。抵押权人在借款人完全偿还贷款之前持有该物业的法律权益。这意味着，如果借款人违约，抵押权人有权通过法律程序获取该物业，这一过程称为止赎。这种担保权益使得抵押贷款成为贷方的热门选择，因为它最小化了他们的风险。对于借款人来说，理解贷款的影响至关重要。当一个人决定为购房融资时，他们与抵押权人签订的合同中列出了贷款的条款，包括利率、还款计划以及逾期付款的罚款。借款人还必须考虑与房屋所有权相关的额外费用，如财产税、保险和维护费用。借款人与抵押权人之间关系的一个重要方面是资本概念。资本是指物业市场价值与抵押贷款剩余余额之间的差额。随着借款人进行还款，他们在房屋中建立资本。这项资本可以成为有价值的资产，因为它可以用于未来的贷款或增加借款人的净资产。借款人维持与抵押权人之间的清晰沟通也至关重要。如果财务困难出现，及早联系贷方可以导致潜在解决方案，例如贷款修改或宽限协议。贷方通常更愿意与借款人合作寻找解决方案，而不是经历漫长且昂贵的止赎过程。总之，抵押权人的角色在房地产市场中是基础性的。他们为借款人提供必要的资金以购买住房，同时通过对财产的法律权利保护他们的投资。对于任何希望购买房屋的人来说，理解这种关系的动态是至关重要的。抵押贷款不仅仅是一笔贷款；它是一项长期承诺，需要仔细考虑和规划。因此，潜在借款人应当了解获得抵押贷款所带来的责任，并确保选择一家与其财务目标一致的信誉良好的抵押权人。通过这样做，他们可以以更大的信心和安全性来驾驭购房的复杂性。