Home Equity

定义
Home equity（房屋净值）是指房屋市场价值与贷款余额之间的差额。简单来说，就是房主拥有的房屋部分所有权。房屋净值会随着房屋价值的上涨或贷款的减少而增加。

音标
[ həʊm ˈekwɪti ]

翻译
房屋净值；住房产权

读音
/hoʊm ˈɛkwɪti/

用法
Home equity 是金融和房地产领域常用的术语。它是贷款者获得贷款或信用额度时所能利用的房产价值。

例句

The homeowner decided to borrow against their home equity to pay for renovations.

As the house value increased, so did his home equity.

With a low mortgage balance, she has significant home equity.

Home equity lines of credit allow homeowners to borrow money against their home's value.

Many homeowners use home equity loans for debt consolidation.

The value of home equity can fluctuate with the real estate market.

After several years of paying down the mortgage, his home equity had grown considerably.

She used her home equity to fund her children's college education.

A strong home equity can improve your chances of securing a lower-interest loan.

The bank offered him a home equity loan with a competitive interest rate.

短语搭配

Home equity loan（房屋净值贷款）

Home equity line of credit（房屋净值信用额度）

Build home equity（建立房屋净值）

Tap into home equity（动用房屋净值）

Increase home equity（增加房屋净值）

Home equity interest rates（房屋净值利率）

Home equity value（房屋净值价值）

Home equity refinance（房屋净值再融资）

Positive home equity（正向房屋净值）

Negative home equity（负向房屋净值）

通过这些短语和例句可以看出，房屋净值在金融规划、房屋贷款及财务管理中起着重要作用。