Mortgage 的意思

Mortgage 是指抵押贷款，尤其是指购买房地产时，借款人向银行或金融机构借款，并以房地产作为抵押品的贷款方式。通常，在借款人还清贷款之前，贷款机构会对该房地产拥有一定的权益。若借款人未能按时还款，贷款机构有权将该财产出售以偿还贷款。

音标

英式音标：/ˈmɔːɡɪdʒ/

美式音标：/ˈmɔːrɡɪdʒ/

翻译

Mortgage 在中文中通常翻译为“抵押贷款”或“按揭贷款”。

读音

“Mortgage”的读音可分为两个音节：[ˈmɔːɡɪdʒ]，其中“mor”发音类似“摩”，而“gage”发音类似“吉”。可以根据这个方式来准确发音。

用法

Mortgage 常用于以下两种主要语境：

购买房产时的抵押贷款： 在这种情境下，银行或其他金融机构提供贷款帮助购房，贷款人以房产本身作为担保。

房产的抵押： 用来描述实际的房产担保或借款合同。

例句

She applied for a mortgage to buy a new house.

They were unable to pay off the mortgage and lost their home.

A mortgage can last anywhere from 15 to 30 years.

The bank offered him a low-interest mortgage because of his excellent credit score.

We need to review the terms of your mortgage before proceeding with the loan approval.

With a fixed-rate mortgage, your monthly payments stay the same throughout the term.

The interest on the mortgage can be deducted from your taxable income.

They refinanced their mortgage to take advantage of lower interest rates.

After years of paying the mortgage, they finally owned their home outright.

Many people struggle to make their mortgage payments due to rising property prices.

短语搭配

Mortgage loan – 抵押贷款

Mortgage payment – 贷款还款

Mortgage broker – 按揭经纪人

Mortgage insurance – 贷款保险

Fixed-rate mortgage – 固定利率抵押贷款

Adjustable-rate mortgage (ARM) – 可调利率抵押贷款

Mortgage application – 贷款申请

Mortgage interest – 贷款利息

Mortgage default – 贷款违约

Mortgage refinancing – 贷款再融资

总结

Mortgage 是与房地产相关的一个重要金融术语，它涉及到贷款、还款及房地产担保等方面。在购房和房产投资中，理解mortgage的各种类型和条款是非常重要的。