mortgage
mortgage — 名詞
1. a type of loan agreement with a bank or other financial institution that lets yo
房貸
向銀行借款購屋的協議
a type of loan agreement with a bank or other financial institution that lets you purchase property, typically a house or flat, by borrowing money that you repay in fixed monthly amounts over an agreed period
Christopher and Layla took out a thirty-year mortgage to buy their first home.
Christopher 和 Layla 申請了一筆三十年期的房貸，買下他們的第一間房子。
take out a mortgage — enter into the agreement
The bank approved Bao's mortgage application after checking her income and credit history.
銀行在審核 Bao 的收入和信用記錄後，批准了她的房貸申請。
Sumin still has fifteen years left to pay off the mortgage on the apartment.
Sumin 那間公寓的房貸還有十五年才能還清。
Monthly mortgage payments can be higher than renting in some cities.
在某些城市，每月的房貸還款金額可能比租房還高。
After João lost his job, the family struggled to keep up with the mortgage.
João 失業後，全家人很辛苦才付得出房貸。
- home loan
more informal, used by lenders and in everyday conversation
- housing loan
broader term that can include loans for renovation or construction as well as purchase
文法句型
take out + a + mortgage
pay off + the + mortgage
mortgage + on + property
用法筆記
The noun mortgage is commonly used with the verbs take out (to begin a mortgage), pay off (to finish repaying it), and the phrase keep up with (to make regular payments on time). Unlike a general loan, a mortgage is secured against a property — if the borrower fails to pay, the lender can take ownership of the property.
常見錯誤
mortgage — 動詞
1. to borrow money from a bank by using your house or other property as a guarantee
抵押借款
以房產作擔保向銀行借款
to borrow money from a bank by using your house or other property as a guarantee that you will repay; the bank has the right to take the property if you fail to make the payments
The young couple mortgaged their house to pay for their children's university education.
那對年輕夫婦把房子抵押了，來支付孩子的大學學費。
mortgage + property + to-infinitive purpose
Bao's parents mortgaged their farm in order to start a small business.
Bao 的父母把農場抵押了，用來創業開一家小店。
The warehouse was mortgaged for more than its market value.
那間倉庫的抵押借款金額超過了它的市場價值。
Léa and Tamar mortgaged their apartment to raise enough money for the new clinic.
Léa 和 Tamar 把公寓抵押了，好籌到足夠的資金開設新的診所。
Adisa refused to mortgage the family home because he thought the risk was too great.
Adisa 拒絕把老家抵押出去，因為他覺得風險太大了。
- put up as collateral
more formal and broader legal meaning; not limited to property
- pledge
more general; can apply to any asset, not just real estate
文法句型
mortgage + noun phrase (the property)
be + mortgaged + (for + amount)
用法筆記
The verb mortgage takes the property as its direct object, not the lender. You mortgage your house, not the bank. The passive form (be mortgaged) is common when describing the financial status of a property. The verb is less frequent in everyday speech than the noun — speakers more often say 'I have a mortgage on my house' than 'I mortgaged my house.'