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IELTS BNC: 2483 COCA: 3215

mortgage

noun
 
/ˈmɔːɡɪdʒ/
/ˈmɔːrɡɪdʒ/
(also informal home loan)
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  1. a legal agreement by which a bank or similar organization lends you money to buy a house, etc., and you pay the money back over a particular number of years; the sum of money that you borrow按揭（由银行等提供房产等的抵押借款）；按揭贷款
    • to apply for/take out/pay off a mortgage申请／取得／还清抵押贷款
    • mortgage rates (= of interest)按揭贷款利率
    • He raised the money by taking out a second mortgage on his house.他通过对自己的房屋办理二次抵押筹集了这笔钱。
    • a mortgage of £60 0006 万英镑的按揭贷款
    • He's been having trouble keeping up with his monthly mortgage repayments.他一直无法按时偿还每月的抵押贷款。
    Collocations Moving house搬家Moving house Renting租房子
    • live in a rented/(especially North American English) rental property住在租来的住所里
    • rent/​share/​move into a furnished house/(British English) flat/(especially North American English) apartment租用／合住／搬进配有家具的房屋／公寓
    • rent a studio/(British English) a studio flat/(especially North American English) a studio apartment/(British English) a bedsit租一个单间公寓
    • find/​get a housemate/(British English) a flatmate/(North American English) a roommate找一个室友
    • sign/​break the lease/​rental agreement/​contract签署／违反租约／租赁协议／合同
    • extend/​renew/​terminate the lease/(British English) tenancy延长租赁期限；续签／终止租约
    • afford/​pay the rent/​the bills/(North American English) the utilities付得起／支付租金／账单／水电气等杂费
    • (especially British English) fall behind with/ (especially North American English) fall behind on the rent拖欠租金
    • pay/​lose/​return a damage deposit/(North American English) security deposit支付／失去／退还损坏押金／保证金
    • give/​receive a month’s/​two-weeks’ notice to leave/​vacate the property提前一个月／两周发出／收到离开／腾空住房的通知
    Being a landlord做房东
    • have a flat/​an apartment/​a room (British English) to let/(especially North American English) for rent
    • rent (out)/lease (out)/ (British English) let (out)/sublet a flat/​an apartment/​a house/​a property
    • collect/​increase/​raise the rent收取／增加／提高房租
    • evict the existing tenants赶走现有房客
    • attract/​find new/​prospective tenants吸引／寻找新的／可能的房客
    • invest in rental property/(British English) property to let/(British English) the buy-to-let market投资购房用于出租
    Buying购买房子
    • buy/​acquire/​purchase a house/(a) property/(especially North American English) (a piece of) prime real estate购置一栋房子／一处房产／（一块）优质房地产
    • call/​contact/​use (British English) an estate agent/(North American English) a Realtor™/(North American English) a real estate agent/​broker电话联系／联系／任用房地产经纪人
    • make/ (British English) put in an offer on a house提供房子的报价
    • put down/​save for (British English) a deposit on a house支付／存钱付房屋订金
    • make/​put/​save for (especially North American English) a down payment on a house/​home支付／攒钱支付买房的首付金
    • apply for/​arrange/​take out a mortgage/​home loan申请／商定／取得按揭／住房贷款
    • (struggle to) pay the mortgage（竭力）支付按揭贷款
    • make/​meet/​keep up/​cover the monthly mortgage payments/(British English also) repayments支付每月的按揭贷款
    • (British English) repossess/ (especially North American English) foreclose on somebody’s home/​house收回某人的房子；终止某人的房屋赎回权
    Selling出售房子
    • put your house/​property on the market/​up for sale/​up for auction将房屋／房产投放市场／出售／拍卖
    • increase/​lower your price/​the asking price提高／降低价格／要价
    • have/​hold/​hand over the deed/(especially British English) deeds of/​to the house, land, etc.持有／移交房屋、土地等契约
    Wordfinder
    Wordfinder
    see also endowment mortgage, repayment mortgage
    Culture mortgagesmortgagesHouses are expensive to buy and few people have enough money of their own. Most people have to take out a mortgage, a type of loan. In Britain people usually get a mortgage from a bank or a building society; in the US they get one from a bank, a savings and loan association or a credit union. People put down a deposit (= pay a percentage of the price of the property) and borrow the rest. Mortgages are paid back in payments every month over a period of years. The person borrowing the money has to pay interest on the loan, so that the final amount paid is a lot more than the amount of the loan itself. The security (= guarantee that the lender will get their money back) is the house itself. If a borrower fails to keep up payments, the house may be repossessed by the lender and sold so that they can get their money back. This is called foreclosure. The financial crisis in the years following 2008 was partly caused by too much money being lent in mortgages to people who could not afford to pay it back. These mortgages were known as sub-prime mortgages.There are different types of mortgages. With a fixed-rate mortgage, the amount of interest remains at a particular level and the payments do not change. This type of mortgage is more popular in the US than Britain, where variable -rate mortgages (NAmE usually adjustable -rate mortgages) are more common. With a variable-rate mortgage, the rate of interest can increase or decrease depending on the state of the economy. In Britain some people have an endowment mortgage. This involves the borrower paying only interest on the loan to the bank or building society. They also pay for an endowment policy, a type of insurance policy which is supposed to provide enough money to pay back the loan. Many people with endowment mortgages have suffered because the growth of the policy was not enough to pay back the loan. For this reason they are no longer sold.For many people, paying back a mortgage is their greatest financial burden. People talk of being ‘ mortgaged up to the hilt ’, meaning that their mortgage payments leave them with little money for anything else. It is possible to take out a second mortgage on a house. Another practice, called remortgaging (NAmE refinancing) involves changing an existing mortgage to a different type offered by the lender or replacing it with a mortgage from another lender, usually in order to obtain a lower rate of interest.House prices sometimes rise very fast and then fall again. Some people who buy a house when prices are high can become victims of negative equity. Equity means the part of the value of a house that the buyer owns, and negative equity means a situation in which the value of a house falls below the amount borrowed as a mortgage. This makes it impossible to sell the house without being left with debt.
    Extra Examples
    • He didn't earn enough to support his family and pay the mortgage.他挣的钱不够养家及偿还抵押贷款。
    • He wasn't earning enough to pay the mortgage.他挣的钱不够还按揭。
    • I couldn't get a mortgage on the property.我未办成该房产的按揭。
    • There are penalties if you want to redeem your mortgage early.如果你想提前还清按揭贷款，需要交违约金。
    • They fell behind with/​on their mortgage, so their home was repossessed.他们没有按时还按揭款，所以房子被收走了。
    • They were having trouble getting a mortgage.他们办理按揭贷款遇到了困难。
    • They were struggling to keep up with their mortgage payments.他们千方百计按时偿付按揭款。
    • We have a big mortgage.我们得到了一大笔按揭贷款。
    • We'll have to take out a second mortgage to pay for this holiday!我们将不得不办理第二笔按揭来支付这次度假的费用！
    • We've got a big mortgage.我们有一大笔抵押贷款。
    • a rise in mortgage rates抵押利率的上涨
    • mortgage interest payments抵押利息支付
    • Fortunately we've already paid off our mortgage.幸好我们已还清了抵押贷款。
    • Mortgage rates are up again this month.按揭贷款利率本月又上涨了。
    Topics Moneyb2, Houses and homesb2
    Oxford Collocations Dictionaryadjective
    • big
    • huge
    • small
    • …
    verb + mortgage
    • have
    • hold
    • buy
    • …
    mortgage + noun
    • payment
    • repayment
    • application
    • …
    preposition
    • mortgage of
    • mortgage on
    See full entry
    Word Originlate Middle English: from Old French, literally ‘dead pledge’, from mort (from Latin mortuus ‘dead’) + gage ‘pledge’.

mortgage

verb
/ˈmɔːɡɪdʒ/
/ˈmɔːrɡɪdʒ/
Verb Forms
present simple I / you / we / they mortgage
/ˈmɔːɡɪdʒ/
/ˈmɔːrɡɪdʒ/
he / she / it mortgages
/ˈmɔːɡɪdʒɪz/
/ˈmɔːrɡɪdʒɪz/
past simple mortgaged
/ˈmɔːɡɪdʒd/
/ˈmɔːrɡɪdʒd/
past participle mortgaged
/ˈmɔːɡɪdʒd/
/ˈmɔːrɡɪdʒd/
-ing form mortgaging
/ˈmɔːɡɪdʒɪŋ/
/ˈmɔːrɡɪdʒɪŋ/
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  1. mortgage something to give a bank, etc. the legal right to own your house, land, etc. if you do not pay the money back that you have borrowed from the bank to buy the house or land（向银行等）抵押（房地产）
    • He had to mortgage his house to pay his legal costs.他不得不把房子抵押出去来付诉讼费。
    Topics Moneyb2, Houses and homesb2
    More Like This Silent lettersSilent letters
    Word Originlate Middle English: from Old French, literally ‘dead pledge’, from mort (from Latin mortuus ‘dead’) + gage ‘pledge’.
IELTS BNC: 2483 COCA: 3215
mortgage

noun

ADJECTIVE | VERB + MORTGAGE | MORTGAGE + NOUN | PREPOSITION ADJECTIVE➤big, huge大筆按揭貸款▸➤small小額按揭▸➤cheap低息按揭貸款◇Banks often offer their employees cheap mortgages.銀行經常給員工提供低息按揭貸款。➤endowment, repayment, reverse (NAmE) 定期人壽保險抵押；固定償還期按揭；反向抵押➤adjustable-rate, fixed-rate, variable-rate (BrE) 可調利率／固定利率／浮動利率按揭➤home, residential住房抵押；住宅抵押貸款➤first, second第一／第二抵押權◇He raised the money by taking out a second mortgage on his house.他通過對自己的房屋辦理二次抵押籌集了這筆錢。VERB + MORTGAGE➤have, hold得到／持有按揭貸款◇We have a big mortgage.我們得到了一大筆按揭貸款。➤buy, get, take out購買按揭付款商品；獲得按揭貸款；辦理按揭◇They were having trouble getting a mortgage.他們辦理按揭貸款遇到了困難。◇We'll have to take out a second mortgage to pay for this wedding!我們將不得不辦理第二筆按揭來支付婚禮費用！➤pay, pay off, redeem, repay (especially BrE) 支付按揭貸款；償清按揭貸款；償還按揭貸款◇He wasn't earning enough to pay the mortgage.他掙的錢不夠還按揭。◇There are penalties if you want to redeem your mortgage early.如果你想提前還清按揭貸款，需要交違約金。➤fall behind on, fall behind with, get behind on (especially NAmE) 拖欠按揭貸款◇They fell behind with / on their mortgage, so their home was repossessed.他們沒有按時還按揭款，所以房子被收走了。➤sell出售按揭資產➤refinance轉按揭MORTGAGE + NOUN➤payment, repayment (BrE) 按揭償付／還款◇They were struggling to keep up with their mortgage payments.他們千方百計按時償付按揭款。➤application抵押貸款申請➤loan抵押貸款➤credit抵押信貸➤debt抵押債務➤business, industry, market抵押貸款業務／行業／市場➤banker, broker, company, lender按揭放貸銀行家；按揭經紀人；按揭公司；按揭放貸者➤finance抵押融資➤product抵押產品➤insurance住房抵押貸款保險➤interest, rate抵押利息／利率◇mortgage interest payments (especially BrE) 抵押利息支付◇a rise in mortgage rates抵押利率的上漲➤portfolio抵押資產組合➤refinancing轉按揭PREPOSITION➤mortgage of⋯的按揭貸款◇a mortgage of $800 00080 萬美元的按揭貸款➤mortgage on以⋯為抵押◇I couldn't get a mortgage on the property.我未辦成該房產的按揭。
IELTS BNC: 2483 COCA: 3215
mortgage noun
⇨ loan
IELTS BNC: 2483 COCA: 3215

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