mortgage
Longman Dictionary of Contemporary English 5++LDOCE 5++mort·gage1 /ˈmɔːɡɪdʒ $ ˈmɔːr-/ ●●○ W3 noun [countable] 1 BFLa legal arrangement by which you borrow money from a bank or similar organization in order to buy a house, and pay back the money over a period of years 抵押贷款，按揭 Your building society or bank will help arrange a mortgage. 你加入的购房互助协会或银行将会给你安排抵押贷款。 They’ve taken out a 30-year mortgage (=they will pay for their house over a period of 30 years). 他们办理了一笔30年期的抵押贷款。 We decided to use Fred’s redundancy money to pay off the mortgage (=pay back all the money we borrowed for a mortgage). 我们决定用弗雷德的遣散费来偿清抵押贷款。 Mortgage rates are set to rise again in the spring. 抵押贷款利率到春季肯定还要上涨。 She was having trouble meeting her mortgage payments. 她还抵押贷款有困难。2 BFLthe amount of money you borrow in the form of a mortgage 抵押贷款额 If you earn £20,000 per year, then you may be able to get a mortgage of £60,000. 如果年收入是2万英镑，就有可能贷到6万英镑的抵押贷款。n COLLOCATIONSverbshave a mortgageThey have a mortgage on a small house in North London.take out a mortgage (=borrow money to buy a house)We took out a 25-year mortgage.get a mortgageWe couldn't get a mortgage.pay/repay a mortgageIf I lose my job, we won't be able to pay the mortgage.pay off a mortgage (=finish paying all the money you owe)They paid off their mortgage five years early.fall/get behind with the mortgage (=be unable to pay enough money each month)He fell behind with the mortgage when he lost his job.adjectivesbig/highThey both need to work full-time because their mortgage is so big.cheap (=with a low interest rate)Homebuyers are eager to take advantage of the cheap mortgages on offer.mortgage + NOUNa mortgage paymentIf interest rates go down, your mortgage payments will fall.the mortgage rate (=the rate of interest you will pay on a mortgage)You need to shop around for a good mortgage rate.a mortgage lender (=a bank that provides mortgages)Nearly all mortgage lenders plan to raise their interest rates.
Examples from the Corpus
mortgage• We still have a $180,000 mortgage on the house.• The bank says we have to buy a life insurance policy before we can get a mortgage.• Anyone taking out a mortgage should be aware that interest rates can go up at any time.• Employees who are not at present house-owners may be entitled to a mortgage allowance in certain exceptional circumstances.• If asset-backed loans such as mortgages are included, that coverage jumps to 128. 4 percent.• Abbey National offer self-build mortgages, which can either be straight repayments or endowment or pension linked.• Make it compulsory or at least encourage lenders to process mortgage applications within two weeks.• Nick told me the mortgage on his apartment is worth about $90,000.• Remember the mortgage itself isn't a debt, and so the compensation scheme doesn't apply.• The mortgage department had neither friends nor profits.• The mortgage payment will be around six hundred dollars a month.• The thrifts paid a fee to have their mortgages guaranteed.• It took my parents nearly thirty years to pay off their mortgage.pay off ... mortgage• The Harrises were given two weeks to pay off mortgage arrears of £8,000.mortgage2 verb [transitive] 1 BFLif you mortgage your home, land, or property, you borrow money, usually from a bank, and if you cannot pay back the money within a particular period of time, the bank has the right to sell your property in order to get the money you owe it 抵押 We mortgaged our house to start Paul’s business. 为了让保罗创业，我们把房子抵押出去了。2 mortgage the/somebody’s future to borrow money or do something that is likely to cause problems in the future, that other people will have to deal with 以将来/某人的前途作代价[赌注] The report explains how governments are mortgaging their nations’ futures. 报告阐述了政府如何把国家的前途拿来作赌注。→ See Verb tableExamples from the Corpus
mortgage• We mortgaged our house to start Paul's business.• Should you mortgage the family home?• It borrowed so heavily that the greater part of its peacetime revenue was mortgaged to service and repay its debt.From Longman Business Dictionarymortgagemort‧gage1 /ˈmɔːgɪdʒˈmɔːr-/ noun [countable]FINANCEBANKINGPROPERTY a legal arrangement where you borrow money from a financial institution in order to buy land or a house, and you pay back the money over a period of years. If you do not make your regular payments, the lender normally has the right to take the property and sell it in order to get back their moneyHe arranged a 30-year mortgage at 7% for the five-bedroom house.They took out a $100,000 mortgage (=obtained one) to pay for the property.He recently paid off his mortgage (=paid back all the money borrowed) because he fears that interest rates will rise. → adjustable-rate mortgage → balloon mortgage → capped-rate mortgage → direct-reduction mortgage → endowment mortgage → equitable mortgage → first mortgage → fixed-rate mortgage → legal mortgage → repayment mortgage → second mortgage → variable-rate mortgagemortgagemortgage2 verb [transitive]1FINANCEto give a financial institution the right to own your house, property, or land if you do not pay back the money they lent you within the agreed timeThey mortgaged their home for $65,000 to a life insurance company and gave the cash to their children.2be mortgaged to the hilt to have a very large mortgage in relation to the value of the property you own→ See Verb tableOrigin mortgage1 (1300-1400) Old French mort “dead” + gage “promise”mort·gage1 noun →n COLLOCATIONS1mortgage2 verbLDOCE OnlineChineseSyllable
borrow from a which a Corpus you arrangement Business legal by money
mortgage
mort‧gage1 W3 /ˈmɔːɡɪdʒ $ ˈmɔːr-/ 
noun [countable]
Your building society or bank will help arrange a mortgage.
They’ve taken out a 30-year mortgage (=they will pay for their house over a period of 30 years).
We decided to use Fred’s redundancy money to pay off the mortgage (=pay back all the money we borrowed for a mortgage).
Mortgage rates are set to rise again in the spring.
She was having trouble meeting her mortgage payments.
2. the amount of money you borrow in the form of a mortgage:
If you earn £20,000 per year, then you may be able to get a mortgage of £60,000.
■ verbs
▪have a mortgage They have a mortgage on a small house in North London.
▪take out a mortgage (=borrow money to buy a house) We took out a 25-year mortgage.
▪get a mortgage We couldn't get a mortgage.
▪pay/repay a mortgage If I lose my job, we won't be able to pay the mortgage.
▪pay off a mortgage (=finish paying all the money you owe) They paid off their mortgage five years early.
▪fall/get behind with the mortgage (=be unable to pay enough money each month) He fell behind with the mortgage when he lost his job.
■ adjectives
▪big/high They both need to work full-time because their mortage is so big.
▪cheap (=with a low interest rate) Homebuyers are eager to take advantage of the cheap mortgages on offer.
■ mortgage + NOUN
▪a mortgage payment If interest rates go down, your mortgage payments will fall.
▪the mortgage rate (=the rate of interest you will pay on a mortgage) You need to shop around for a good mortgage rate.
▪a mortgage lender (=a bank that provides mortgages) Nearly all mortgage lenders plan to raise their interest rates.
▪ loan noun [countable] an amount of money that is borrowed, especially from a bank or company, which you agree to pay back by the end of a period of time: We took out a loan to buy a new car. | He is paying back a $50,000 loan.
▪mortgage noun [countable] a large amount of money that someone borrows from a bank or company to buy a house: Nick told me the mortgage on his apartment is worth about $90,000. | Anyone taking out a mortgage should be aware that interest rates can go up at any time. | It took my parents nearly thirty years to pay off their mortgage.
▪interest noun [uncountable] money that you pay for borrowing money, especially that you pay every year or every month at a fixed rate: Credit companies charge huge amounts of interest. | What’s the interest on the loan?
▪overdraft noun [countable] British English the amount of money that you owe to bank when you have spent more money than you had in your account: I left university with no job and a big overdraft. | 20% of the bank’s customers regularly use their overdraft facility. | You have to pay a fee for unauthorized overdrafts.
▪debt noun [uncountable and countable] an amount of money that a person or organization owes: The company now has debts of almost £2 million. | A lot of the money went towards paying his debts. | The family were $100,000 in debt (=they owed $100,000).
▪credit noun [uncountable] an arrangement with a shop or bank that allows you to buy something and pay for it later: We bought the furniture on credit. | He had a credit limit of £7,000.
mortgage2 verb [transitive]
1. if you mortgage your home, land, or property, you borrow money, usually from a bank, and if you cannot pay back the money within a particular period of time, the bank has the right to sell your property in order to get the money you owe it:
We mortgaged our house to start Paul’s business.
2. mortgage the/sb’s future to borrow money or do something that is likely to cause problems in the future, that other people will have to deal with:
The report explains how governments are mortgaging their nations’ futures.
| I |
noun [countable] Date: 1300-1400
Language: Old French
Origin: mort 'dead' + gage 'promise'
1. a legal arrangement by which you borrow money from a bank or similar organization in order to buy a house, and pay back the money over a period of years:Language: Old French
Origin: mort 'dead' + gage 'promise'
2. the amount of money you borrow in the form of a mortgage:
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verb [transitive]1. if you mortgage your home, land, or property, you borrow money, usually from a bank, and if you cannot pay back the money within a particular period of time, the bank has the right to sell your property in order to get the money you owe it:
2. mortgage the/sb’s future to borrow money or do something that is likely to cause problems in the future, that other people will have to deal with:
Renting 租房子
live in a rented/( rental propertyespecially
NAmE 住在租来的住所里 rent/share/move into a furnished house/( flat/BrE ( apartmentespecially
NAmE 租用／合住／搬进配有家具的房屋／公寓 rent a studio/( a studio flat/BrE ( a studio apartment/especially
NAmE ( a bedsitBrE 租一个单间公寓 find/get a housemate/( a flatmate/BrE ( a roommateNAmE 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/( tenancyBrE 延长租赁期限；续签／终止租约 afford/pay the rent/the bills/( the utilitiesNAmE 付得起／支付租金／账单／水电气等杂费 ( especially
BrE fall behind with/ ( especially
NAmE fall behind on the rent拖欠租金 pay/lose/return a damage deposit/( security depositNAmE 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/apartment/room ( to let/BrE ( for rentespecially
NAmE 有一间公寓／一个房间要出租 rent (out)/lease (out)/ ( BrE let (out)/sublet a flat/apartment/house/property出租／转租公寓／房屋／房产 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/( property to let/BrE ( the buy-to-let marketBrE 投资购房用于出租
Buying 购买房子
buy/acquire/purchase a house/(a) property/( (a piece of) prime real estateespecially
NAmE 购置一栋房子／一处房产／（一块）优质房地产 call/contact/use ( an estate agent/BrE ( a Realtor™/NAmE ( a real estate agent/brokerNAmE 电话联系／联系／任用房地产经纪人 make/ ( BrE put in an offer on a house提供房子的报价 put down/save for ( a deposit on a houseBrE 支付／存钱付房屋订金 make/put/save for ( a down payment on a house/homeespecially
NAmE 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/( repaymentsBrE also
支付每月的按揭贷款 ( BrE repossess/ ( especially
NAmE foreclose on sb'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/( deeds of/to the house, land, etc.especially
BrE 持有／移交房屋、土地等契约
Renting 租房子
live in a rented/( rental propertyespecially
NAmE 住在租来的住所里 rent/share/move into a furnished house/( flat/BrE ( apartmentespecially
NAmE 租用／合住／搬进配有家具的房屋／公寓 rent a studio/( a studio flat/BrE ( a studio apartment/especially
NAmE ( a bedsitBrE 租一个单间公寓 find/get a housemate/( a flatmate/BrE ( a roommateNAmE 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/( tenancyBrE 延长租赁期限；续签／终止租约 afford/pay the rent/the bills/( the utilitiesNAmE 付得起／支付租金／账单／水电气等杂费 ( especially
BrE fall behind with/ ( especially
NAmE fall behind on the rent拖欠租金 pay/lose/return a damage deposit/( security depositNAmE 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/apartment/room ( to let/BrE ( for rentespecially
NAmE 有一间公寓／一个房间要出租 rent (out)/lease (out)/ ( BrE let (out)/sublet a flat/apartment/house/property出租／转租公寓／房屋／房产 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/( property to let/BrE ( the buy-to-let marketBrE 投资购房用于出租
Buying 购买房子
buy/acquire/purchase a house/(a) property/( (a piece of) prime real estateespecially
NAmE 购置一栋房子／一处房产／（一块）优质房地产 call/contact/use ( an estate agent/BrE ( a Realtor™/NAmE ( a real estate agent/brokerNAmE 电话联系／联系／任用房地产经纪人 make/ ( BrE put in an offer on a house提供房子的报价 put down/save for ( a deposit on a houseBrE 支付／存钱付房屋订金 make/put/save for ( a down payment on a house/homeespecially
NAmE 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/( repaymentsBrE also
支付每月的按揭贷款 ( BrE repossess/ ( especially
NAmE foreclose on sb'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/( deeds of/to the house, land, etc.especially
BrE 持有／移交房屋、土地等契约