🏦 房贷与重贷会员专享
生活英语 · 住房深场景 · 共 30 个核心词汇 · 8 条场景例句
词汇表
- mortgage rate 房贷利率；按揭利率
- fixed rate 固定利率；固定率；固定汇率
- adjustable rate 浮动利率；可调整利率；可调整费率
- arm /ɑːrm/ n./v. 手臂；袖子；狭长港湾；武器；武装；装备；武装起来
- thirty-year mortgage 三十年房贷
- fifteen-year mortgage 十五年房贷
- monthly payment 月供；按月付款
- principal and interest 本金与利息；本利；本金及利息
- PMI /ˌpiː em ˈaɪ/ 私人抵押贷款保险（Private Mortgage Insurance）；采购经理人指数（Purchasing Managers' Index）
- private mortgage insurance 私人房贷保险；抵押权保险
- escrow account 托管账户；第三方保管账户
- property tax escrow 房产税托管
- homeowners insurance 房屋保险
- refinance /ˌriːˈfaɪnæns/ v. 再融资；再为...筹钱；再供...资金
- rate and term refi 利率期限转贷
- cash-out refinance 套现转贷；套现再融资；再融资兑现
- closing costs 过户费用；交易结算费用
- break-even point 回本点；损益两平点；收支平衡点；保本点
- rate lock 利率锁定
- float down 利率下浮条款
- appraisal waiver 免估价
- underwriting /ˈʌndərˌraɪtɪŋ/ n. 承销；保险业；（海上）保险业；证券包销
- loan estimate 贷款预估
- closing disclosure 过户披露文件
- prepayment penalty 提前还款罚金；提前偿付罚款
- extra principal payment 额外还本金
- pay off early 提前还清
- amortization schedule 摊销表
- home equity loan 房屋净值贷款；房屋抵押贷款；住房权益贷款
- HELOC /ˌeɪtʃ i el oʊ ˈsiː/ 房屋净值信用额度；房屋净值贷款（home equity lines of credit）；房屋净值抵押贷款；房屋净值信用额度（home equity line of credit）
场景例句
- Rates dropped. It's time to refinance.利率降了，该转贷了。
- Calculate the break-even point first.先算一下回本点。
- We locked the rate for sixty days.我们锁了六十天的利率。
- PMI drops off at twenty percent equity.净值到两成就能免掉贷款保险。
- An extra principal payment each month saves years.每月多还本金能省好几年。
- A HELOC tapped our home equity for the renovation.我们用房屋净值信用额度付了装修款。
- Compare the loan estimate from three lenders.对比三家贷款方的预估文件。
- We paid off the mortgage fifteen years early.我们提前十五年还清了房贷。