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IELTS BNC: 2483 COCA: 3215

mortgage

Word family 
Related topics: Loans
mort·gage1 /ˈmɔːɡɪdʒ $ ˈmɔːr-/ ●●○ W3 noun [countableC]  
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 COLLOCATIONS
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 mortgage 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.
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.
Related topics: Loans
mortgage2 verb [transitiveT]  
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。
Examples from the Corpus
mortgage the/somebody’s future• But, in practice, if allowed to get out of hand, it firmly mortgaged the future.• Finally, notice that the question of mortgaging the future hinges crucially on what is done with the privatization revenue.• There's a pool of talent in this area most employers can draw from without mortgaging their financial future, Miller said.• We will also ensure that home-buyers receive proper advice about the potential cost of their mortgages in future years.
Examples 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 Dictionary
mortgagemort·gage1 /ˈmɔːgɪdʒˈmɔːr-/ noun [countableC]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 money
He 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 mortgage
mortgagemortgage2 verb [transitiveT]
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 time
They 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
Origin mortgage1
(1300-1400) Old French mort “dead” + gage “promise”
mort·gage1 noun →n COLLOCATIONS1mortgage2 verb
LDOCE Online
Chinese
Syllable
Corpus
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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