down payment

简明释义

分期付款的首笔付款

英英释义

例句

1.A larger down payment can lower your monthly mortgage payments.

更高的首付款可以降低你的每月抵押贷款还款额。

2.They offered to help with the down payment for their child's first home.

他们提供帮助支付孩子第一套房子的首付款。

3.I made a down payment on my new car last week.

我上周为我的新车支付了首付款。

4.The bank requires a 20% down payment for the mortgage.

银行要求抵押贷款的首付款为20%。

5.She saved for years to afford the down payment on her house.

她存了很多年钱来支付她房子的首付款。

作文

When considering the purchase of a home, one of the most critical financial concepts to understand is the down payment. A down payment refers to the initial upfront portion of the total amount due for a property. It is typically expressed as a percentage of the purchase price and is paid at the time of closing on the home. For instance, if you are buying a house priced at $300,000 and you make a down payment of 20%, you will pay $60,000 upfront. This amount not only reduces the amount you need to borrow but also shows lenders that you are financially committed to the purchase.Making a substantial down payment can have several advantages. Firstly, it can lower your monthly mortgage payments since you will be borrowing less money. Secondly, a larger down payment can help you secure better interest rates. Lenders often view borrowers who can make a significant down payment as less risky, which can lead to more favorable loan terms.Moreover, putting down a larger down payment can help you avoid private mortgage insurance (PMI). PMI is an additional cost that lenders require if your down payment is less than 20%. By making a larger down payment, you can save on these extra costs, making homeownership more affordable in the long run.On the other hand, saving for a down payment can be challenging, especially for first-time homebuyers. Many people struggle to accumulate enough savings while also managing their everyday expenses. This is where budgeting and financial planning come into play. Setting a specific savings goal for your down payment can help you stay focused and motivated. You might consider opening a dedicated savings account to separate your down payment funds from your regular spending money.Additionally, there are various programs available that can assist with down payment assistance. Many state and local governments offer grants or loans to help first-time buyers with their down payment. It's essential to research these options, as they can significantly reduce the financial burden of purchasing a home.In conclusion, understanding the concept of a down payment is crucial for anyone looking to buy a home. A down payment not only affects the overall cost of the mortgage but also influences the terms and conditions of the loan. By saving diligently and exploring available assistance programs, potential homeowners can navigate the path to homeownership more effectively. The journey may be challenging, but with careful planning and a clear understanding of what a down payment entails, achieving your dream of owning a home is entirely possible.

在考虑购买房屋时，理解一个关键的财务概念非常重要，那就是首付款。首付款是指为物业支付的总金额的初始预付款部分。它通常以购买价格的百分比表示，并在房屋交割时支付。例如，如果您购买一套售价为30万美元的房子，并支付20%的首付款，那么您将预付6万美元。这笔款项不仅减少了您需要借贷的金额，还向贷款人表明您对购买的财务承诺。支付可观的首付款有几个优点。首先，它可以降低您的每月抵押贷款还款，因为您将借贷更少的钱。其次，更大的首付款可以帮助您获得更好的利率。贷款人通常认为能够支付较大首付款的借款人风险较小，这可能导致更优惠的贷款条件。此外，支付较大首付款还可以帮助您避免私人抵押贷款保险（PMI）。如果您的首付款少于20%，贷款人会要求额外的费用作为PMI。通过支付更大的首付款，您可以节省这些额外成本，从而使拥有房屋的长期负担更轻。另一方面，储蓄首付款可能会很具挑战性，尤其是对于首次购房者来说。许多人在应对日常开支的同时，难以积累足够的储蓄。这时，预算和财务规划就显得尤为重要。设定一个具体的首付款储蓄目标可以帮助您保持专注和动力。您可以考虑开设一个专用的储蓄账户，将您的首付款资金与日常消费资金分开。此外，还有各种程序可以帮助提供首付款援助。许多州和地方政府提供补助金或贷款，以帮助首次购房者支付首付款。研究这些选项非常重要，因为它们可以显著减轻购房的财务负担。总之，理解首付款的概念对于任何想要购买房屋的人来说都是至关重要的。首付款不仅影响抵押贷款的整体成本，而且还影响贷款的条款和条件。通过勤奋储蓄和探索可用的援助项目，潜在的房主可以更有效地走向拥有自己的家。这个过程可能充满挑战，但通过仔细规划和清晰理解首付款的含义，实现拥有房屋的梦想是完全可能的。