down payment

简明释义

首笔现付金额，首款 ［分期付款销售］

英英释义

例句

1.To buy the house, I need to save a substantial down payment.

为了买这栋房子，我需要存一笔可观的首付款。

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

上周我在我的新车上支付了首付款。

3.If you can’t afford the down payment, you might consider renting.

如果你负担不起首付款，你可以考虑租房。

4.She was able to afford the down payment because of her savings.

她能负担得起首付款是因为她的储蓄。

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

银行要求抵押贷款的首付款为20%。

作文

Understanding the concept of a down payment is crucial for anyone looking to make a significant purchase, particularly in real estate or when buying a vehicle. A down payment refers to the initial upfront portion of the total amount due on a purchase. It is often expressed as a percentage of the total cost and serves as a commitment from the buyer to the seller. For instance, when purchasing a home, buyers are typically required to make a down payment that can range from 3% to 20% of the home's price, depending on the type of mortgage and lender requirements.The significance of a down payment cannot be overstated. First and foremost, it demonstrates the buyer's financial stability and seriousness about the purchase. Lenders view a substantial down payment as a sign that the buyer is less likely to default on their loan. This can lead to more favorable loan terms, including lower interest rates and reduced monthly payments. In essence, a higher down payment can save the buyer money over the life of the loan.Moreover, making a down payment also impacts the overall affordability of the purchase. By putting down a significant amount upfront, buyers reduce the principal balance of their loan, which means they will have less debt to repay over time. This can also lead to less interest paid over the duration of the loan, as interest is calculated on the remaining balance. Therefore, a well-planned down payment strategy can significantly enhance a buyer's financial situation in the long run.However, saving for a down payment can be a daunting task, especially for first-time buyers. Many individuals struggle to accumulate enough savings to meet the typical down payment requirements. This is where budgeting and financial planning come into play. Prospective buyers should set realistic savings goals and create a dedicated savings plan to reach their down payment target. Additionally, there are various assistance programs available that can help first-time buyers with their down payment, making homeownership more accessible.In conclusion, the role of a down payment in major purchases cannot be overlooked. It not only reflects the buyer's commitment but also influences loan terms and overall financial health. Understanding how to effectively save for and utilize a down payment is essential for anyone looking to make a significant investment. With careful planning and consideration, buyers can navigate the challenges of saving for a down payment and ultimately achieve their financial goals, whether it be purchasing a home or a vehicle. The journey may be challenging, but the rewards of homeownership and financial stability are well worth the effort.

理解首付的概念对于任何想要进行重大购买的人来说都是至关重要的，特别是在房地产或购车时。首付是指在购买时所需支付的总金额的初始预付款部分。它通常以总成本的百分比表示，并作为买方对卖方的承诺。例如，在购买房屋时，买家通常需要支付的首付可以从房价的3%到20%不等，这取决于抵押贷款的类型和贷方的要求。首付的重要性不容小觑。首先，它表明买方的财务稳定性和对购买的认真态度。贷方将较高的首付视为买方不太可能违约的标志。这可能导致更优惠的贷款条款，包括较低的利率和减少的月供。因此，较高的首付可以在贷款期限内为买方节省资金。此外，支付首付也会影响购买的整体可负担性。通过提前支付一笔可观的金额，买家减少了贷款的本金余额，这意味着他们将有更少的债务需要偿还。这也可能导致在贷款期间支付更少的利息，因为利息是根据剩余余额计算的。因此，一个精心规划的首付策略可以在长期内显著改善买方的财务状况。然而，存钱支付首付可能是一项艰巨的任务，尤其是对于首次购房者。许多人在积累足够的储蓄以满足典型的首付要求方面面临挑战。在这里，预算和财务规划就显得尤为重要。潜在买家应设定现实的储蓄目标，并制定专门的储蓄计划以达到他们的首付目标。此外，还有各种援助计划可以帮助首次购房者支付首付，使购房变得更加可及。总之，首付在重大购买中的作用不可忽视。它不仅反映了买方的承诺，还影响贷款条款和整体财务健康。有效地为首付储蓄和利用是任何希望进行重大投资的人所必需的。通过谨慎的规划和考虑，买家可以克服储蓄首付的挑战，最终实现他们的财务目标，无论是购买房屋还是车辆。这段旅程可能充满挑战，但拥有房屋和财务稳定的回报绝对值得付出努力。