mortgage payable

简明释义

应付抵押，应付抵押贷款

英英释义

例句

1.The mortgage payable 应付抵押贷款 is often the largest debt on a homeowner's balance sheet.

对于房主来说，mortgage payable 应付抵押贷款通常是资产负债表上最大的债务。

2.The bank approved my loan, and now I have a mortgage payable 应付抵押贷款 of $300,000.

银行批准了我的贷款，现在我有一笔$300,000的mortgage payable 应付抵押贷款。

3.When preparing my financial statements, I need to list my mortgage payable 应付抵押贷款 as a liability.

在准备我的财务报表时，我需要将我的mortgage payable 应付抵押贷款列为负债。

4.Each month, I make a payment towards my mortgage payable 应付抵押贷款 to reduce the principal.

每个月，我都会支付一部分我的mortgage payable 应付抵押贷款来减少本金。

5.I refinanced my home, which changed the terms of my mortgage payable 应付抵押贷款 significantly.

我重新融资了我的房子，这大大改变了我的mortgage payable 应付抵押贷款的条款。

作文

Understanding the concept of mortgage payable is crucial for anyone involved in real estate or financial planning. A mortgage payable refers to a liability that represents the amount owed on a mortgage loan. This financial obligation is incurred when an individual or entity borrows money from a lender to purchase real estate, with the property itself serving as collateral. The terms of the mortgage, including the interest rate, repayment schedule, and duration, are outlined in a legal agreement between the borrower and the lender.When a homeowner takes out a mortgage, they agree to repay the borrowed amount over a specified period, typically ranging from 15 to 30 years. Each month, the borrower makes a payment that consists of both principal and interest. The principal is the original amount borrowed, while the interest is the cost of borrowing that money. As time progresses, a larger portion of each payment goes toward reducing the principal balance, while the interest portion decreases.The mortgage payable is recorded on the balance sheet of the borrower as a long-term liability. This means that it is not expected to be settled within one year. For businesses, managing mortgage payable is essential for maintaining healthy cash flow and ensuring that other financial obligations can be met. Failure to make timely payments can result in penalties, increased interest rates, or even foreclosure, where the lender takes possession of the property.In addition to monthly payments, borrowers must also consider other costs associated with a mortgage, such as property taxes, homeowners insurance, and maintenance expenses. These additional costs can significantly impact a homeowner's overall financial situation. Therefore, it is important to budget accordingly and understand the total cost of homeownership beyond just the mortgage payable.For potential homebuyers, understanding their mortgage payable options is vital. Various types of mortgages exist, including fixed-rate mortgages, adjustable-rate mortgages, and interest-only loans. Each type has its own advantages and disadvantages, and the choice depends on individual circumstances and financial goals. Consulting with a financial advisor or mortgage broker can provide valuable insights and help buyers make informed decisions.Furthermore, refinancing is another aspect of mortgage payable that homeowners should be aware of. Refinancing involves replacing an existing mortgage with a new one, often to take advantage of lower interest rates or to change the terms of the loan. This can lead to significant savings over time but requires careful consideration of closing costs and the length of time the homeowner plans to stay in the property.In conclusion, the term mortgage payable encapsulates a significant financial responsibility for many individuals and businesses. It is essential to understand the implications of this liability, including the commitment to regular payments and the potential consequences of default. By being informed about the various aspects of mortgage payable, borrowers can better navigate their financial futures and make sound decisions regarding real estate investments. Ultimately, knowledge of mortgage payable empowers individuals to achieve their homeownership dreams while maintaining financial stability.

理解抵押贷款应付的概念对于任何参与房地产或财务规划的人来说都是至关重要的。抵押贷款应付指的是代表抵押贷款所欠金额的负债。当个人或实体向贷方借款购买房地产时，就会产生这种财务义务，而该物业本身作为抵押品。抵押贷款的条款，包括利率、还款计划和期限，均在借款人和贷方之间的法律协议中列出。当房主申请抵押贷款时，他们同意在特定的期限内偿还借入的金额，通常为15到30年。每个月，借款人都会进行一次支付，其中包括本金和利息。本金是借入的原始金额，而利息是借用这笔钱的成本。随着时间的推移，每笔支付中较大的一部分用于减少本金余额，而利息部分则减少。抵押贷款应付在借款人的资产负债表上被记录为长期负债。这意味着预计不会在一年内结清。对于企业而言，管理抵押贷款应付对维持健康的现金流和确保能够满足其他财务义务至关重要。未能按时付款可能导致罚款、利率上升，甚至止赎，贷方将接管该物业。除了每月付款外，借款人还必须考虑与抵押贷款相关的其他费用，例如物业税、房主保险和维护费用。这些额外费用可能会显著影响房主的整体财务状况。因此，制定预算并理解房屋拥有的总成本超出仅仅是抵押贷款应付是非常重要的。对于潜在的购房者来说，了解他们的抵押贷款应付选择至关重要。存在多种类型的抵押贷款，包括固定利率抵押贷款、可调整利率抵押贷款和仅付利息贷款。每种类型都有其优缺点，选择取决于个人情况和财务目标。咨询财务顾问或抵押贷款经纪人可以提供有价值的见解，并帮助买家做出明智的决定。此外，重新融资是房主应该注意的另一个抵押贷款应付方面。再融资涉及用新的抵押贷款替换现有的抵押贷款，通常是为了利用更低的利率或改变贷款条款。这可以在长期内带来显著的节省，但需要仔细考虑交易费用和房主计划在物业中居住的时间长度。总之，术语抵押贷款应付概括了许多个人和企业的重要财务责任。了解这一负债的影响至关重要，包括定期付款的承诺和违约的潜在后果。通过了解抵押贷款应付的各个方面，借款人可以更好地规划他们的财务未来，并就房地产投资做出明智的决定。最终，了解抵押贷款应付使个人能够实现他们的房屋拥有梦想，同时保持财务稳定。