down payment

简明释义

定金

英英释义

例句

1.Many first-time homebuyers struggle to save for a down payment 首付款.

许多首次购房者都在为存款做首付款而苦恼。

2.She was able to negotiate a lower down payment 首付款 with the car dealer.

她能够与汽车经销商谈判出一个较低的首付款。

3.A higher down payment 首付款 can help reduce your monthly mortgage payments.

更高的首付款可以帮助减少你的每月抵押贷款支付。

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

银行要求抵押贷款的首付款为20%。

5.I saved up for a year to make a larger down payment 首付款 on my new house.

我攒了一年钱，以便能为我的新房子支付更高的首付款。

作文

A down payment is a significant aspect of purchasing a home or any large asset. It refers to the initial amount of money that a buyer pays upfront before securing financing for the remainder of the purchase price. Typically expressed as a percentage of the total price, the down payment (首付款) can vary depending on the type of loan and the lender's requirements. For instance, some conventional loans may require a down payment (首付款) of 20%, while government-backed loans like FHA might accept as little as 3.5%. This initial investment not only reduces the total amount borrowed but also demonstrates the buyer's commitment to the purchase.The importance of making a substantial down payment (首付款) cannot be overstated. First and foremost, a larger down payment (首付款) can lead to lower monthly mortgage payments, which can make homeownership more affordable in the long run. Additionally, a sizable down payment (首付款) can help buyers avoid private mortgage insurance (PMI), an extra cost that protects lenders in case of default. Avoiding PMI can save homeowners hundreds of dollars each month, significantly impacting their overall budget.Moreover, a robust down payment (首付款) can enhance a buyer's chances of getting approved for a mortgage. Lenders view a higher down payment (首付款) as a sign of financial stability and lower risk. When a buyer invests more of their own money into the property, lenders are more likely to trust their ability to repay the loan. This is particularly important in competitive housing markets where multiple offers are common.On the other hand, many potential buyers may find it challenging to save for a substantial down payment (首付款). The rising cost of living, student loans, and other financial obligations can make it difficult to set aside enough money. However, there are various strategies to help prospective homeowners accumulate their down payment (首付款). For example, setting up a dedicated savings account specifically for this purpose can help individuals stay focused on their goal. Additionally, some employers offer assistance programs that match employee contributions towards a down payment (首付款), providing further incentives to save.In conclusion, understanding the role and significance of a down payment (首付款) is crucial for anyone looking to purchase a home or make a significant investment. Not only does it affect the affordability of monthly payments and the overall cost of the loan, but it also impacts the likelihood of mortgage approval. While saving for a down payment (首付款) can be daunting, with careful planning and dedication, it is achievable. Ultimately, making a thoughtful and strategic down payment (首付款) can pave the way for a successful and sustainable homeownership experience.

首付款是购买房屋或任何大型资产的重要组成部分。它指的是买家在获得融资以支付剩余购买价格之前，提前支付的初始金额。通常以总价格的百分比表示，首付款可以根据贷款类型和贷方要求而有所不同。例如，一些传统贷款可能要求20%的首付款，而政府支持的贷款（如FHA）可能仅接受3.5%的首付款。这一初始投资不仅减少了借款总额，还表明了买家对购买的承诺。做出可观的首付款的重要性不容忽视。首先，更高的首付款可以降低每月的按揭付款，这在长期内可以使拥有房屋变得更加负担得起。此外，较大的首付款可以帮助买家避免私人按揭保险（PMI），这是一种保护贷方的额外费用，以防违约。避免PMI可以为房主节省数百美元的每月开支，对他们的整体预算产生显著影响。此外，强大的首付款可以增强买家获得按揭批准的机会。贷方将更高的首付款视为财务稳定和低风险的标志。当买家在物业上投资更多自己的资金时，贷方更有可能相信他们能够偿还贷款。这在竞争激烈的房地产市场中尤为重要，因为在这种市场中，多重报价是常见的。另一方面，许多潜在买家可能会发现很难为可观的首付款储蓄。生活成本的上升、学生贷款和其他财务义务可能使人们很难存下足够的钱。然而，有各种策略可以帮助未来的房主积累他们的首付款。例如，专门设立一个储蓄账户用于这一目的，可以帮助个人专注于他们的目标。此外，一些雇主提供援助计划，匹配员工为首付款的贡献，进一步激励储蓄。总之，理解首付款在购买房屋或进行重大投资中的作用和重要性，对于任何希望购房的人来说都是至关重要的。它不仅影响每月付款的可负担性和贷款的总体成本，还影响按揭批准的可能性。虽然为首付款储蓄可能令人生畏，但通过仔细的规划和奉献，它是可以实现的。最终，做出深思熟虑和战略性的首付款可以为成功和可持续的房屋拥有体验铺平道路。