down payment

简明释义

订金

英英释义

例句

1.I saved for years to make a large down payment on my first house.

我存了好几年，准备为我的第一套房子支付一笔大的首付款。

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

她能够与汽车经销商协商出更低的首付款。

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

银行要求按揭贷款的首付款为20%。

4.You can use a gift from your parents as part of your down payment.

你可以将父母的赠款作为首付款的一部分。

5.Many first-time homebuyers struggle to save enough for a down payment.

许多首次购房者很难存够钱来支付首付款。

作文

A down payment is a crucial concept in the realm of finance, particularly when it comes to purchasing significant assets like homes or vehicles. Essentially, a down payment refers to an initial upfront payment made when acquiring an expensive item. This amount is typically expressed as a percentage of the total purchase price. For instance, when buying a house, buyers are often required to make a down payment that can range from 3% to 20% of the home's price. This initial investment serves multiple purposes and has various implications for both buyers and sellers.Firstly, making a substantial down payment can significantly reduce the amount of money one needs to borrow. For example, if a person wants to buy a house worth $300,000 and makes a down payment of 20%, they will only need to finance $240,000 through a mortgage. This not only lowers the monthly mortgage payments but also decreases the total interest paid over the life of the loan. Lenders view larger down payments as a sign of financial stability, which can lead to better loan terms and lower interest rates.Secondly, a down payment acts as a form of security for the lender. When a buyer invests their own money into the purchase, they are more likely to take the responsibility of repaying the loan seriously. This reduces the risk for the lender, as borrowers with more equity in their homes are less likely to default on their loans. Consequently, lenders may offer more favorable conditions to those who can provide a larger down payment.Moreover, the size of the down payment can influence the buyer's overall financial strategy. A larger upfront payment means that the buyer will have less debt to manage, which can lead to greater financial freedom in the long run. It allows them to allocate funds towards other investments or savings, rather than being tied down by high monthly payments. Additionally, having a significant down payment can make the home-buying process less stressful, as buyers may feel more confident in their financial situation.On the other hand, not everyone can afford to make a large down payment. Many first-time homebuyers struggle to save enough money for this initial payment, which can be a barrier to homeownership. In such cases, there are various programs and assistance options available that can help buyers with their down payment. These programs aim to make homeownership more accessible by providing grants or low-interest loans specifically for down payments.In conclusion, understanding the role of a down payment is essential for anyone looking to make a significant purchase, particularly in real estate. It impacts not only the financing options available but also the overall financial health of the buyer. By making a well-informed decision regarding the size of a down payment, individuals can position themselves for success in their financial endeavors. Whether you are a seasoned investor or a first-time buyer, recognizing the importance of a down payment can pave the way for a more secure financial future.

首付款是金融领域中的一个重要概念，特别是在购买房屋或车辆等重大资产时。基本上，down payment指的是在购买昂贵物品时所做的初始预付款。这笔金额通常以总购买价格的百分比表示。例如，在购买房屋时，买方通常需要支付的down payment范围可以从房价的3%到20%不等。这项初始投资有多种目的，并对买方和卖方都有不同的影响。首先，支付一笔可观的down payment可以显著减少借款金额。例如，如果一个人想购买价值30万美元的房屋，并支付20%的down payment，那么他们只需通过抵押贷款融资24万美元。这不仅降低了每月的抵押贷款还款额，还减少了贷款期限内的总利息支出。贷款机构将较大的down payments视为财务稳定的标志，这可能导致更好的贷款条件和更低的利率。其次，down payment充当贷款人的一种安全保障。当买方投资自己的资金用于购买时，他们更有可能认真履行偿还贷款的责任。这降低了贷款人的风险，因为拥有更多自有住房权益的借款人不太可能违约。因此，能够提供较大down payment的借款人可能会获得更优惠的条件。此外，down payment的大小可能会影响买方的整体财务策略。较大的首付款意味着买方需要管理的债务较少，这在长期内可以带来更大的财务自由。这使他们能够将资金分配到其他投资或储蓄中，而不是被高额的月供所束缚。此外，拥有可观的down payment可以使购房过程更轻松，因为买方可能会对自己的财务状况感到更加自信。另一方面，并不是每个人都能负担得起较大的down payment。许多首次购房者在为这笔初始付款存钱方面苦苦挣扎，这可能成为购房的障碍。在这种情况下，有各种计划和援助选项可以帮助买家支付down payment。这些程序旨在通过提供专门用于首付款的赠款或低息贷款，使购房更加可及。总之，了解down payment的作用对于任何想要进行重大购买的人来说都是至关重要的，尤其是在房地产方面。它不仅影响可用的融资选项，还影响买方的整体财务健康。通过对down payment的大小做出明智的决定，个人可以为自己的财务事业铺平成功之路。无论你是经验丰富的投资者还是首次购房者，认识到down payment的重要性都能为更安全的财务未来铺平道路。