foreclosure

简明释义

英[fɔːˈkləʊʒə(r)]美[fɔːrˈkloʊʒər]

n. 丧失抵押品赎回权

复 数 f o r e c l o s u r e s

英英释义

单词用法

同义词

反义词

例句

1.A family facing foreclosure found a valuable Superman comic book in their basement.

一个面临赎回权丧失的家庭在其地下室发现了一本价值不菲的超人漫画书。

2.I'm afraid you'd known how close you are to a foreclosure.

恐怕你早就已经晓得了你是如此接近失去你的赎回权了。

3.Foreclosure rate: 0.27%.

取消抵押贷款赎回率：0.27%。

4.At any one time, about 16% are delinquent and over 4% are in actual foreclosure.

在同一时间，大约有16%以上的罪犯都在4%实际赎。

5.Foreclosure rate: 0.24%.

取消抵押贷款赎回率：0.24%。

6.Success of the foreclosure rescue is far from certain.

止赎救助成功与否还远不能确定。

7.Only through the help of a friendly lawyer did they escape foreclosure.

通过一位友善的律师的帮助，他们才避免丧失抵押品赎回权。

8.Will this program help me refinance my loan or prevent foreclosure?

此项救助计划能帮助人们对贷款再融资或避免出现资产止赎吗？

9.The bank initiated the foreclosure process after the homeowner missed several mortgage payments.

在房主错过几次按揭付款后，银行启动了止赎程序。

10.Many families face foreclosure during economic downturns when they cannot afford their homes.

许多家庭在经济衰退时面临止赎，因为他们无法负担自己的住房。

11.The auction for properties in foreclosure can attract many investors looking for bargains.

处于止赎状态的房产拍卖可以吸引许多寻找便宜货的投资者。

12.Understanding the foreclosure process is essential for homeowners at risk of losing their property.

了解止赎过程对于面临失去财产风险的房主至关重要。

13.She was devastated to learn that her house was in foreclosure due to unpaid taxes.

她得知自己的房子因未缴税款而处于止赎状态时感到非常沮丧。

作文

The concept of foreclosure is one that many people may not fully understand until they are faced with the reality of losing their home. In simple terms, foreclosure refers to the legal process by which a lender takes possession of a property after the borrower fails to make the required mortgage payments. This process can be devastating for families and individuals who find themselves in financial trouble. It often leads to the loss of not only their home but also their sense of security and stability. In today's economy, the risk of foreclosure has become more prevalent due to various factors such as job loss, medical emergencies, and unexpected expenses. Many homeowners who once felt secure in their financial situation may suddenly find themselves struggling to keep up with their mortgage payments. When this happens, it is crucial for them to understand their options and the implications of foreclosure. There are several stages in the foreclosure process. Initially, when a homeowner misses a payment, the lender will send a notice of default, informing them that they are behind on their mortgage. If the payments are not made within a specified period, the lender may file for foreclosure. This can lead to a public auction where the property is sold to the highest bidder, often for much less than its market value. To avoid foreclosure, homeowners can explore various alternatives. One option is to negotiate with the lender for a loan modification, which may involve adjusting the interest rate or extending the loan term to make payments more manageable. Another possibility is to sell the home through a short sale, where the property is sold for less than the outstanding mortgage balance, with the lender's approval. This can be a less damaging option than foreclosure, as it allows the homeowner to walk away from the debt without the severe consequences of losing their home through the legal process. Furthermore, seeking assistance from housing counselors or financial advisors can provide valuable guidance. These professionals can help homeowners understand their rights and options, and may even assist in negotiating with lenders. It is essential for homeowners facing foreclosure to act quickly and seek help before the situation escalates. The emotional toll of foreclosure cannot be overstated. Losing a home is often seen as a personal failure, leading to feelings of shame, anxiety, and depression. Families may have to uproot their lives, changing schools and jobs, which can further exacerbate their stress. Society must recognize the human impact of foreclosure and work towards providing support systems for those affected. In conclusion, understanding foreclosure is essential for anyone who owns a home or is considering purchasing one. Knowledge about the process, alternatives, and available resources can empower homeowners to make informed decisions during challenging times. By addressing the underlying issues that lead to foreclosure, we can help create a more stable housing market and support families in maintaining their homes and livelihoods.

这个单词“foreclosure”的概念是许多人在面临失去家园的现实之前可能并不完全理解的。简单来说，foreclosure指的是当借款人未能按要求偿还抵押贷款时，贷方通过法律程序接管财产的过程。这个过程对家庭和个人来说可能是毁灭性的，他们发现自己陷入经济困境。这往往导致不仅失去家园，还失去安全感和稳定感。 在当今经济中，由于失业、医疗紧急情况和意外开支等各种因素，foreclosure的风险变得更加普遍。许多曾经感到财务状况安全的房主，可能会突然发现自己难以跟上抵押贷款付款。当这种情况发生时，了解他们的选择和foreclosure的影响至关重要。 foreclosure过程有几个阶段。最初，当房主错过付款时，贷方会发送违约通知，告知他们已经拖欠抵押贷款。如果在规定时间内未能付款，贷方可能会申请foreclosure。这可能导致公开拍卖，财产被以远低于市场价值的价格出售给出价最高的竞标者。 为了避免foreclosure，房主可以探索各种替代方案。一种选择是与贷方协商贷款修改，这可能涉及调整利率或延长贷款期限，以使付款更易于管理。另一种可能性是通过短售出售房屋，即以低于未偿还抵押贷款余额的价格出售财产，并获得贷方的批准。这可以是一种比foreclosure更不具破坏性的选择，因为它允许房主在没有通过法律程序失去家园的严重后果的情况下解除债务。 此外，寻求住房顾问或财务顾问的帮助可以提供宝贵的指导。这些专业人士可以帮助房主了解他们的权利和选择，甚至可能协助与贷方进行谈判。面对foreclosure的房主必须迅速采取行动，并在情况升级之前寻求帮助。 foreclosure的情感影响不可小觑。失去家园通常被视为个人失败，导致羞愧、焦虑和抑郁的感觉。家庭可能不得不搬迁，改变学校和工作，这可能进一步加剧他们的压力。社会必须认识到foreclosure对人类的影响，并努力为受影响者提供支持系统。 总之，了解foreclosure对任何拥有房屋或考虑购买房屋的人来说都是至关重要的。了解这一过程、替代方案和可用资源可以使房主在困难时期做出明智的决定。通过解决导致foreclosure的根本问题，我们可以帮助创造一个更稳定的住房市场，并支持家庭维护他们的房屋和生计。