loan

简明释义

英[ləʊn]美[loʊn]

n. 贷款，借款；借用，借出；<苏格兰>（尤指通向开阔地的）小径；（未开垦的开阔的）挤奶牧场

v. 借出，借给

复 数 l o a n s

第 三 人 称 单 数 l o a n s

现 在 分 词 l o a n i n g

过 去 式 l o a n e d

过 去 分 词 l o a n e d

英英释义

单词用法

同义词

反义词

例句

1.The book you wanted is out on loan.

你要的那本书借出去了。

2.He asked her to pledge the house as security for a loan.

他要她抵押房子作为贷款担保。

3.She arranged a loan with the bank.

她和银行商定了一项贷款。

4.Should I take out a loan?

我该去贷款吗？

5.You can pay back the loan over a period of three years.

你可以在三年内分期归还贷款。

6.They offered me a loan on very favourable terms.

他们提出以十分优惠的条件贷款给我。

7.I need to apply for a loan to buy a new car.

我需要申请一笔贷款来买一辆新车。

8.The bank approved my loan application within a week.

银行在一周内批准了我的贷款申请。

9.She took out a student loan to pay for her college tuition.

她申请了一笔学生贷款来支付大学学费。

10.He is struggling to repay his personal loan on time.

他正在努力按时偿还个人贷款。

11.They offered me a low-interest loan for my home renovation.

他们为我的房屋装修提供了低利率的贷款。

作文

In today's world, financial transactions play a crucial role in our daily lives. One of the most common forms of financial assistance is a loan, which refers to the act of giving money to someone with the expectation that it will be paid back with interest over time. 贷款 can take many forms, including personal loans, mortgages, and business loans. Understanding the concept of a loan is essential for anyone looking to manage their finances effectively. A personal loan is often used by individuals to cover unexpected expenses or to consolidate debt. For instance, if someone faces a medical emergency or needs to repair their car, they might seek a personal loan. These loans typically have higher interest rates compared to secured loans because they are usually unsecured, meaning there is no collateral backing the loan. This makes them riskier for lenders and, therefore, more expensive for borrowers. In Chinese, this type of financial assistance is referred to as 个人贷款. Mortgages are another common type of loan. When people decide to buy a home, they often do not have enough savings to pay for the property outright. Instead, they apply for a mortgage, which is a specific type of loan secured by the property itself. If the borrower fails to make payments, the lender has the right to foreclose on the property. This type of loan is usually characterized by lower interest rates and longer repayment terms, making it more manageable for homeowners. In Chinese, a mortgage is referred to as 抵押贷款. Business loans are essential for entrepreneurs and companies looking to expand their operations or invest in new projects. These loans can help cover costs such as inventory purchases, equipment upgrades, or even marketing campaigns. Business loans can be secured or unsecured, depending on the amount borrowed and the lender's requirements. Many small businesses rely on these types of loans to maintain cash flow and support growth. In Chinese, a business loan is called 商业贷款. When considering taking out a loan, it is crucial to evaluate one's financial situation carefully. Borrowers should assess their ability to repay the loan within the agreed timeframe while also considering the interest rates and any additional fees associated with the loan. Failing to repay a loan can lead to severe financial consequences, including damaged credit scores and potential legal action from lenders. Thus, understanding the terms and conditions of a loan is vital. In conclusion, a loan serves as a valuable financial tool that can help individuals and businesses achieve their goals. Whether it's for personal needs, buying a home, or expanding a business, understanding how loans work and their implications is essential for financial health. As we navigate through various financial decisions, being informed about the nature of loans will empower us to make better choices and foster a more secure financial future. In Chinese, we can summarize by saying that understanding 贷款 is important for managing our finances wisely.

在当今世界，金融交易在我们的日常生活中发挥着至关重要的作用。最常见的财务援助形式之一是贷款，指的是将钱借给某人，并期望他们在一段时间内连本带利地偿还。贷款可以有多种形式，包括个人贷款、抵押贷款和商业贷款。理解贷款的概念对任何希望有效管理财务的人来说都是必不可少的。 个人贷款通常被个人用来支付意外支出或整合债务。例如，如果某人面临医疗紧急情况或需要修理汽车，他们可能会寻求个人贷款。与有担保贷款相比，这些贷款的利率通常较高，因为它们通常是无担保的，意味着没有抵押品支持贷款。这使得它们对贷款人而言风险更大，因此对借款人来说成本更高。在中文中，这种类型的金融援助被称为个人贷款。 抵押贷款是另一种常见的贷款类型。当人们决定购买房屋时，他们通常没有足够的储蓄来全额支付该物业。相反，他们申请抵押贷款，这是一种特定类型的以物业本身作为担保的贷款。如果借款人未能按时还款，贷款人有权对物业进行止赎。这种类型的贷款通常具有较低的利率和较长的还款期限，使得房主更易于管理。在中文中，抵押贷款被称为抵押贷款。 商业贷款对企业家和希望扩大运营或投资新项目的公司至关重要。这些贷款可以帮助支付库存采购、设备升级甚至营销活动等费用。商业贷款可以是有担保或无担保的，具体取决于借款金额和贷款人的要求。许多小企业依赖这些类型的贷款来维持现金流并支持增长。在中文中，商业贷款称为商业贷款。 在考虑申请贷款时，仔细评估个人的财务状况至关重要。借款人应评估自己在约定的时间内偿还贷款的能力，同时考虑利率和与贷款相关的任何附加费用。未能偿还贷款可能导致严重的财务后果，包括信用评分受损和贷款人可能采取的法律行动。因此，了解贷款的条款和条件至关重要。 总之，贷款作为一种有价值的金融工具，可以帮助个人和企业实现目标。无论是个人需求、购房还是扩展业务，了解贷款的运作及其影响对财务健康至关重要。在我们处理各种财务决策时，了解贷款的性质将使我们能够做出更好的选择，并促进更安全的财务未来。用中文总结，我们可以说，理解贷款对明智管理财务非常重要。