remortgage

简明释义

英[ˌriːˈmɔːɡɪdʒ]美[ˌriːˈmɔːrɡɪdʒ]

n. 转抵押；再抵押权；转抵押借款

vt. 再抵押

复 数 r e m o r t g a g e s

第 三 人 称 单 数 r e m o r t g a g e s

现 在 分 词 r e m o r t g a g i n g

过 去 式 r e m o r t g a g e d

过 去 分 词 r e m o r t g a g e d

英英释义

单词用法

同义词

反义词

例句

1.If you do remortgage with your current lender it normally involves changing your existing deal.

如果你与你的转贷款通常是改变目前存在的对待你。

2.If you do remortgage with your current lender it normally involves changing your existing deal.

如果你与你的转贷款通常是改变目前存在的对待你。

3.When you remortgage you are ending your old mortgage deal and switching to a new one.

当你结束你的老转你转按揭交易和新车。

4.Secondly, it inquires into validity of remortgage by contractor and purchaser.

其次，对楼花再抵押的效力问题进行了分析。

5.These need to be taken into account when you are considering a remortgage .

这些需要加以考虑，当你正在考虑转。

6.I would like to remortgage.

我想要再抵押。

7.Many homeowners choose to remortgage their properties to take advantage of lower interest rates.

许多房主选择再抵押他们的房产，以利用更低的利率。

8.If you're looking to fund a home renovation, you might consider a remortgage to access extra cash.

如果你想为房屋装修提供资金，你可以考虑再抵押以获得额外现金。

9.Before deciding to remortgage, it's important to compare different lenders' offers.

在决定再抵押之前，比较不同贷款机构的报价是很重要的。

10.She decided to remortgage her home to consolidate her debts into one manageable payment.

她决定再抵押她的房子，将债务合并为一个可管理的付款。

11.A fixed-rate remortgage can provide stability in your monthly payments.

固定利率的再抵押可以为你的月供提供稳定性。

作文

In today's financial landscape, many homeowners are exploring various options to manage their mortgages effectively. One such option is to remortgage, which refers to the process of switching your existing mortgage to a new deal, often with a different lender. This can be a strategic move for homeowners looking to save money on their monthly payments or to access additional funds based on their home's equity. Understanding the concept of remortgage is crucial for anyone considering this financial decision. When a homeowner decides to remortgage, they typically do so for several reasons. One of the primary motivations is to secure a lower interest rate. Over time, interest rates fluctuate, and if a homeowner's original mortgage was taken out during a period of higher rates, they might find that they can save a significant amount by switching to a new mortgage with a lower rate. This not only reduces the monthly payment but can also lead to substantial savings over the life of the loan. Another reason for remortgage is to release equity tied up in the property. As property values increase, homeowners may wish to access some of that equity for various purposes, such as home improvements, paying off debts, or funding significant expenses like education or travel. By remortgageing, they can borrow against this increased value, allowing them to achieve their financial goals without having to sell their home. However, it is essential to approach the decision to remortgage with careful consideration. There are costs associated with the process, including potential early repayment charges on the existing mortgage, legal fees, and valuation costs. Homeowners should calculate whether the potential savings from a lower interest rate or accessing equity outweigh these costs. It is often advisable to consult with a financial advisor or mortgage broker who can provide insights tailored to individual circumstances. Additionally, the timing of a remortgage can significantly impact its benefits. For example, homeowners should keep an eye on market trends and interest rate movements. If rates are expected to rise, it may be prudent to remortgage sooner rather than later. Conversely, if rates are stable or declining, waiting might yield better options in the future. In conclusion, remortgage offers homeowners a valuable opportunity to optimize their mortgage arrangements. Whether the goal is to reduce monthly payments or access cash for other investments, understanding the intricacies of remortgage is vital. By weighing the advantages and potential drawbacks, homeowners can make informed decisions that align with their financial objectives. Ultimately, remortgage can serve as a powerful tool in managing personal finances and enhancing overall financial well-being.

在当今的金融环境中，许多房主正在探索各种选项，以有效管理他们的按揭。其中一个选项是再抵押，指的是将现有按揭转换为新的交易，通常与不同的贷款人。这对于希望节省每月还款或根据房屋的净值获得额外资金的房主来说，是一种战略性举措。理解再抵押的概念对任何考虑这一财务决策的人来说至关重要。 当房主决定再抵押时，他们通常出于几个原因。主要动机之一是确保更低的利率。随着时间的推移，利率波动，如果房主的原始按揭是在较高利率期间签订的，他们可能会发现通过切换到新按揭以较低利率可以节省大量资金。这不仅降低了每月还款，还可能在贷款期限内节省可观的金额。 另一个再抵押的原因是释放房产中的净值。随着房产价值的增加，房主可能希望访问一些净值用于各种目的，例如家庭改善、偿还债务或资助重大开支，如教育或旅行。通过再抵押，他们可以借用这部分增加的价值，使他们能够实现财务目标，而无需出售房屋。 然而，必须谨慎考虑再抵押的决策。这个过程涉及成本，包括对现有按揭的潜在提前还款费用、法律费用和评估费用。房主应该计算从较低利率或获取净值中获得的潜在节省是否超过这些成本。通常建议咨询财务顾问或按揭经纪人，他们可以提供针对个人情况的见解。 此外，再抵押的时机也可能显著影响其好处。例如，房主应关注市场趋势和利率变动。如果预计利率会上升，尽早再抵押可能更为明智。相反，如果利率稳定或下降，等待可能会在未来带来更好的选择。 总之，再抵押为房主提供了优化按揭安排的宝贵机会。无论目标是降低每月还款还是获取现金进行其他投资，了解再抵押的复杂性至关重要。通过权衡优缺点，房主可以做出符合其财务目标的明智决策。最终，再抵押可以作为管理个人财务和增强整体财务健康的强大工具。