mort‧gage 1 W3 / mɔɡɪdʒ $ mɔr- / 名词 [可数名词]

1 a legal arrangement by which you borrow money from a bank or similar organization in order to buy a house, and pay back the money over a period of years :

Your building society or bank will help arrange a mortgage.

They’ve taken out a 30-year mortgage (= they will pay for their house over a period of 30 years ) .

We decided to use Fred’s redundancy money to pay off the mortgage (= pay back all the money we borrowed for a mortgage ) .

Mortgage rates are set to rise again in the spring.

She was having trouble meeting her mortgage payments .

2 the amount of money you borrow in the form of a mortgage :

If you earn £20,000 per year, then you may be able to get a mortgage of £60,000.

COLLOCATIONS

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have a mortgage They have a mortgage on a small house in North London.

take out a mortgage (= borrow money to buy a house ) We took out a 25-year mortgage.

get a mortgage We couldn’t get a mortgage.

pay/repay a mortgage If I lose my job, we won’t be able to pay the mortgage.

pay off a mortgage (= finish paying all the money you owe ) They paid off their mortgage five years early.

fall/get behind with the mortgage (= be unable to pay enough money each month ) He fell behind with the mortgage when he lost his job.

形容词

big/high They both need to work full-time because their mortage is so big.

cheap (= with a low interest rate ) Homebuyers are eager to take advantage of the cheap mortgages on offer.

mortgage + NOUN

a mortgage payment If interest rates go down, your mortgage payments will fall.

the mortgage rate (= the rate of interest you will pay on a mortgage ) You need to shop around for a good mortgage rate.

a mortgage lender (= a bank that provides mortgages ) Nearly all mortgage lenders plan to raise their interest rates.

THESAURUS

loan 名词 [可数名词] an amount of money that is borrowed, especially from a bank or company, which you agree to pay back by the end of a period of time : We took out a loan to buy a new car. | He is paying back a $50,000 loan.

mortgage 名词 [可数名词] a large amount of money that someone borrows from a bank or company to buy a house : Nick told me the mortgage on his apartment is worth about $90,000. | Anyone taking out a mortgage should be aware that interest rates can go up at any time. | It took my parents nearly thirty years to pay off their mortgage .

interest 名词 [不可数名词] money that you pay for borrowing money, especially that you pay every year or every month at a fixed rate : Credit companies charge huge amounts of interest. | What’s the interest on the loan?

overdraft 名词 [可数名词] British English the amount of money that you owe to bank when you have spent more money than you had in your account : I left university with no job and a big overdraft. | 20% of the bank’s customers regularly use their overdraft facility. | You have to pay a fee for unauthorized overdrafts.

debt 名词 [可数和不可数名词] an amount of money that a person or organization owes : The company now has debts of almost £2 million. | A lot of the money went towards paying his debts. | The family were $100,000 in debt (= they owed $100,000 ) .

credit 名词 [不可数名词] an arrangement with a shop or bank that allows you to buy something and pay for it later : We bought the furniture on credit . | He had a credit limit of £7,000.