loan ♦︎ credit ♦︎ mortgage ♦︎ advance ♦︎ overdraftThese are all words for money that a person or an organization such as a bank lends sb.這些詞均表示借款、貸款。PATTERNS AND COLLOCATIONS 句型和搭配◆a loan / credit / a mortgage / an advance / an overdraft from sb / an organization◆a mortgage / an advance on sth◆a large / huge loan / mortgage / advance / overdraft◆(a) low-interest loan / credit / mortgage / overdraft◆(a) cheap loan / credit / mortgage◆(an) interest-free loan / credit / overdraft◆a temporary loan / mortgage / overdraft◆(a) bank loan / credit / mortgage / overdraft◆to have a loan / a mortgage / an advance / an overdraft◆to get a loan / credit / a mortgage / an advance◆to obtain / arrange / apply for / refuse sb / deny sb (a) loan / credit / a mortgage◆to take out / request / pay off / repay a loan / mortgage■loan [countable] money that an organization such as a bank lends to sb貸款;借款◆I'm going to have to take out a bank loan(= to borrow money from a bank) to pay for the car.我得要貸款買車了。◆It took three years to repay my student loan(= money lent to a student).我用了三年時間才還清助學貸款。◆He ran up massive debts borrowing from loan sharks(= people who lend money at very high rates of interest).他因借高利貸而負債累累。 see also loan ⇨ lendverb■credit ˈkredɪt [uncountable] an arrangement that you make, for example with a shop, to pay later for sth you buy; money that a bank lends to you賒購;賒欠;(從銀行借的)借款,貸款◆We bought the dishwasher on credit.那台洗碗機是我們賒購來的。◆We offer two months' interest-free credit.我們提供兩個月的免息賒購。◆Your credit limit is now £2 000.你的信用額度現在爲2 000英鎊。◆The bank refused further credit to the company.銀行拒絕繼續爲這家公司提供貸款。 see also debit ⇨ debtNOTE辨析 Loan or credit?A loan is a particular official agreement to borrow an amount of money and pay it back later; credit is a general term for any money that a bank makes available to a customer, when that customer does not already have that amount in their own account. * loan指的是一種正式貸款協議;credit泛指銀行爲賬戶資金不足的客戶提供的借款。■mortgageˈmɔːgɪdʒ; NAmEˈmɔːrgɪdʒ [countable] a legal agreement by which a bank or similar organization lends you money to buy a house or other property, and you pay the money back over a particular number of years; the sum of money that you borrow按揭;按揭貸款;抵押貸款◆Do you have a mortage on this house?你這所房子有按揭貸款嗎?◆Fortunately we've already paid off our mortgage.幸好我們已還清了抵押貸款。◆Mortgage rates(= of interest) are up again this month.按揭貸款利率本月又上漲了。▸mortgage
verb
[transitive] ◆He had to mortgage his house to pay his legal costs.他不得不把房子抵押出去來付訴訟費。■advance [countable, usually singular] money paid for work before it has been done or money paid earlier than expected預付工資;預付款◆They offered an advance of £5 000 after the signing of the contract.他們在合同簽訂後預付了5 000英鎊。◆She asked for an advance on her salary.她要求預支薪金。 see also advance ⇨ lend■overdraft [countable]ˈəʊvədrɑːft; NAmEˈoʊvərdræftthe amount of money that you owe to a bank when you have spent more money than is in your bank account; an arrangement that allows you to do this透支額;透支安排◆She had run up an overdraft of £3 000.她的透支額累計達3 000英鎊。◆I had to arrange an overdraft to pay for the car.我不得不通過透支來償付購車款。▸overdraw
verb
[transitive] (especially BrE) ◆Customers who overdraw their accounts will be charged a fee.透支的存戶須付費。▸overdrawn
adjective
◆I'm overdrawn by £100.我透支了100英鎊。◆Your account is £200 overdrawn.您的賬戶已透支200英鎊。
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