| 单词 | loan |
| 释义 | loan loan /; AmE / noun, verb
■ noun [C]
AMORTIZING LOAN, BACK-TO-BACK LOAN, BAD LOAN, BRIDGE LOAN, CALL LOAN, COMMERCIAL LOAN, CONSUMER LOAN, DEMAND LOAN, DISCOUNT LOAN, HANG-OUT LOAN, HARD LOAN, HOME EQUITY LOAN, HOME LOAN, PROPERTY LOAN, REAL ESTATE LOAN, REVOLVING LOAN, SIGNATURE LOAN, SOFT LOAN, TERM LOAN, TIED LOAN
money that an organization such as a bank lends and sb borrows: The government offers low-interest loans to small companies. Many people take out a loan to buy a new car. The loans should be repaid within ten years. The company had breached the terms of its loan agreement. The banks have refused to extend (= give) more loans to the company. Lower interest rates have made it easier for companies to service (= pay interest on) their loans. Bad debts stand at 0.89% of their loan portfolio. ⇨ LOAN SERVICING See note at LEND
a high-interest/an interest-free/a low-interest/no-interest loan ◆ a long-term/short-term loan ◆ consumer/corporate/personal loans ◆ to apply for/arrange/take out a loan ◆ to get/give sb/make sb a loan ◆ to pay back/pay off/repay a loan ◆ a loan agreement/facility/repayment
WHICH WORD?
loan/facility/home loan/mortgage/overdraft
All these words are used to describe money that banks lend to customers.
Loan is the most general word and is used about money lent both to individuals and businesses. Loans can be paid back over short or long periods of time and can be small or large.
Mortgages or home loans are used by individuals to buy homes. The amount borrowed is large and paid back over a number of years.
Overdrafts are used by individuals and businesses. An overdraft differs from a loan in that there is not a particular amount of money that is lent at a particular time. It is an arrangement to borrow up to an agreed amount whenever you need it. You obtain the money through your bank account.
Facility is used to describe any arrangement in which a person or company can borrow money during a particular period of time up to an agreed amount. This can be an overdraft, or it may have special conditions and be established for a particular purpose: The company has secured a short-term facility to fund the purchase. See note at LEND
■ verb [+ obj] (especially AmE) loan sth (to sb) | loan (sb) sth to lend sth to sb, especially money: The bank loaned the business more than $200 000. Lenders are reluctant to loan money to those they consider to be a financial risk. He bought that car with money that the company had loaned him. SYN LEND |
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