| 词组 | loan |
| 释义 | loan /ləʊn $ loʊn/ noun an amount of money that you borrowverbsget a loan She got a loan from the bank.take out a loan (=borrow money) I had to take out a loan to buy my car. | Most home buyers take out a loan.repay/pay off/pay back a loan (=give back the money you borrowed, usually over a period of time) It’ll be years before we’ve paid off the loan. | You can repay the loan early without a penalty.give/make sb a loan We’re hoping my dad will give us a loan. | Banks are cautious about making new loans.ask sb for a loan He asked his father for a loan.apply for a loan (=officially ask for a loan) To apply for a loan, fill out this online form.arrange a loan Do you need help arranging a loan?refuse sb a loan Did the bank say why they refused her the loan?secure a loan (on sth) (=agree to give the lender something if you do not pay back the loan on time) The loan was secured on his home.adjectives/nouns + loana £20,000/$5,000 etc loan The company asked for a £100,000 loan.a bank loan If my parents won’t lend me the money, I’ll have to get a bank loan.a home/car loan They took out a 30-year home loan.a business loan (=money lent to a business) The bank offers a range of business loans to meet the needs of small businesses.a student loan Many college graduates are paying off huge student loans.a long-term/short-term loan (=to be paid back after a long or short time) I intended the money as a short-term loan.an interest-free/low-interest loan (=on which you pay no/little interest) They offer an interest-free loan for two years. | a low-interest loan to the country from the International Development Associationan unsecured loan (=one that does not make you promise to give the bank something if you do not pay it back) Because it’s an unsecured loan, you will not have to offer your home as security.a personal loan (=money lent to a person, rather than a company) If you want money for house improvements, you can get a personal loan.loan + nounsa loan repayment Your monthly loan repayments will be $200.a loan agreement (=a document that says how much a loan will be, how much you will pay back each month etc) Read the terms of your loan agreement carefully.THESAURUS: loan mortgage 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 over $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 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? | I want an investment that pays a high rate of interest. | You can borrow money at low rates of interest. overdraft BrE the amount of money that you owe to a bank when you have spent more money than you had in your account: I left university with no job and a big overdraft. | She had to take out an overdraft to pay for the car. | It will take me a long time to pay off my overdraft. | You have to pay a fee for unauthorized overdrafts. | 20% of the bank’s customers regularly use their overdraft facility. debt 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 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 has a credit limit of £7,000. |
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