When you want to buy a house, but you don't have enough money, you can 抵押, or mortgage, the house.
This means you borrow money from a bank. The house becomes collateral.
If you don't pay back the money, the bank can take the house. It's a big commitment!
So, when you hear about someone buying a house, they often need to 抵押 it.
When you want to express the idea of mortgaging something in Chinese, the verb to use is 抵押 (dǐyā). It specifically refers to the act of using property, like a house or land, as collateral for a loan. This means if you can't pay back the loan, the lender has the right to take possession of the property.
For example, if someone takes out a loan to buy a house, they would 抵押 (dǐyā) the house to the bank. It's a formal term often used in financial and legal contexts, so it's good to understand its precise meaning.
§ Basic Usage of 抵押 (dǐyā)
The word 抵押 (dǐyā) is a verb that means 'to mortgage' in Chinese. It's usually used when you're talking about using property, like a house or land, as collateral for a loan. Think of it like putting something up as security. The structure is pretty straightforward.
- Definition
- To mortgage; to pledge (property).
他们决定把房子抵押给银行。
Here, 他们 (tāmen) means 'they', 决定 (juédìng) means 'decided', 把 (bǎ) is a preposition for direct objects, 房子 (fángzi) means 'house', 给 (gěi) means 'to' or 'for', and 银行 (yínháng) means 'bank'. So, 'They decided to mortgage the house to the bank.'
§ Using 抵押 (dǐyā) with Different Objects
You can mortgage different kinds of assets. It's not just limited to houses. Any valuable property can be used as collateral.
抵押 + 房产 (fángchǎn) - Real estate: This is the most common use.
公司用土地和厂房抵押贷款。
公司 (gōngsī) 'company', 用 (yòng) 'use', 土地 (tǔdì) 'land', 和 (hé) 'and', 厂房 (chǎngfáng) 'factory buildings', 贷款 (dàikuǎn) 'loan'. So, 'The company used land and factory buildings as collateral for a loan.'
抵押 + 车辆 (chēliàng) - Vehicle: You can also mortgage vehicles.
他把自己的车抵押了。
他 (tā) 'he', 把 (bǎ) his, 自己的 (zìjǐ de) 'own', 车 (chē) 'car', 了 (le) 'completed action'. 'He mortgaged his car.'
抵押 + 股票 (gǔpiào) - Stocks: Less common for individuals, but businesses might do this.
这家公司用股票作为抵押。
这家 (zhè jiā) 'this (company)', 公司 (gōngsī) 'company', 用 (yòng) 'use', 股票 (gǔpiào) 'stocks', 作为 (zuòwéi) 'as', 抵押 (dǐyā) 'collateral/mortgage'. 'This company used stocks as collateral.'
§ Related Terms and Phrases
Knowing these related terms will help you understand the full context of 'mortgaging' in Chinese.
抵押贷款 (dǐyādàikuǎn) - Mortgage loan: This is the noun form, referring to the loan itself.
申请抵押贷款需要很多文件。
申请 (shēnqǐng) 'apply for', 需要 (xūyào) 'need', 很多 (hěnduō) 'many', 文件 (wénjiàn) 'documents'. 'Applying for a mortgage loan requires many documents.'
抵押物 (dǐyāwù) - Collateral / Mortgaged property: The actual item being mortgaged.
银行会评估抵押物的价值。
银行 (yínháng) 'bank', 会 (huì) 'will', 评估 (pínggū) 'evaluate', 价值 (jiàzhí) 'value'. 'The bank will evaluate the value of the collateral.'
解除抵押 (jiěchú dǐyā) - To release a mortgage: When the loan is paid off.
还清贷款后，他们就可以解除抵押了。
还清 (huánqīng) 'pay off', 贷款 (dàikuǎn) 'loan', 后 (hòu) 'after', 他们 (tāmen) 'they', 就 (jiù) 'then', 可以 (kěyǐ) 'can'. 'After paying off the loan, they can release the mortgage.'
Fun Fact
The concept of using assets as collateral for loans has a long history in China, predating modern banking systems.
Idioms & Expressions
"抵押贷款 (dǐyā dàikuǎn)"
Mortgage loan
他申请了抵押贷款来购买新房。(He applied for a mortgage loan to buy a new house.)
neutral"抵押品 (dǐyāpǐn)"
Collateral; security (for a loan)
银行要求他提供抵押品。(The bank required him to provide collateral.)
neutral"抵押给银行 (dǐyā gěi yínháng)"
To mortgage to the bank
他把房子抵押给银行。(He mortgaged his house to the bank.)
neutral"解除抵押 (jiěchú dǐyā)"
To release a mortgage
还清贷款后，他解除了抵押。(After paying off the loan, he released the mortgage.)
neutral"抵押合同 (dǐyā hétong)"
Mortgage contract
双方签署了抵押合同。(Both parties signed the mortgage contract.)
neutral"无抵押 (wú dǐyā)"
Unsecured (loan)
他获得了一笔无抵押贷款。(He obtained an unsecured loan.)
neutral"作抵押 (zuò dǐyā)"
To serve as collateral
这块地可以作抵押。(This piece of land can serve as collateral.)
neutral"不动产抵押 (búdòngchǎn dǐyā)"
Real estate mortgage
不动产抵押是常见的贷款方式。(Real estate mortgage is a common loan method.)
neutral"抵押权 (dǐyāquán)"
Mortgage right
银行拥有房屋的抵押权。(The bank holds the mortgage right to the house.)
neutral"再抵押 (zài dǐyā)"
Remortgage
他考虑再抵押他的房产。(He is considering remortgaging his property.)
neutralWord Origin
The character '抵' (dǐ) originally meant 'to resist' or 'to oppose,' and later developed the meaning 'to reach' or 'to arrive at.' The character '押' (yā) meant 'to detain,' 'to pledge,' or 'to pawn.'
Original meaning: Together, '抵押' originally referred to pledging something as security, often involving detaining an item until a debt was paid.
Sino-Tibetan, Sinitic, ChineseCultural Context
In contemporary China, mortgages are a fundamental aspect of housing ownership, particularly in urban areas where property values are high. The decision to take out a mortgage is a significant financial commitment for most families. The term is also used in broader financial contexts for pledging assets as security.
Practice in Real Life
Real-World Contexts
Buying a house/property
- 办理抵押贷款 (bànlǐ dǐyā dàikuǎn) - apply for a mortgage loan
- 房屋抵押 (fángwū dǐyā) - house mortgage
- 抵押合同 (dǐyā hétong) - mortgage contract
Taking out a loan
- 抵押品 (dǐyāpǐn) - collateral/mortgage (noun)
- 汽车抵押贷款 (qìchē dǐyā dàikuǎn) - car mortgage loan
- 抵押资产 (dǐyā zīchǎn) - mortgage assets
Financial discussions
- 抵押风险 (dǐyā fēngxiǎn) - mortgage risk
- 解除抵押 (jiěchú dǐyā) - release a mortgage
- 二次抵押 (èrcì dǐyā) - second mortgage
Business transactions
- 股权抵押 (gǔquán dǐyā) - equity mortgage
- 土地抵押 (tǔdì dǐyā) - land mortgage
- 抵押担保 (dǐyā dānbǎo) - mortgage guarantee
Legal documents
- 抵押权人 (dǐyāquánrén) - mortgagee
- 抵押人 (dǐyārén) - mortgagor
- 抵押登记 (dǐyā dēngjì) - mortgage registration
Conversation Starters
"你考虑过办理房屋抵押贷款吗？(Nǐ kǎolǜ guò bànlǐ fángwū dǐyā dàikuǎn ma?) - Have you considered applying for a house mortgage loan?"
"如果我需要一笔大额贷款，我可以抵押什么？(Rúguǒ wǒ xūyào yī bǐ dà'é dàikuǎn, wǒ kěyǐ dǐyā shénme?) - If I need a large loan, what can I mortgage?"
"你觉得抵押资产有什么风险？(Nǐ juédé dǐyā zīchǎn yǒu shé me fēngxiǎn?) - What risks do you think are associated with mortgaging assets?"
"办理抵押贷款的流程复杂吗？(Bànlǐ dǐyā dàikuǎn de liúchéng fùzá ma?) - Is the process of applying for a mortgage loan complicated?"
"除了房子，还有哪些东西可以用来抵押？(Chúle fángzi, hái yǒu nǎxiē dōngxī kěyǐ yòng lái dǐyā?) - Besides a house, what else can be used for a mortgage?"
Journal Prompts
描述一下如果你想买房，你会如何办理房屋抵押贷款。(Miáoshù yīxià rúguǒ nǐ xiǎng mǎi fáng, nǐ huì rúhé bànlǐ fángwū dǐyā dàikuǎn.) - Describe how you would apply for a house mortgage loan if you wanted to buy a house.
如果你需要一笔资金来创业，你会考虑抵押你的什么财产？为什么？(Rúguǒ nǐ xūyào yī bǐ zījīn lái chuàngyè, nǐ huì kǎolǜ dǐyā nǐ de shénme cáichǎn? Wèishéme?) - If you needed funds to start a business, what property would you consider mortgaging? Why?
谈谈你对“抵押”这个概念的理解，以及它在金融系统中的作用。(Tán tán nǐ duì “dǐyā” zhège gàiniàn de lǐjiě, yǐjí tā zài jīnróng xìtǒng zhōng de zuòyòng.) - Discuss your understanding of the concept of "mortgage" and its role in the financial system.
如果你是银行经理，你会对哪些抵押品更感兴趣？(Rúguǒ nǐ shì yínháng jīnglǐ, nǐ huì duì nǎxiē dǐyāpǐn gèng gǎn xìngqù?) - If you were a bank manager, what types of collateral would you be more interested in?
写一篇关于抵押贷款的利弊的文章。(Xiě yī piān guānyú dǐyā dàikuǎn de lìbì de wénzhāng.) - Write an article about the pros and cons of mortgage loans.
Frequently Asked Questions
10 questions抵押 (dǐyā) means 'to mortgage' or 'to pawn' something valuable as security for a loan. It's about using an asset as collateral. 贷款 (dàikuǎn) simply means 'to lend money' or 'a loan' itself. So, you might get a 贷款 (dàikuǎn) by offering a 抵押 (dǐyā).
Yes, absolutely. While commonly associated with houses (房产抵押 - fángchǎn dǐyā), you can 抵押 (dǐyā) other valuable assets like cars (汽车抵押 - qìchē dǐyā), land (土地抵押 - tǔdì dǐyā), or even intellectual property.
Generally, yes. The primary purpose of 抵押 (dǐyā) is to secure a loan or a debt. You put up an asset as collateral to ensure the lender gets paid back.
You can say 抵押房子 (dǐyā fángzi) or more formally, 房产抵押 (fángchǎn dǐyā). The latter is often used in legal or financial contexts.
If you can't repay the loan, the lender has the right to take possession of the asset you 抵押 (dǐyā)ed. This is often referred to as 'foreclosure' in English, or in Chinese, the bank might '处置抵押物' (chǔzhì dǐyāwù - dispose of the collateral).
Not immediately. When you 抵押 (dǐyā) something, you usually retain ownership, but the lender holds a claim (lien) on it. Only if you default on the loan do you risk losing ownership.
抵押 (dǐyā) can also function as a noun, meaning 'a mortgage' or 'collateral.' For example, '这份抵押' (zhè fèn dǐyā - this mortgage/collateral).
No, 抵押 (dǐyā) is specifically for pledging assets as security for a debt. For pledging allegiance or loyalty, you'd use different words like 宣誓效忠 (xuānshì xiàozhōng) or 承诺 (chéngnuò).
Yes, 抵押贷款 (dǐyā dàikuǎn) is a very common and practical term. It directly translates to 'mortgage loan' and is widely used in real estate and finance.
A related term is 质押 (zhìyā). While both involve collateral, 抵押 (dǐyā) often refers to immovable property (like real estate), where the owner retains possession, while 质押 (zhìyā) usually refers to movable property (like stocks or bonds) that is physically transferred to the lender as security.
Test Yourself 48 questions
Imagine you want to buy a house, but you don't have enough money. What is one way you can get the money, using the new word you learned?
Well written! Good try! Check the sample answer below.
Sample answer
我可以抵押我的房子来获得贷款。
You are talking to a friend about buying a car. You mention that sometimes people need to use something they own as collateral to get a loan. How would you say 'mortgage a car' in Chinese?
Well written! Good try! Check the sample answer below.
Sample answer
抵押汽车
Your friend asks if they can mortgage their phone for a small loan. Explain in one simple sentence why this is usually not possible, using '抵押'.
Well written! Good try! Check the sample answer below.
Sample answer
你不能抵押你的手机，因为它不值那么多钱。
小明为什么要去银行贷款？
Read this passage:
小明想买一套新公寓。他没有足够的钱，所以他决定去银行贷款。银行告诉他，他需要抵押他现在住的房子才能获得贷款。
小明为什么要去银行贷款？
文章中明确提到“他没有足够的钱”来买新公寓。
文章中明确提到“他没有足够的钱”来买新公寓。
丽丽打算怎么获得启动资金？
Read this passage:
丽丽想开一家小商店。她需要一些资金来启动。她的朋友建议她可以抵押她的车来获得贷款。丽丽觉得这是一个好主意。
丽丽打算怎么获得启动资金？
文章中提到“她的朋友建议她可以抵押她的车来获得贷款”。
文章中提到“她的朋友建议她可以抵押她的车来获得贷款”。
王先生为什么抵押公司的工厂？
Read this passage:
王先生的公司遇到了困难，需要一笔钱来周转。银行同意借钱给他，但是要求他抵押公司的工厂。王先生同意了。
王先生为什么抵押公司的工厂？
文章中明确说明“王先生的公司遇到了困难，需要一笔钱来周转”，所以他抵押工厂是为了获得这笔钱。
文章中明确说明“王先生的公司遇到了困难，需要一笔钱来周转”，所以他抵押工厂是为了获得这笔钱。
He wants to mortgage the house to buy a new car.
The bank can mortgage your property.
They mortgaged the land.
Read this aloud:
我可以抵押我的车吗？
Focus: 抵押 (dǐyā)
You said:
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Read this aloud:
他打算抵押他的商店。
Focus: 抵押 (dǐyā)
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
抵押房子是一个大决定。
Focus: 抵押 (dǐyā)
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
她想买房子，但是钱不够，所以需要把房子______给银行。
Context: She wants to buy a house, but doesn't have enough money, so she needs to ______ the house to the bank. '抵押' means to mortgage.
如果你没有足够的钱买房，你可以考虑用你的财产作为______来获得贷款。
Context: If you don't have enough money to buy a house, you can consider using your property as ______ to get a loan. '抵押' refers to the collateral in a mortgage.
公司为了扩大业务，决定将工厂______给银行以获得资金。
Context: The company decided to ______ the factory to the bank to get funds for business expansion. '抵押' means to mortgage.
买车的时候，如果你贷款，车子通常会被抵押给银行。
Context: When buying a car, if you get a loan, the car is usually mortgaged to the bank. This statement is true because the car serves as collateral for the loan.
只有房子才能被抵押，其他财产不可以。
Context: Only houses can be mortgaged, other properties cannot. This statement is false, as various types of property can be mortgaged.
抵押意味着你把财产完全卖给了银行。
Context: Mortgaging means you completely sell your property to the bank. This statement is false. Mortgaging means you use the property as collateral for a loan, not that you sell it.
因为经济困难，他不得不把房子___给银行。
The sentence describes a situation where someone has to use their house as collateral due to financial difficulties, which is the definition of mortgaging. '典当' means pawn, '出售' means sell, and '租赁' means lease.
公司为了获得贷款，将厂房___给银行。
To get a loan, a company would typically '抵押' (mortgage) its factory buildings to the bank as security. '捐赠' means donate, '转让' means transfer, and '借用' means borrow for use.
他用自己的汽车作为___品，向朋友借了一笔钱。
In this context, the car is being used as collateral to borrow money from a friend. Therefore, '抵押品' (mortgage collateral) is the most appropriate word. '礼物' means gift, '纪念' means souvenir, and '交换' means exchange.
如果无法按时还款，银行有权处置___的财产。
If payments aren't made on time, the bank has the right to deal with the '抵押' (mortgaged) property. '捐赠' means donated, '赠送' means given as a gift, and '借出' means lent out.
这家农场主把土地___出去，换取了急需的资金。
The farmer '抵押' (mortgaged) his land to get much-needed funds. '租借' means lease, '出售' means sell, and '赠予' means give as a gift.
在经济不景气的时候，很多人选择___自己的房产来周转资金。
During an economic downturn, people often '抵押' (mortgage) their property to manage their finances. '翻新' means renovate, '出租' means rent out, and '装修' means decorate/renovate.
Listen to the sentence about mortgaging property for business funds.
Listen to the sentence about a bank rejecting a contract due to an unsuitable mortgage collateral.
Listen to the sentence about mortgaging land for children's education expenses.
Read this aloud:
请你用“抵押”造一个句子。
Focus: dǐ yā
You said:
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Read this aloud:
如果一个公司面临资金周转困难，抵押资产是一个好的选择吗？
Focus: dǐ yā zī chǎn
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
你认为在中国，人们通常会抵押什么来获取贷款？
Focus: dǐ yā shén me
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Imagine you are applying for a home loan. Write a short paragraph explaining that you are willing to mortgage your property as collateral. Include the term "抵押" (dǐyā).
Well written! Good try! Check the sample answer below.
Sample answer
为了获得房屋贷款，我愿意将我的房产作为抵押。我相信我的房产价值足以作为这笔贷款的担保。
You are a business owner considering getting a business loan. Write a short explanation of why you might need to mortgage some assets to secure the loan. Use "抵押" (dǐyā) at least once.
Well written! Good try! Check the sample answer below.
Sample answer
为了扩大业务，我需要申请一笔商业贷款。考虑到贷款金额较大，我可能需要抵押部分公司资产以确保贷款的顺利批复。
Describe a hypothetical situation where someone might need to mortgage a valuable item. Use "抵押" (dǐyā) in your description.
Well written! Good try! Check the sample answer below.
Sample answer
如果一个人突然遇到紧急情况需要大笔资金，但又不想卖掉自己珍贵的收藏品，他可以选择将收藏品抵押给典当行，以获取短期的资金周转。
根据短文，小王为什么将公寓抵押给银行？
Read this passage:
小王想买一套房子，但是首付不够。他决定向银行申请贷款，并且将他现在住的公寓抵押给银行作为担保。银行评估了他的公寓价值后，同意给他发放贷款。
根据短文，小王为什么将公寓抵押给银行？
短文明确提到，小王将公寓抵押给银行是“作为担保”，目的是获得购房贷款。
短文明确提到，小王将公寓抵押给银行是“作为担保”，目的是获得购房贷款。
根据短文，抵押汽车有什么潜在的风险？
Read this passage:
随着经济压力的增大，越来越多的人选择抵押自己的汽车来获取短期资金。虽然这能解决燃眉之急，但也存在一定的风险，比如逾期还款可能导致车辆被收回。
根据短文，抵押汽车有什么潜在的风险？
短文指出，“逾期还款可能导致车辆被收回”是抵押汽车的风险之一。
短文指出，“逾期还款可能导致车辆被收回”是抵押汽车的风险之一。
除了抵押物的价值，银行在批准抵押贷款时还会考虑什么因素？
Read this passage:
银行在批准抵押贷款时，通常会对抵押物进行严格的评估，以确保其价值能够覆盖贷款金额。同时，借款人的信用记录也是银行考量的重要因素。
除了抵押物的价值，银行在批准抵押贷款时还会考虑什么因素？
短文提到，“借款人的信用记录也是银行考量的重要因素”。
短文提到，“借款人的信用记录也是银行考量的重要因素”。
公司计划用新购买的设备作为____，以获取银行贷款。
Contextually, '抵押' (mortgage) is the most suitable term for using equipment as collateral for a bank loan. '典当' (pawn) is typically for smaller, personal items. '质押' (pledge) is similar but often involves movable property or rights. '担保' (guarantee) is a broader term for assurance.
为了筹集创业资金，他不得不把自己的房子____给银行。
To raise startup funds, one would typically '抵押' (mortgage) their house to the bank, not '出租' (rent), '出售' (sell), or '赠予' (give away).
银行要求借款人提供____物，以降低贷款风险。
Banks require '抵押' (collateral/mortgage) from borrowers to mitigate loan risk. The other options are irrelevant in this financial context.
当你把房产抵押给银行时，房产的所有权会立即转移给银行。
When you mortgage a property, the ownership does not immediately transfer to the bank. The bank holds a lien on the property, and ownership transfers only if you default on the loan and the bank forecloses.
抵押通常用于获得短期小额贷款。
Mortgaging is typically used for long-term, larger loans, such as home loans or business loans, where significant capital is required. Short-term small loans are often unsecured or use other forms of collateral.
只有不动产才能作为抵押物。
While real estate (不动产) is a common form of collateral for mortgages, other assets such as vehicles, equipment, and even intellectual property can sometimes be used as collateral (抵押物) for loans, depending on the lender and the type of loan.
This sentence structure shows 'bank gave them a house as a mortgage loan'.
The order reflects 'He needs to mortgage the factory for funds due to business expansion.'
This sentence means 'Many people choose to mortgage their property to start a business and achieve their dreams.'
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Related Content
This Word in Other Languages
More daily_life words
朝九晚五
B2From nine to five; regular working hours.
未免
B2Rather; a bit too; truly (implies something excessive).
废弃
B2To abandon; to discard; to cease to use.
恪守
B2To scrupulously observe; to strictly adhere to.
反常
B2abnormal, unusual
充裕
B2Abundant; ample.
充沛
B2Abundant; plentiful; full of energy.
门禁卡
B2Access card; entry card.
门禁
B2Access control (system).
配件
B2Fittings; accessories; spare parts.
