When you're ready to buy a home, you might hear the word 房贷 (fángdài). This simply means a mortgage loan or a housing loan. It's the money you borrow from a bank to purchase a house, and then you pay it back over time, usually with interest. So, if you're talking about taking out a loan to buy a property, or the payments you make for your house, you're talking about 房贷 (fángdài).
When discussing purchasing a home in Chinese, an essential term you'll encounter is 房贷 (fángdài). This noun directly translates to 'mortgage loan' or 'housing loan'.
It refers to the money borrowed from a bank or financial institution to buy real estate, which is then paid back over an agreed period, usually with interest.
Understanding 房贷 is crucial for anyone looking into property ownership in Chinese-speaking regions, as it's a common financial instrument used for such significant investments.
So, if you hear someone talking about applying for a 房贷, they are talking about getting a mortgage for a house or apartment.
When discussing purchasing a home in Chinese, an essential term you'll encounter is 房贷 (fángdài). This word directly translates to 'mortgage loan' or 'housing loan'. It refers to the money borrowed from a financial institution to buy real estate.
Understanding 房贷 is crucial for anyone navigating the property market in a Chinese-speaking context. It encompasses all aspects of home financing, from the application process to repayment schedules.
Essentially, 房贷 is the financial agreement that makes homeownership accessible for many, allowing them to pay for a property over an extended period rather than upfront.
When discussing purchasing property in Chinese, it's essential to understand the term 房贷 (fángdài). This noun directly translates to 'mortgage loan' or 'housing loan' and is a crucial concept for anyone considering real estate in China.
Typically, a 房贷 involves borrowing money from a bank or financial institution to buy a house, which is then paid back with interest over a set period. Understanding the terms and conditions of your 房贷 is vital, as it can significantly impact your financial planning.
For example, you might hear someone say, '我正在还房贷' (Wǒ zhèngzài huán fángdài), which means 'I am currently repaying my mortgage.' Or, '银行提供了多种房贷方案' (Yínháng tígōngle duōzhǒng fángdài fāng'àn), meaning 'The bank offers various mortgage plans.'
Knowing how to use 房贷 correctly will allow you to confidently discuss real estate financing, whether you're asking about interest rates, repayment periods, or different types of loans available.
房贷 in 30 Seconds
- mortgage
- housing loan
- property financing
§ What 房贷 (fángdài) means
Let's talk about 房贷 (fángdài). Simply put, this word is how you say 'mortgage loan' or 'housing loan' in Chinese. If you're buying a house and borrowing money from a bank to do it, that loan is a 房贷. It's a really common term, especially as more and more people in China are buying homes.
- DEFINITION
- Mortgage loan; housing loan.
You'll hear 房贷 used in all sorts of conversations related to real estate, finance, and personal economics. It's not just a technical term for bankers; everyday people use it to discuss their financial situation, housing plans, and the general state of the housing market.
§ When people use 房贷 (fángdài)
People use 房贷 when they are talking about:
- Buying a house: This is the most obvious one. If you need to borrow money to buy a house, you're taking out a 房贷.
- Repaying a loan: When you make your monthly payments, you're 'repaying the 房贷' (还房贷 - huán fángdài).
- Housing market discussions: News reports, economic analysts, and even casual conversations about the housing market will often mention 房贷 rates, policies, and their impact.
- Personal finance: People discuss their '房贷 pressure' (房贷压力 - fángdài yālì) which refers to the financial burden of mortgage payments.
Understanding 房贷 is key if you want to talk about real estate in China, whether you're a prospective homeowner, an investor, or just someone who wants to understand local news and conversations better.
他们申请了银行房贷来买这套房子。
Translation hint: They applied for a bank mortgage loan to buy this house.
我们每个月都要还房贷。
Translation hint: We have to repay the mortgage loan every month.
It's a practical word you'll encounter a lot. Pay attention to the context and you'll quickly get the hang of it. Just like in English, 'mortgage' is a big deal, and in Chinese, 房贷 (fángdài) carries the same weight. It's often one of the largest financial commitments someone makes. So, when you hear it, you know it's about a serious financial matter related to housing.
§ What is 房贷?
- DEFINITION
- Mortgage loan; housing loan.
Alright, let's get straight to it. 房贷 (fángdài) is super important if you're talking about buying property in China, or really, anywhere. It literally means 'house loan' or 'mortgage loan'. When you buy a house and you don't have all the cash upfront, you take out a 房贷 from a bank. Simple as that.
This isn't a word you'll just see in financial newspapers. It comes up in everyday conversations, especially among adults. Think about it: housing is a big deal, and mortgages are how most people afford it. So, learning 房贷 isn't just about vocabulary; it's about understanding a big part of modern Chinese life and the economy.
§ Where You'll Hear 房贷
You'll encounter 房贷 in a few key places. Knowing these contexts will help you understand the word better and use it correctly.
- News and Media: This is a big one. Any news about the economy, real estate, or banking will mention 房贷.
- Conversations: Friends, family, colleagues – if they're talking about buying a house, investments, or personal finance, 房贷 will definitely come up.
- Real Estate Offices/Banks: If you're ever looking into buying property or just curious, you'll hear this term constantly.
Let's dive into some practical examples so you can see how 房贷 is used in real sentences.
§ Examples of 房贷 in Use
Here are some common ways you'll hear or read 房贷:
他们正在考虑申请新的房贷。
Translation hint: They are considering applying for a new mortgage loan.
每个月的房贷压力很大。
Translation hint: The monthly mortgage payment pressure is very high (or, the monthly mortgage is a big burden).
银行提供了几种不同的房贷方案。
Translation hint: The bank offered several different mortgage plans.
由于利率上升，他的房贷还款额增加了。
Translation hint: Due to rising interest rates, his mortgage repayment amount increased.
政府出台了新的政策来支持首次购房者的房贷。
Translation hint: The government introduced new policies to support mortgage loans for first-time homebuyers.
§ Why is 房贷 Important to Know?
Understanding 房贷 isn't just about passing a CEFR B2 test. It's about being able to engage in real-world conversations about a major life event. When you hear people talking about '买房' (mǎi fáng - buying a house), it's highly likely that 房贷 will be part of the discussion. Whether it's the amount of the loan, the interest rates, or the monthly payments, 房贷 is at the core of it.
If you're reading Chinese news, especially financial or real estate sections, 房贷 will appear regularly. Keeping an eye on 房贷 policies and news can give you insight into the Chinese economy and government priorities. So, don't just memorize the word; understand its context and significance.
Mastering words like 房贷 helps you move beyond basic tourist Chinese and into more complex, practical conversations. Keep practicing these examples, and try to find more instances of 房贷 in Chinese news or social media to solidify your understanding.
Grammar to Know
房贷 (fángdài) is a noun meaning 'mortgage loan' or 'housing loan'. It's commonly used in contexts related to buying a house or real estate finance.
他每个月都要还房贷。 (Tā měi gè yuè dōu yào huán fángdài.) - He has to pay his mortgage every month.
You can use 房贷 with verbs like 还 (huán - to repay), 申请 (shēnqǐng - to apply for), or 办理 (bànlǐ - to handle/process).
我需要申请房贷来买新房子。 (Wǒ xūyào shēnqǐng fángdài lái mǎi xīn fángzi.) - I need to apply for a mortgage to buy a new house.
房贷 often appears in phrases describing the type or amount of the loan, for example, 商业房贷 (shāngyè fángdài - commercial mortgage) or 公积金房贷 (gōngjījīn fángdài - housing provident fund mortgage).
他们选择了公积金房贷。 (Tāmen xuǎnzhele gōngjījīn fángdài.) - They chose a housing provident fund mortgage.
You can also talk about the pressure or burden of a mortgage using 房贷压力 (fángdài yālì - mortgage pressure).
房贷压力很大，让人喘不过气。 (Fángdài yālì hěn dà, ràng rén chuǎnbuguò qì.) - The mortgage pressure is immense, making it hard to breathe.
房贷 can be combined with terms like 利率 (lìlǜ - interest rate) to discuss mortgage rates, e.g., 房贷利率 (fángdài lìlǜ - mortgage interest rate).
最近房贷利率有所下降。 (Zuìjìn fángdài lìlǜ yǒu suǒ xiàjiàng.) - Recently, mortgage interest rates have decreased somewhat.
Examples by Level
我需要申请房贷。
I need to apply for a mortgage loan.
他每个月还房贷。
He repays the mortgage loan every month.
房贷压力很大。
The mortgage loan pressure is very big.
买房需要房贷吗？
Do you need a mortgage loan to buy a house?
他们的房贷很高。
Their mortgage loan is very high.
我想提前还清房贷。
I want to pay off the mortgage loan early.
银行提供房贷服务。
Banks provide mortgage loan services.
房贷利率是多少？
What is the mortgage loan interest rate?
我们正在考虑申请房贷买房子。
We are considering applying for a mortgage to buy a house.
这个月的房贷我已经还了。
I have already paid this month's mortgage.
他的房贷压力很大。
His mortgage pressure is very high.
银行批准了我的房贷申请。
The bank approved my mortgage application.
他们需要工作很多年才能还清房贷。
They need to work for many years to pay off the mortgage.
房贷利率最近有所下降。
Mortgage interest rates have dropped recently.
买房子常常需要办理房贷。
Buying a house often requires getting a mortgage.
他正在咨询关于房贷的更多信息。
He is inquiring about more information regarding mortgage loans.
Often Confused With
General term for a loan. 房贷 is a type of 贷款.
Rent payment for a house, not a loan payment for owning one.
The price of a house, not the loan used to buy it.
Grammar Patterns
Idioms & Expressions
"供房贷"
To pay the mortgage (loan)
他每个月都要供房贷。
neutral"还房贷"
To repay the mortgage (loan)
我们努力工作为了尽快还房贷。
neutral"申请房贷"
To apply for a mortgage (loan)
他们正在申请房贷买房子。
neutral"房贷压力"
Mortgage (loan) pressure
大城市的房贷压力很大。
neutral"房贷政策"
Mortgage (loan) policy
政府调整了房贷政策。
neutral"免房贷"
Exempt from mortgage (loan) payments
有些情况下可以免房贷。
neutral"提前还房贷"
To repay the mortgage (loan) early
很多人选择提前还房贷来减轻负担。
neutral"房贷利率"
Mortgage (loan) interest rate
房贷利率的变动会影响购房成本。
neutral"背负房贷"
To be burdened with a mortgage (loan)
他背负着沉重的房贷。
neutral"商业房贷"
Commercial mortgage (loan)
这种房贷是商业房贷。
neutralEasily Confused
Both 贷款 and 房贷 relate to loans. However, 贷款 is a general term for any type of loan, while 房贷 specifically refers to a housing loan or mortgage.
贷款 is a broad category, and 房贷 is a specific type of 贷款.
我需要申请一笔汽车贷款。(Wǒ xūyào shēnqǐng yī bǐ qìchē dàikuǎn.) I need to apply for a car loan.
Both 房贷 and 房租 relate to housing payments. However, 房贷 is the payment for owning a house through a loan, while 房租 is the payment for renting a house.
房贷 is for homeowners; 房租 is for renters.
我的房租每月三千块。(Wǒ de fángzū měi yuè sānqiān kuài.) My rent is three thousand yuan per month.
Both 房贷 and 房价 are related to the cost of a house. However, 房价 refers to the price of the house itself, while 房贷 refers to the loan used to pay for the house.
房价 is the total cost of a house; 房贷 is the loan taken to purchase it.
最近房价涨了很多。(Zuìjìn fángjià zhǎng le hěnduō.) House prices have risen a lot recently.
Both 房贷 and 还款 involve paying money back. However, 房贷 is the loan itself, and 还款 is the act of repaying any type of loan (including a mortgage).
房贷 is the noun for the mortgage; 还款 is the verb for making a repayment.
我每个月都要按时还款。(Wǒ měi gè yuè dōu yào ànshí huánkuǎn.) I have to make repayments on time every month.
Both 房贷 and 借钱 involve borrowing money. However, 借钱 is a general term for borrowing money from anyone for any purpose, while 房贷 is a specific type of loan for housing from a financial institution.
借钱 is general borrowing; 房贷 is a specific type of loan from a bank for a house.
我向朋友借钱买了一本书。(Wǒ xiàng péngyǒu jièqián mǎi le yī běn shū.) I borrowed money from a friend to buy a book.
Sentence Patterns
Subj. + 要 + Verb + 房贷。
我 要 还 房贷。 (I need to repay the mortgage.)
Subj. + 已经 + Verb + 了 + 房贷。
他们 已经 申请 了 房贷。 (They have already applied for a mortgage.)
Adj. + 的 + 房贷。
高 的 房贷。 (A high mortgage.)
Subj. + 对 + 房贷 + 有 + NP。
我对房贷政策有疑问。 (I have questions about mortgage policies.)
Verb + 房贷 + 的 + Noun。
办理 房贷 的 手续。 (Procedures for handling a mortgage loan.)
Subj. + 因为 + NP + 而 + Verb + 房贷。
他 因为 买房 而 背负 了 房贷。 (He took on a mortgage because he bought a house.)
Verb + 着 + 房贷 + 过日子。
我们 背负 着 房贷 过日子。 (We live with a mortgage.)
关于 + 房贷 + 的 + Noun。
关于 房贷 的 讨论。 (Discussion about mortgage loans.)
Tips
Literal Meaning Breakdown
拆开来看，'房' (fáng) means house or room, and '贷' (dài) means to lend or borrow. So, '房贷' literally translates to 'house loan'.
Common Usage in Sentences
You'll often hear '房贷' used with verbs like '还' (huán) meaning to repay, or '申请' (shēnqǐng) meaning to apply for. For example, '还房贷' (huán fángdài) means 'to repay the mortgage'.
Related Vocabulary: Loan
The character '贷' (dài) is also used in other loan-related terms, such as '贷款' (dàikuǎn), which is a more general term for loan or credit. Understanding '贷' helps you recognize other financial vocabulary.
Related Vocabulary: House
The character '房' (fáng) is found in many house-related words. For instance, '房子' (fángzi) means house, and '房间' (fángjiān) means room. Seeing this pattern helps build your vocabulary.
Formal vs. Informal
'房贷' is a very common and practical term used in both formal and informal contexts when discussing mortgages. It's the standard term.
Importance in Chinese Society
In China, home ownership is highly valued, and '房贷' is a significant financial aspect for many families. Understanding this term helps you grasp a key part of Chinese daily life and economy.
Pronunciation Practice
Practice the tones: '房' (fáng) is second tone, and '贷' (dài) is fourth tone. Getting the tones right is crucial for clear communication. Try saying 'fángdài' several times.
Example Sentence 1
他每个月都要还房贷。 (Tā měi gè yuè dōu yào huán fángdài.) - He has to repay the mortgage every month.
Example Sentence 2
我们正在考虑申请房贷。 (Wǒmen zhèngzài kǎolǜ shēnqǐng fángdài.) - We are considering applying for a mortgage loan.
Example Sentence 3
房贷压力很大。 (Fángdài yālì hěn dà.) - The mortgage pressure is very big.
Memorize It
Mnemonic
Imagine a **fáng** (room/house) with a **dài** (belt/strap) around it, representing the loan that's tied to the house.
Visual Association
Picture a house with a giant stack of money next to it, and a big red 'LOAN' sign pointing from the money to the house.
Word Web
Challenge
Try to say these sentences out loud, focusing on '房贷': 1. 他们正在还房贷。 (Tāmen zhèngzài huán fángdài.) - They are repaying their mortgage. 2. 房贷利率最近上涨了。 (Fángdài lìlǜ zuìjìn shàngzhǎng le.) - Mortgage interest rates have risen recently. 3. 申请房贷需要很多文件。 (Shēnqǐng fángdài xūyào hěn duō wénjiàn.) - Applying for a mortgage requires a lot of documents.
Test Yourself 78 questions
她正在努力工作来支付她的___。
Context suggests 'housing loan' or 'mortgage' is needed here, which is 房贷. The other options don't fit the context of working hard for a large payment related to a house.
我们每个月都需要还___。
The sentence implies a regular, recurring payment, often associated with owning a house. 房贷 (mortgage) fits this perfectly. Other options are less likely to be a monthly recurring payment for 'us' in this general context.
买房子常常意味着你需要申请___。
When buying a house, you typically apply for a mortgage loan, which is 房贷. While 贷款 (loan) is a general term, 房贷 is specific to housing and more accurate here.
银行提供不同的___方案。
Banks commonly offer different mortgage (房贷) plans to their customers. The other options are also bank services but less specific to the concept of 'plans' in this context.
他们很高兴，因为他们的___已经还清了。
Paying off a mortgage (房贷) is a common reason for happiness and relief related to finances and housing. The other options are too general or less impactful in this context.
高利率会增加你的___负担。
Higher interest rates directly impact the burden of a mortgage loan (房贷), making it more expensive. This is a common concern for homeowners.
Listen for how to say 'mortgage loan'.
Listen for the two-character word that means 'mortgage loan'.
Listen for the financial term related to housing.
Read this aloud:
我每个月都要还房贷。
Focus: fáng dài
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
他正在考虑申请房贷。
Focus: shēn qǐng fáng dài
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
现在的房贷利率是多少？
Focus: lì lǜ
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Write a short sentence about someone getting a mortgage loan.
Well written! Good try! Check the sample answer below.
Sample answer
他向银行申请了房贷。 (He applied for a mortgage from the bank.)
Imagine you are talking about paying off a mortgage. Write a simple sentence.
Well written! Good try! Check the sample answer below.
Sample answer
我们终于还清了房贷。 (We finally paid off the mortgage.)
Write a short sentence about the difficulty of paying a mortgage.
Well written! Good try! Check the sample answer below.
Sample answer
还房贷很有压力。 (Paying the mortgage is very stressful.)
小明为什么需要房贷？
Read this passage:
小明想买一套房子，但是他没有足够的钱。所以他需要向银行申请房贷。每个月，他都要努力工作来还房贷。
小明为什么需要房贷？
文章中提到'他没有足够的钱'，所以他需要房贷来买房子。
文章中提到'他没有足够的钱'，所以他需要房贷来买房子。
李阿姨和王叔叔为什么高兴？
Read this passage:
李阿姨和王叔叔的房子很大。他们已经住了二十年，现在他们的房贷已经还清了。他们感到非常高兴。
李阿姨和王叔叔为什么高兴？
文章中明确说明'他们的房贷已经还清了。他们感到非常高兴。'
文章中明确说明'他们的房贷已经还清了。他们感到非常高兴。'
根据文章，还房贷是什么？
Read this passage:
买房是一个重要的决定。很多人都需要房贷来帮助他们实现买房的梦想。但是，还房贷也是一个长期的责任。
根据文章，还房贷是什么？
文章中提到'还房贷也是一个长期的责任。'
文章中提到'还房贷也是一个长期的责任。'
This sentence means 'She applied for a mortgage loan.' The correct order is Subject (她), Verb (申请), Object (房贷) with the particle 了.
This sentence means 'Buying a house requires paying a mortgage loan.' The structure is 'doing something requires doing something else.'
This sentence means 'This month's mortgage loan is very high.' The '的' particle connects '这个月' to '房贷'.
我工作十年了，终于还清了所有的______。
The sentence talks about paying off something after working for ten years, implying a large loan like a mortgage (房贷).
因为经济不好，很多人都担心______会变得更高。
In an economic downturn, people often worry about increasing housing costs, specifically mortgage payments (房贷).
买房子是大事，申请______需要很多文件。
Buying a house (买房子) usually involves applying for a mortgage loan (房贷), which requires many documents.
他每个月都要按时支付______，所以他很努力工作。
The sentence implies a significant monthly payment that motivates hard work, which aligns with a mortgage payment (房贷).
银行会根据你的收入来决定能给你多少______。
Banks assess income to determine the amount of mortgage loan (房贷) they can offer.
为了减轻家庭负担，他们考虑提前还清______。
To reduce family burden, people often consider paying off a mortgage loan (房贷) early.
Which of these is most likely to be paid monthly to a bank for a house?
房贷 (fángdài) refers to a mortgage loan, which is typically paid back to a bank monthly.
If you buy a house and borrow money from the bank, what is that money called?
When you borrow money from a bank to buy a house, it is called a mortgage loan, or 房贷 (fángdài).
Which sentence correctly uses '房贷' (fángdài)?
'还房贷' (huán fángdài) means 'repay the mortgage', which is a common usage of the term.
房贷 (fángdài) is money you get for free from the government.
房贷 (fángdài) is a loan that you must repay, usually to a bank, not free money from the government.
You typically need 房贷 (fángdài) when you buy a very expensive car.
房贷 (fángdài) specifically refers to a loan for buying a house, not a car. A car loan would be a different term.
If you have 房贷 (fángdài), it means you borrowed money to buy a house.
房贷 (fángdài) is indeed a loan taken out to purchase a house.
This sentence means 'Buying a house requires processing a mortgage.'
This sentence means 'I need to pay the mortgage every month.'
This sentence means 'They are currently applying for a mortgage.'
They have a lot of mortgage pressure.
I have to pay my mortgage every month.
Applying for a mortgage requires a lot of documents.
Read this aloud:
你觉得现在是买房的好时机吗？房贷利率怎么样？
Focus: 房贷 (fáng dài)
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
我们家为了还房贷，生活开销得省着点。
Focus: 还房贷 (huán fáng dài)
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
许多年轻人都在为房贷而努力奋斗。
Focus: 为房贷 (wèi fáng dài)
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
This sentence means 'My mortgage application was approved by the bank.' The typical sentence structure in Chinese places the subject first, followed by the passive marker '被' (bèi), the agent (bank), and then the verb and object.
This sentence means 'They are considering whether to apply for a mortgage to buy a house.' The structure '正在 (zhèngzài) + verb' indicates an action in progress, and '是否 (shìfǒu)' is used to ask 'whether or not'.
This sentence means 'Current mortgage interest rates are higher than last year.' The '比 (bǐ)' structure is used for comparison, indicating 'A is more/less than B'.
她正在考虑申请一笔___来购买新房子。
Contextually, '房贷' (mortgage loan) is the only option that makes sense for buying a new house. '房租' (rent), '房产' (real estate), and '房客' (tenant) do not fit.
由于利率上升，许多人的每月___负担增加了。
When interest rates rise, the burden of a '房贷' (mortgage loan) increases. '房租' (rent) is not directly affected by interest rates in this way, '房价' (house price) is the cost of the house itself, and '房产税' (property tax) is a separate tax.
银行对___申请人的信用记录有严格要求。
Banks typically have strict credit record requirements for '房贷' (mortgage loan) applicants. '房租' (rent) doesn't involve a bank application, '房产' (real estate) is the property, and '房东' (landlord) is the owner of a rented property.
经过多年的努力，他们终于还清了___。
People pay off their '房贷' (mortgage loan) over many years. '房租' (rent) is paid regularly but not 'paid off' in this sense, '房款' (house payment/price) refers to the total cost, and '房税' (house tax) is an ongoing tax.
政府出台了新政策，旨在减轻年轻人的___压力。
Government policies often aim to alleviate '房贷' (mortgage loan) pressure for young people. While '房租' (rent) can also be a pressure, '房贷' is specifically targeted by such policies in the context of homeownership. '房产' (real estate) and '房东' (landlord) are not pressures themselves.
办理___需要提交许多个人财务文件。
Applying for a '房贷' (mortgage loan) requires submitting many personal financial documents. '房租' (rent) usually does not require extensive financial documents, '房产证' (property deed) is a document itself, and '房源' (housing source) refers to available properties.
The speaker is talking about paying off a mortgage early.
The speaker mentions banks and mortgage interest rates for first-time buyers.
The speaker is discussing concerns about paying a mortgage on time due to the economy.
Read this aloud:
我正在考虑申请一个期限为三十年的房贷。
Focus: 房贷 (fángdài)
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
最近的政策变化可能会影响到未来的房贷市场。
Focus: 市场 (shìchǎng)
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
Read this aloud:
他们夫妇为了买房，每月都要承担沉重的房贷。
Focus: 沉重 (chénzhòng)
You said:
Speech recognition is not supported in your browser. Try Chrome or Edge.
This sentence describes someone having paid off all their mortgage. The structure is Subject (他) + Adverb (已经) + Verb (付清了) + Object (所有 的 房贷).
This sentence explains that many young people have to take on heavy mortgage loans to buy a house. The structure is [Group of people] + 为了 [purpose] + 不得不 [have to] + [action] + [object].
This sentence talks about current low mortgage interest rates being a good time to buy a house. It follows a structure of [Time] + [Topic] + [Description] + [Conclusion].
以下哪种情况最不可能与“房贷”直接相关？
房贷是用于购买房屋的贷款，而水电费是日常生活开销，与房贷没有直接关系。
如果一个人说他“压力很大，因为房贷”，最可能的原因是什么？
房贷通常需要长期且大额的每月还款，这会给还款人带来经济压力。
以下哪个词语与“房贷”的概念最为接近？
房贷本质上是为了购买房产而向银行或金融机构进行的借款。
“房贷”指的是政府提供给贫困家庭的免费住房。
“房贷”是用于购买房屋的商业贷款，需要偿还并支付利息，并非免费住房。
如果一个人申请了“房贷”，通常意味着他正在考虑购买一套房子。
申请房贷的主要目的是为了获得资金购买房产。
房贷利率的上升会减少每月需要偿还的金额。
房贷利率上升意味着贷款成本增加，通常会导致每月需要偿还的金额增加。
/ 78 correct
Perfect score!
Summary
房贷 (fángdài) is the common term for a mortgage loan in Chinese.
- mortgage
- housing loan
- property financing
Literal Meaning Breakdown
拆开来看，'房' (fáng) means house or room, and '贷' (dài) means to lend or borrow. So, '房贷' literally translates to 'house loan'.
Common Usage in Sentences
You'll often hear '房贷' used with verbs like '还' (huán) meaning to repay, or '申请' (shēnqǐng) meaning to apply for. For example, '还房贷' (huán fángdài) means 'to repay the mortgage'.
Related Vocabulary: Loan
The character '贷' (dài) is also used in other loan-related terms, such as '贷款' (dàikuǎn), which is a more general term for loan or credit. Understanding '贷' helps you recognize other financial vocabulary.
Related Vocabulary: House
The character '房' (fáng) is found in many house-related words. For instance, '房子' (fángzi) means house, and '房间' (fángjiān) means room. Seeing this pattern helps build your vocabulary.
Related Content
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.
