一提到买房，一定绕不开“贷款”，

利率相对较低的公积金贷款更是我们的首选.

今天我们就一起来聊聊“公积金，贷款，买房”的那点事！

             01. “公积金”英文怎么说？

正确表达：housing provident fund

其中fund是名词，尤指某一特定的“基金，专款”，

如：

construction funds 建设基金

trust funds 信托基金

相关词汇还有：

endowment insurance 养老保险

medical insurance 医疗保险

unemployment insurance 失业保险

work-related injury insurance 工伤保险

maternity insurance 生育保险.

                02. “首付”英文怎么说？

首付的英文表达是：down payment

常说

make a (...%) down payment on sth

交了（......%）的首付购买

【解释】

If you make a down payment on something,

you pay only a percentage of the total cost ，

when you buy it. You then finish，

paying for it later, usually by paying ，

a certain amount every month.

指的是，你在买东西的时候先只付总费用的一部分。

之后，你再每月支付一定的金额。

【例句】

It has cost half of her savings to make a 10 percent ，

down payment on the car.

为了付那辆车10%的首付，

她花了一半的积蓄。

【拓展】

pay in/by instal(l)ments 分期付款

pay in/by interest-free instal(l)ments 免息分期付款

【例句】

A: "The new iPhone is too expensive.

I don't think I can afford it."

B: "Well, you can buy it online / and pay in instalments.

And it's interest-free!"

A:“新款iPhone太贵了，我想我买不起了。”

B:嗯，你可以在网上买，然后分期付款。还是免息的!”

pay in a lump sum 一次性付款

【例句】

You can pay for this car  either in a lump sum or in monthly installments.

这辆车的钱，您可以一次付清，

也可以按月分期付款。

                   03.  "贷款"英文怎么说？

贷款的英文表达是loan

student loan 学生助学贷款

bank loan 银行贷款

【解释】

A loan is a sum of money，

that you borrow.

【例句】

The president wants to make it easier

for small businesses to get bank loans.

总统想使小公司能更容易地获得银行贷款。

             04. “抵押贷款”英文怎么说？

mortgage /ˈmɔːrɡɪdʒ/  

搭配：

apply for/take out/pay off a mortgage

申请/取得/还清抵押货款

mortgage rates 按揭货款利率

【解释】

A mortgage is a loan of money ，

which you get from a bank or savings and loan ，

association in order to buy a house.

【例句】

They had to mortgage their home to pay the bills.

他们不得不抵押房屋来支付账单。