Mortgage

Meaning and uses of borrow, lend, loan and mortgage in English by Socheat | Jabar Post Indonesia

Meaning and uses of borrow, lend, loan and mortgage in English by Socheat | Jabar Post Indonesia/a> – This time JabarPost.Net will discuss about Mortgage.

The following is Meaning and uses of borrow, lend, loan and mortgage in English by Socheat. And for those of you who want to find a similar explanation, you can search in the Mortgage category

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Meaning and uses of borrow, lend, loan and mortgage in English by Socheat | Jabar Post Indonesia

A mortgage loan or, simply, mortgage (/ˈmɔːrɡɪdʒ/) is used either by purchasers of real property to raise funds to buy real estate, or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged. The loan is “secured” on the borrower’s property through a process known as mortgage origination. This means that a legal mechanism is put into place which allows the lender to take possession and sell the secured property (“foreclosure” or “repossession”) to pay off the loan in the event the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a Law French term used in Britain in the Middle Ages meaning “death pledge” and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.[1] A mortgage can also be described as “a borrower giving consideration in the form of a collateral for a benefit (loan)”.

Mortgage borrowers can be individuals mortgaging their home or they can be businesses mortgaging commercial property (for example, their own business premises, residential property let to tenants, or an investment portfolio). The lender will typically be a financial institution, such as a bank, credit union or building society, depending on the country concerned, and the loan arrangements can be made either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. The lender’s rights over the secured property take priority over the borrower’s other creditors, which means that if the borrower becomes bankrupt or insolvent, the other creditors will only be repaid the debts owed to them from a sale of the secured property if the mortgage lender is repaid in full first.

In many jurisdictions, it is normal for home purchases to be funded by a mortgage loan. Few individuals have enough savings or liquid funds to enable them to purchase property outright. In countries where the demand for home ownership is highest, strong domestic markets for mortgages have developed. Mortgages can either be funded through the banking sector (that is, through short-term deposits) or through the capital markets through a process called “securitization”, which converts pools of mortgages into fungible bonds that can be sold to investors in small denominations.



Borrow, Lend, Loan and Mortgage are daily use words which you should know clearly.
These words have similar and different meanings according to the context.

Borrower (n) អ្នកខ្ចី
Take out a loan ខ្ចីលុយ

Could I borrow your bike until next week?
Can I borrow $20? I’ll pay you back tomorrow.
May I borrow your car tonight?
English has borrowed many words from French.
I had to take out a loan to buy my car.

Borrow (v) ខ្ចី (លុយ ភាសា គំនិត របស់ផ្សេងៗ…)
Borrower (n) អ្នកខ្ចី
Take out a loan ខ្ចីលុយ
Could I borrow your bike until next week?
Can I borrow $20? I’ll pay you back tomorrow.
May I borrow your car tonight?
English has borrowed many words from French.
I had to take out a loan to buy my car.

Lend (v) ឲ្យខ្ចី (លុយ របស់ផ្សេងៗ…)
Lender (n) អ្នកឲ្យខ្ចី
Let somebody borrow
Can you lend me $20?
All right, I’ll lend you the money.
I lent Tom my raincoat.
The bank refuses to lend to students.
The bank agreed to lend him $5,000.
The smaller local lenders charge high interest rates.
The hospital agreed to lend us a wheelchair.
Loan (v) ឲ្យខ្ចី (អ្វី១ លុយ របស់ផ្សេងៗ…)
Loan (n) កម្ចី
This library loans books and CDs.
Can you loan me $10 until payday?
The bank loaned the company one million dollars.
Mary took out a loan in order to pay her debts.
The bank would not loan (not lend) me the money.
take out a loan =borrow money
repay/pay off/pay back a loan
give somebody a loan= to make a loan
ask for/apply for a loan

Mortgage (v) បញ្ចាំ ដាក់បញ្ចាំ
mortgagee (n) អ្នកបញ្ចាំ អ្នកដាក់បញ្ចាំ
mortgager (n) អ្នកទទួលបញ្ចាំ

I mortgage my house to the bank.
I mortgaged my farm to Bopha for USD10,000.

Please watch video for more detail and explanation:

More video lessons please find in the below links:
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Meaning and uses of borrow, lend, loan and mortgage in English by Socheat

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