我们是四川当铺，专业从事四川珠宝奢侈品的回收、鉴定、赎当、抵押和典当寄卖。
贷款是指向个人或机构提供一定金额的资金，以期在约定的时间内按照约定的利率和还款方式进行偿还的行为，贷款是一种常见的融资手段，可以帮助人们实现购房、购车、创业等各种资金需求，下面是一些与贷款相关的英语词汇及表达方式。
1. Loan - 贷款
Loan is the act of lending a certain amount of money to an individual or organization, with the expectation of repayment within a specified time frame and at an agreed interest rate.
2. Lender - 贷款人
A lender is an individual or institution that provides the loan to the borrower. Lenders can be banks, financial institutions, or private individuals.
3. Borrower - 借款人
A borrower is an individual or organization that receives the loan from the lender. Borrowers are obligated to repay the loan according to the terms and conditions agreed upon.
4. Interest rate - 利率
The interest rate is the percentage of the loan amount that the borrower is charged for borrowing the money. It is the cost of borrowing and is usually expressed as an annual percentage.
5. Principal - 本金
The principal is the original amount of money borrowed, before any interest or fees are added. It is the total amount that the borrower is required to repay.
6. Repayment - 还款
Repayment refers to the act of returning the borrowed money to the lender. This includes both the principal amount and any interest or fees that have accrued.
7. Installment - 分期付款
An installment is a regular payment made by the borrower to the lender, usually on a monthly basis, to gradually repay the loan. Each installment includes a portion of the principal and the interest.
8. Collateral - 抵押品
Collateral is an asset or property that the borrower pledges to the lender as security for the loan. It provides assurance to the lender that they can recover their money in case the borrower fails to repay.
9. Credit score - 信用评分
A credit score is a numerical representation of an individual's creditworthiness, based on their credit history and financial behavior. It is used by lenders to assess the borrower's ability to repay the loan.
10. Mortgage - 抵押贷款
A mortgage is a loan specifically used to finance the purchase of real estate. The property being purchased serves as collateral for the loan.
11. Personal loan - 个人贷款
A personal loan is a loan that is not secured by collateral. It is usually based on the borrower's creditworthiness and income.
12. Business loan - 商业贷款
A business loan is a loan specifically designed to meet the financial needs of a business. It can be used for various business purposes, such as expansion, equipment purchase, or working capital.
13. Loan term - 贷款期限
The loan term refers to the duration of the loan, during which the borrower is expected to repay the loan in full. It is usually expressed in months or years.
14. Default - 违约
Default occurs when the borrower fails to repay the loan according to the agreed terms and conditions. It can result in legal consequences and damage to the borrower's credit score.
15. Debt consolidation - 债务整合
Debt consolidation is the process of combining multiple debts into a single loan, usually with a lower interest rate. It helps borrowers simplify their repayment and manage their debts more effectively.
典当是指把财物抵押给典当行以获取临时资金的行为，典当行会根据财物的价值给予一定的贷款金额，借款人在约定的期限内还款并取回财物，典当是一种古老的融资方式，常见于一些金融困难或急需资金的情况下，在中国，典当行通常会接受珠宝、贵金属、古董字画等财物作为抵押品，典当行也提供一定的利息和服务费用。
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