refinance
gb/ɹˈifˈaɪnˌæns/ us/ɹˈifˈaɪnˌæns/
C1
英語
~ 5600
語義
0件の語義
動詞
C1
action
1
replace an existing loan with a new one
To get a new loan to pay back an old loan, usually so you can pay less interest or change how you pay it back.
用法パターン：
to refinance [a loan / mortgage / debt]
よくある間違い：
Learners sometimes confuse "refinance" with "finance" or "fund". "Finance" means to provide money for a purchase or project for the first time, while "refinance" means to replace an existing loan with a new one. It is also sometimes confused with "refund", which means to give money back.
類義語
remortgage (Common in British English and usually used specifically for home loans, while "refinance" is broader and used more generally in finance.)
|
restructure (More formal and often used for changing debt terms without always taking out a completely new loan.)
対義語
maintain (To keep the current loan and its terms instead of replacing it with a new one.)
コロケーション
refinance a mortgage
|refinance student loans
|refinance existing debt
|decide to refinance
|plan to refinance
|refinance at a lower rate
テーマ
business
|finance
|housing
例文
- We decided to refinance our mortgage to take advantage of the lower interest rates.
- Many homeowners refinance their loans to reduce their monthly payments.
- The company plans to refinance its short‑term debt with a long‑term bond issue.
- She refinanced her student loans to lock in a fixed interest rate.
- Banks are offering special deals to customers who refinance before the end of the year.
学習者向け例文
- I want to refinance my home loan to pay less every month.
- They refinanced their car loan when interest rates went down.
- The company refinanced its debt to make payments easier.
- He is thinking about refinancing his student loans.
- We refinanced our mortgage to get a lower rate.
名詞
C1
entity
2
an instance of replacing a loan
The action or deal where you get a new loan to pay back an old loan.
用法パターン：
a refinance of [a loan / a mortgage]
よくある間違い：
Learners may think "refinance" is only a verb and not realize it can be used as a countable noun in finance, especially in U.S. English, as in "do a refinance" or "a mortgage refinance".
類義語
refinancing (A more formal and slightly more common noun form; "a refinance" is especially frequent in U.S. financial and real‑estate speech.)
対義語
renewal (In some financial contexts, renewing an existing agreement keeps the basic loan rather than replacing it with a new one, contrasting with a refinance.)
コロケーション
do a refinance
|a mortgage refinance
|a cash‑out refinance
|apply for a refinance
|qualify for a refinance
テーマ
business
|finance
|housing
例文
- We’re considering a refinance of our 30‑year mortgage.
- The bank offers a quick online process for a mortgage refinance.
- A cash‑out refinance allowed them to pay for home improvements.
- She applied for a refinance to take advantage of lower rates.
- This type of refinance can shorten the length of your loan.
学習者向け例文
- They did a refinance on their house last year.
- I want to ask the bank about a mortgage refinance.
- This refinance will help us save money.
- He is waiting to see if his refinance is approved.
- A cash‑out refinance gave them money to fix the kitchen.
文法
辞書形
refinance
IPA
GB/ɹˈifˈaɪnˌæns/
US/ɹˈifˈaɪnˌæns/
音節・強勢
re - fin - ance （3音節）
Stress on 1st syllable (re)
活用形
Verb
- Base: refinance
- 3rd Person Singular: refinances
- Present Participle: refinancing
- Past: refinanced
関連語
Forms
refinances
verb
refinancing
verb
refinanced
verb
Core family
Related words
financing
noun B2
financier
noun
表現
cash-out refinance
1/kˈæʃ ˈaʊt ɹˈifˈaɪnˌæns/
fixed phrase
technical
refinance that gives extra cash
A type of refinance where you get a bigger new loan than your old home loan, and you take the extra money in cash.
例文
- They used a cash‑out refinance to pay for their kitchen remodel.
- A cash‑out refinance can be risky if home prices fall.
- Your lender can explain whether a cash‑out refinance is a good option for you.
rate-and-term refinance
1/ɹˈeɪt ˈænd tˈɚm ɹˈifˈaɪnˌæns/
fixed phrase
technical
refinance changing only rate or length
A type of refinance where you change the interest rate or how long the loan lasts, but you do not take extra cash from the loan.
例文
- A rate‑and‑term refinance helped them pay off their mortgage faster.
- With a rate‑and‑term refinance, you can lower your payment without taking cash out.
- The broker explained the difference between a cash‑out refinance and a rate‑and‑term refinance.
refinance a mortgage
1/ɹˈifˈaɪnˌæns ə mˈɔɹɡɪd͡ʒ/
fixed phrase
replace an existing home loan
To get a new home loan to pay back your old home loan, usually to save money or change how long you pay.
例文
- Many people refinance a mortgage when interest rates fall.
- We decided to refinance our mortgage to lower our monthly payments.
- If you refinance a mortgage, you may pay less interest over time.
refinance student loans
1/ɹˈifˈaɪnˌæns stˈudənt lˈoʊnz/
fixed phrase
replace existing student loan debt
To get a new loan to pay back your student loans, usually to get a lower interest rate or different payment plan.
例文
- She decided to refinance student loans to reduce her interest rate.
- Many graduates refinance student loans once they have a stable income.
- Before you refinance student loans, compare offers from several banks.