foreclose

Foreclose是英語中的動詞，兼作及物與不及物動詞，英式音標為[fɔːˈkləʊz]，美式音標為[fɔːrˈkloʊz]，核心含義為“取消抵押品贖回權”，作及物動詞時亦指“阻止”或“排除”。

該詞主要用於法律及金融領域，特指債權人因借款人違約而通過法律程式收回抵押財產，如房地產貸款違約後的資產處置；作不及物動詞時常搭配介詞“on”，如“foreclose on a property”。其法律屬性體現在短語“right to foreclose”（止贖權）中，而“排除可能性”等引申用法則適用於非專業語境。

詞源可追溯至古法語“forclos”（關閉、排除），經盎格魯-諾曼語傳入英語，原指法律意義上的權利剝奪。隨著現代金融體系發展，該詞逐漸專用於描述抵押貸款違約後的法定清償程式，成為英美財產法的重要術語。

基本介紹

• 外文名：foreclose
• 詞性：及物動詞、不及物動詞
• 英式發音：[fɔːˈkləʊz]
• 美式發音：[fɔːrˈkloʊz]

單詞釋義

英 [fɔːˈkləʊz] 美 [fɔːrˈkloʊz]

vt. 阻止；排除；取消抵押品贖回權

vi. 取消抵押品贖回權

[ 第三人稱單數 forecloses 現在分詞 foreclosing 過去式 foreclosed 過去分詞 foreclosed ]

單詞用法

柯林斯英漢雙解大詞典

foreclose /fɔːˈkləʊz/ ( foreclosing, foreclosed, forecloses )

1.V-I If the person or organization that lent someone money forecloses, they take possession of a property that was bought with the borrowed money, for example, because regular repayments have not been made. 取消 (抵押品的) 贖回權 [商業]

短語搭配

right to foreclose 止贖的權利

foreclose entry 封阻進入

foreclose e 排除

Foreclose Upon 取消抵押品贖回權

Foreclose from 運輸模式

foreclose shipping 礙航

雙語例句

• His business is foreclose. 他的生意失敗了。
• If you don't, the lender will foreclose on the home. 如果你不，貸方將排除在回家。
• They tried to foreclose the possibility of his meeting with the chairman. 他們設法排除他與董事長會面的可能性。
• To me, the easy way out of such dilemmas is to foreclose the tension. 對我來說，最簡單的方法就是從這樣的困境沒收了緊張感。
• For when you fail to do so, the lender will then foreclose your loan. 當你不這樣做，貸款，然後將預先您的貸款。
• Lenders of all stripes clearly prefer to foreclose on delinquent borrowers. 對於逾期不還貸的借款人，形形色色的放款人明顯青睞沒收他們的房產。
• I also urged Yeltsin not to foreclose the possibility of future Russian membership. 我也敦促葉爾欽，不要事先排除俄羅斯未來成為北約成員國的可能性。
• That way they can foreclose , sell your home and take all the equity you have. 這樣，他們可以回贖，賣你的家，並採取所有的股票越多。
• That's a lot of work to foreclose on an 8,000-mile-in-diameter ball of molten iron and rock. 在這個滿是岩漿和岩石的直徑有八千英里的星球上，那是很大的工作量。
• The biggest fear in the market is that Banks will foreclose on borrowers and start a fire-sale. 市場最大的恐懼是銀行會取消借款者的贖回權，並進行減價出售。
• "I suspect the bank wanted to foreclose because we were so near to paying off the mortgage," says Mark. 馬克說，“因為我們已經非常接付清近抵押借款了，所以我猜測銀行就是想取消我們的抵押品贖回權。”
• Creditors with secured claims can foreclose upon (seize title to) these assets if the borrower defaults. 如果借款人違約，持有擔保索賠權的債權人可以沒收抵押品資產。
• Why would you make a loan if you weren't even sure that, if the guy defaulted, you could at least foreclose? 為什麼你貸款，如果你甚至不知道，如果違約的傢伙，你至少可以取消抵押品贖回權？
• A subsidiary of Bank of America moved to foreclose on Peace's home in Florida, citing delinquent payments on Peace's mortgage. 美國銀行的次級機構去止贖帕貝爾佛羅里達總部，並引用其有拖欠的按揭款。
• Finally, consistent with the reason why lenders prefer IOs, these mortgages are more likely to be repaid earlier or foreclose. 最後，同出借方更喜歡IOS的理由相一致，這些按揭更有可能被提前償還或者取消贖回權。
• Few lenders want to foreclose, a process that takes ages, incurs massive costs and often causes the departing residents to trash the house. 幾乎沒有出貸者想要提前收回債權，因為這個過程要花費大量的時間，成本過高，而且常常造成搬走的房客毀壞房屋的事件。
• Banks in this situation face a stark choice: foreclose on the loan and trigger a fire sale, or hang on in the hope that the market will improve. 如此情況使銀行面臨著一個無法迴避的抉擇：取消貸款回贖進行銷售，或者寄希望於市場好轉持觀望狀態。
• More bad news for Dr. Conrad Murray — the bank is trying to foreclose on his Las Vegas home … the one that was filled with DEA agents yesterday. 默里更壞的訊息—銀行嘗試取消他在拉斯維加斯的住房…一個昨天DEA官員都知道。
• If the building goes bankrupt, the lender will foreclose on the ownership of the common area, but individual apartment owners will not be affected. 如果該棟建築物房產破產，貸方會取消公共區域的贖回權，但個人部分不受影響。
• Senior bondholders, who are owed around $3 billion, objected: they wanted to foreclose on the property and sell it off in order to recoup their money. 擁有大月30億美元債權的高級債務所有人反對鐵獅門和黑岩打算放棄抵押品贖回權並將其賣出以補償資金損失的想法。
• Recent studies of New York and Cleveland find that, if lenders foreclose on 3-4% of properties in an area, local prices fall even faster and further than average. 紐約和克利夫蘭的最新研究發現，如果某一地區的貸方取消3至4%的房產贖回權，那么當地房價下滑態勢甚至較平常更快的進一步走軟。
• The company responded by halting sales of seized homes in the 23 states where court approval is required to foreclose while it gets to the bottom of its "robo-signing" problem. 該公司(不是這些公司)對法拍門的回應是立即在法拍需要法庭核准的23個州里停止對回收樓宇的拍賣，並與此同時，深入調查該公司“自動審批”收樓案件的底細。
• Few lenders want to foreclose, a process that takes ages, incurs massive costs and often causes the departing residents to trash the house. It is better to agree on a quick sale. 幾乎沒有出貸者想要提前收回債權，因為這個過程要花費大量的時間，成本過高，而且常常造成搬走的房客毀壞房屋的事件。
• When they failed to repay the losses, Citizens reported their personal account as delinquent to credit bureaus, and six months after the theft threatened to foreclose on their home. 而當他們無法支付損失時，國民銀行向徵信所舉報他們的個人銀行賬號欠債不還，還在失竊半後，威脅要將他們的房子贖回。
• About three or four nights every week, peasant debtors, bearing gifts of meat and wine, would feast the principal in the school rooms, trying to persuade him not to foreclose on their land. 每星期總有三四個晚上，負債的農民拿著酒肉到學堂里請校長吃席，求他不要沒收他們典出的土地。