抵押

• Pinyin: dǐ yā
• Hanzi breakdown: 抵 = 扌 + 氐 (offset, pledge); 押 = 扌 + 甲 (to hold under hand — to secure)

Meaning

To mortgage; to pledge as collateral. To offer property or assets as security for a loan or obligation.

A core term in finance and real estate law. Common forms include 抵押贷款 (mortgage loan), 抵押品 (collateral), 房产抵押 (property mortgage). Central to China's real estate market. Also used in broader legal contexts for securing obligations.

Examples

1. 他将名下的房产抵押给银行，获得了一笔启动资金用于创业。 He mortgaged a property in his name to the bank to get startup capital for his business.
2. 抵押品的价值评估须由经认证的机构完成，以确保贷款金额的合理性。 The value of collateral must be assessed by a certified institution to ensure the loan amount is reasonable.
3. 由于企业资金链断裂，大量抵押资产被银行依法处置，用于偿还债务。 After the company’s cash flow collapsed, a large amount of mortgaged assets was disposed of by the bank according to law to repay debts.

Usage Guide

Context: finance, law, real estate, banking

Tone: neutral

Do Say

• 申请经营贷款时，银行通常要求借款人以固定资产进行抵押，以降低信贷风险。(When applying for a business loan, banks typically require borrowers to pledge fixed assets as collateral to reduce credit risk.)
• 在未清偿抵押贷款的情况下擅自出售房产，可能构成违法行为并承担相应责任。(Selling a mortgaged property without settling the outstanding loan may constitute an illegal act with corresponding liability.)

Don't Say

• 把车抵押了出去 — use 将车辆抵押给银行 or 以车辆作为抵押担保; 抵押 is a formal transactional verb — use formal object structures rather than directional complements like 出去

Origin & History

抵 (offset/pledge) + 押 (to hold as security)

Cultural Context

Generation: All ages

Social background: Universal