抵押

• 병음: dǐ yā
• 한자 분석: 抵 = 扌 + 氐 (offset, pledge); 押 = 扌 + 甲 (to hold under hand — to secure)

뜻

저당 잡다; 담보로 제공하다

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.

예문

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。
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。
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。

사용 가이드

맥락: finance, law, real estate, banking

어조: neutral

올바른 표현

• 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.)

피해야 할 표현

• 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

기원과 역사

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

문화적 배경

세대: All ages

사회적 배경: Universal