国外学生贷款一次还债20年？这也太吓人了吧！来聊聊中外贷款的差异！

送福利啦！

不知道从什么时候起，我们努力奋斗的目标不仅仅是为了生存，而是为了过上更幸福的生活，比如买房或者买车。

当代人在买房买车没有条件付全款的情况下，必然会选择贷款。

那么你知道中外贷款有哪些差异吗？我们究竟应该如何去理解这些差异呢？

今天，我们就一起跟着 January 老师和外教 Max 老师来聊聊这个话题，并学习有关的英文表达吧⬇️

一定一定要点开音频

对照笔记一起学习，效果最好。

01.

拖欠

Arrears - Money that is owed and should already have been paid.

• He ran into difficulties with his mortgage, building up more than £18,000 arrears.
  他的抵押贷款遇到了困难，累积了超过18，000英镑的欠款。
  
  
• The government is committed to the full and timely payment of its public debt and arrears.
  政府承诺及时全额支付其公共债务和欠款。

02.

债务人

Debtor - A person, country, or organisation that owes money. 

• Student loans force students to graduate as debtors.

  助学贷款迫使学生作为债务人毕业。

• The Federal Deposit Insurance Corporation was appointed receiver of the debtor's assets.

  联邦存款保险公司被指定为债务人资产的接收人。

03.

破产

Bankrupt - unable to pay what you owe, and having had control of your

financial matters given, by a law court, to a person who sells your property to pay your debts. 

• He went bankrupt after only a year in business.

  他经商仅一年就破产了。

• The recession has led to many small businesses going bankrupt.

  经济衰退导致许多小企业破产。

04.

保释卡，免狱牌

(A) get out of jail free card - Something or a situation that allows you to avoid an unpleasant result of your actions, for example a punishment. 

• I'm afraid there's no get out of jail free card when it comes to your taxes. You either pay them, or you pay the fine.

  恐怕在你的税收问题上没有免狱卡。你要么付钱，要么交罚款。

• Becoming bankrupt is not a get out of jail free card.

  破产不是一张免费的出狱卡。

05.

讨债人

Debt collector - A person or company that collects payments from people who have failed to pay the money they owe. 

• After she became overdrawn, the bank closed her account and threatened her with debt collectors.
  她透支后，银行关闭了她的账户，并用讨债人威胁她。
  
  
• Just pay your debts. The last thing that you want is debt collectors knocking on your door.
  只要还债就行。你最不想要的就是讨债人敲你的门。
  
  
  
  

06.

一笔勾销，注销

To write sth off - To accept that an amount of money has been lost or that a debt will not be paid. 

• The World Bank is being urged to write off debts from developing countries.

  世界银行被敦促注销发展中国家的债务。

• My debts were written off years ago.

  我的债务几年前就一笔勾销了。

07.

重新开始

A clean slate - An absence of existing restraints or commitments. 

• I felt like I could start again with a clean slate.

  我觉得我可以重新开始。

• The criminal has completed his jail sentence and has come out with a clean slate.

  罪犯已服满刑期，并已改过自新。

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送福利啦！