mortgage v.抵押 n. 按揭(贷款)

loan 贷款

credit 信用

credit limit/credit line 信贷额度

limit 限额

installment 分期付款

credit sale 赊卖

overdraw v.透支 (过去式overdrew, 分词overdrawn)

overdraft n. 透支，透支额

generate 产生

loan out 借出

lender 贷方

interest-free 无息的

personal loan 个人贷款

fixed rate 固定利率

floating rate/variable rate/flexible rate 浮动利率

bank advance 银行放款

loan account 贷款账户

facility fee 开户费，服务费

account opening fee 开户费

open an account 开户

deferred payment 延期付款

例句:

A bank advance can take two forms, loan or overdraft. 银行放款有两种形式，贷款和透支。

My credit card is overdrawn by 10 thousand yuan. 我的信用卡透支了一万元。

I have an overdraft of 10 thousand yuan. 我有一万元的透支额。

I bought the apartment with a mortgage. 我用抵押贷款买的这套房。

I bought the apartment on a mortgage. 我以按揭方式买的这套房。(on=by means of以...方式)

I have to request a deferred payment this month. 这个月我不得不申请延期付款。