refi

refi — 名詞

1. the act of replacing an existing loan with a new one that offers better terms, s

1.名詞B2
釋義

轉貸；再融資

以新貸款取代舊貸款

the act of replacing an existing loan with a new one that offers better terms, such as a lower interest rate or a different repayment schedule — used especially in informal conversation about mortgages, student loans, and car loans

例句

Wei Chen decided to look into a refi after mortgage rates dropped by two percent.

Wei Chen 在房貸利率下降兩個百分點後，決定研究一下轉貸方案。

collocation: look into + a refi

Javier saved nearly three hundred dollars a month by doing a refi on his house.

Javier 透過房屋轉貸，每個月省下將近三百美元。

collocation: do + a refi on [property]

同義詞
  • refinancing

    the full, formal equivalent of 'refi'; preferred in official documents and formal writing

  • loan restructuring

    broader in scope — may involve changing terms without taking out a brand-new loan

  • mortgage refinance

    specific to home loans; more technical than the general term 'refi'

反義詞
  • foreclosure

    the loss of a property due to failure to repay, the opposite outcome of a successful refi

文法句型

get/have/do + a refi

apply for + a refi

refi + on + [loan/mortgage]

用法筆記

Refi is an informal shortened form of 'refinancing', used mainly in casual conversation and financial journalism. In formal writing, the full word 'refinancing' is preferred. It is most commonly used as a noun (countable when referring to a specific instance, uncountable when referring to the process).

常見錯誤

❌I refi'd my mortgage last year.
✅I did a refi on my mortgage last year.
💡'Refi' is a noun, not a verb in standard usage; use 'do a refi' or 'refinance' as the verb.
❌The refi was very smooth.
✅The refinancing process went smoothly.
💡In formal writing, avoid the abbreviation 'refi'.