借り換え
解説 Definition
refinancing は refinance（借り換える）の現在分詞・動名詞です。ローンや住宅ローンなどを、より有利な条件の新しい借り入れに置き換える行為を表します。
Refinancing is the present-participle or gerund form of refinance. It refers to replacing an existing loan or debt arrangement with a new one, commonly to obtain a lower interest rate, reduce monthly payments, change the repayment period, or alter other terms.
覚え方のコツ Memory Tip
原形 refinance「借り換える」に -ing を付けた現在分詞・動名詞で、末尾の e を落として refinancing と綴ります。re-「再び」＋ finance「資金を調達する」と分け、「今のローンを新しい条件のローンで組み直す」と理解します。mortgage、home loan、debt とよく結びつきます。
Break refinancing into re- (“again”), finance, and -ing. The base verb is refinance; when -ing is added, the final silent e is dropped, producing refinancing. Picture replacing an old loan contract with a new one instead of merely paying the old debt: homeowners may refinance a mortgage to seek a better interest rate or a different repayment period. Common partners are mortgage, home loan, and debt. Remember that refinancing can reduce payments, but the word itself does not promise savings because fees, longer terms, and other conditions may affect the result.
例文
They are refinancing their home loan this month.
彼らは今月、住宅ローンを借り換えています。
Refinancing can lower the monthly payment if the interest rate is better.
金利がよくなれば、借り換えで月々の支払いを下げられることがあります。
The company considered refinancing its debt before the old agreement ended.
その会社は古い契約が終わる前に、債務の借り換えを検討しました。
refinancing の類義語・関連語
類義語
対義語
紛らわしい語
refinancing の語源・成り立ち Etymology
refinancing は re-「再び」+ finance + -ing から成り、finance は古フランス語 finance を経て、ラテン語 finis「終わり・清算」にさかのぼります。もともと「借金を清算する」感覚があり、そこに re- が付くので「条件を組み替えて借り直す」と納得できます。関連語は final, finish。
Refinancing is formed from refinance plus the participial suffix -ing, with the final e of refinance omitted. Refinance combines re-, “again or anew,” with finance. Finance entered English through French and ultimately relates to Latin finis, “end,” reflecting an older connection between settling a payment and bringing an obligation to an end. The modern verb refinance specifically developed the sense of funding an existing debt again under a new arrangement.
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