Translation guide
A loan secured by real estate, typically used to purchase a home. In Japanese, the concept is expressed with specific terms for the loan itself, the act of taking one out, and related financial vocabulary.
Referring to the mortgage as a financial product or debt.
The most common and general term for a home loan or mortgage. Literally 'housing loan'.
Mortgage interest rates went up.
Taking out a mortgage is a big decision.
Legal/technical term for a mortgage or collateral. Often used in compound words like 抵当権 (mortgage right).
A mortgage has been placed on this land.
Specifically the legal right of mortgage, used in legal or real estate contexts.
You need to go through the procedure to cancel the mortgage.
Describing the process of obtaining a mortgage.
Referring to the regular payment made on a mortgage.
Using property as security for a loan.
The English word 'mortgage' is often used as a verb ('to mortgage a house'). In Japanese, you usually need a phrase like 担保に入れる or 抵当に入れる. Simply using モーゲージ is not common; it's a loanword but rarely used in daily conversation.
住宅ローン is the consumer-friendly term for a home loan. 抵当 is the legal concept of a mortgage/lien. Use 住宅ローン when talking about your own home loan; use 抵当 in legal, real estate, or financial contexts.
I borrowed a mortgage from the bank.
The mortgage payment is tight this month.
The land is mortgaged to the bank.