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'.
住宅ローンの金利が上がった。
Mortgage interest rates went up.
住宅ローンを組むのは大きな決断だ。
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).
この土地には抵当が設定されている。
A mortgage has been placed on this land.
Specifically the legal right of mortgage, used in legal or real estate contexts.
抵当権を抹消する手続きが必要です。
You need to go through the procedure to cancel the mortgage.
Describing the process of obtaining a mortgage.
The standard phrase for 'to take out a mortgage'. 組む means to arrange or set up a loan.
来年、住宅ローンを組む予定です。
I plan to take out a mortgage next year.
Literally 'to borrow a housing loan'. Slightly less formal than 組む, but still common.
銀行で住宅ローンを借りました。
I borrowed a mortgage from the bank.
Referring to the regular payment made on a mortgage.
Means 'mortgage repayment'. Often used when discussing the monthly burden.
毎月の住宅ローンの返済が大変です。
The monthly mortgage payments are tough.
Short for 住宅ローン, used in casual conversation when context is clear.
ローンの支払いが今月きつい。
The mortgage payment is tight this month.
Using property as security for a loan.
To put up one's house as collateral. 担保 means collateral or security.
事業資金のために家を担保に入れた。
I mortgaged my house for business funds.
More formal/legal way to say 'to mortgage' (put under mortgage).
その土地は銀行に抵当に入っている。
The land is mortgaged to the bank.
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.