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首付

shǒu fù

HSK 7–9

Meaning

  • down payment

Definition

首付是指在购买大宗商品（如房产、汽车）时，买方首次支付的部分款项，通常占总额的一定比例。

Down payment refers to the initial payment made by the buyer when purchasing high-value items such as real estate or vehicles, usually a certain percentage of the total price.

Usage

首付通常用于购房、购车等大额交易中，表示买方在贷款或分期付款前自行支付的第一笔资金。首付比例越高，后续贷款金额越少。

Down payment is commonly used in large transactions like buying a house or a car, indicating the first sum of money the buyer pays before obtaining a loan or installment plan. A higher down payment reduces the subsequent loan amount.

Examples

  • 1 买房时，首付至少要付总价的30%。 (When buying a house, the down payment must be at least 30% of the total price.)
  • 2 他攒了五年的钱，终于凑够了房子的首付。 (He saved for five years and finally saved enough for the down payment on a house.)
  • 3 这款车支持零首付购车，但月供会比较高。 (This car supports zero down payment purchase, but the monthly payments will be higher.)
  • 4 首付比例越高，贷款利息就越低。 (The higher the down payment ratio, the lower the loan interest.)
  • 5 为了降低首付压力，他选择了更长的贷款期限。 (To reduce the pressure of the down payment, he chose a longer loan term.)

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