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“按揭”一词是英文“mortgage”的粤语音译，大约于10年前从我国香港进入内地。《新词语大词典》对该词的定义为：“一种先从银行贷款购物（如汽车、房子等），然后分期归还银行本息的购物方式。”
虽然“按揭”的英文对应词为“mortgage”，但并非所有由“按揭”构成的语言单位中都必然出现“mortgage”一词，如“按揭成数loantovalue ratio”、“按揭尚欠余额outstanding loan balance”等。
近年来在上海等城市又出现了“倒按揭”的说法。例如，《第一财经日报》2006年3月10日就刊登了题为《两会热提“以房养老”，上海调研“倒按揭”可行性》的文章，相关报道在《解放日报》等主流媒体也屡见不鲜。
“倒按揭”又叫“住房反向抵押”，是指人们在年轻时为买房按揭多年，到老了再把房产抵押，按月领钱用于养老，辞世后住房由金融或保险机构收回还贷。“倒按揭”在国外兴起只有一二十年时间，最早起源于荷兰，在美国发展得最成熟。
“倒按揭”的英文对应词为reverse mortgage。美国官方网站（http:∥www.aarp.org/money/revmort/revmort basics/a2003-03-21-newloan.html)解释为：
A “reverse” mortgage is a loan against your home that you do not have to pay back for as long as you live there.With a reverse mortgage,you can turn the value of your home into cash without having to move or to repay the loan each month.The cash you get from a reverse mortgage can be paid to you in several ways:
all at once,in a single lump sum of cash;as a regular monthly cash advance;as a “creditline” account that lets you decide when and how much of your available cash is paid to you;or as a combination of these payment methods.
No matter how this loan is paid out to you,you typically don’t have to pay anything back until you die,sell your home,or permanently move out of your home.To be eligible for most reverse mortgages,you must own your home and be 62 years of age or older.
另外，“倒按揭”的英文对应词还有conversion mortgage和home equity conversion mortgage(HECM)。因为“The Home Equity Conversion Mortgage program enables older homeowners to withdraw some of the equity in their home in the form of monthly payments for life or a fixed term,or in a lump sum,or through a line of credit”（http:∥www.hud.gov/offices/hsg/sfh/hecm/hecmabou.cf)，HECM与reverse mortgage在按揭目的、条件、方式等方面完全同义。
（华东师范大学英语系 上海 200062）
（责任编辑 宋 岚）
虽然“按揭”的英文对应词为“mortgage”，但并非所有由“按揭”构成的语言单位中都必然出现“mortgage”一词，如“按揭成数loantovalue ratio”、“按揭尚欠余额outstanding loan balance”等。
近年来在上海等城市又出现了“倒按揭”的说法。例如，《第一财经日报》2006年3月10日就刊登了题为《两会热提“以房养老”，上海调研“倒按揭”可行性》的文章，相关报道在《解放日报》等主流媒体也屡见不鲜。
“倒按揭”又叫“住房反向抵押”，是指人们在年轻时为买房按揭多年，到老了再把房产抵押，按月领钱用于养老，辞世后住房由金融或保险机构收回还贷。“倒按揭”在国外兴起只有一二十年时间，最早起源于荷兰，在美国发展得最成熟。
“倒按揭”的英文对应词为reverse mortgage。美国官方网站（http:∥www.aarp.org/money/revmort/revmort basics/a2003-03-21-newloan.html)解释为：
A “reverse” mortgage is a loan against your home that you do not have to pay back for as long as you live there.With a reverse mortgage,you can turn the value of your home into cash without having to move or to repay the loan each month.The cash you get from a reverse mortgage can be paid to you in several ways:
all at once,in a single lump sum of cash;as a regular monthly cash advance;as a “creditline” account that lets you decide when and how much of your available cash is paid to you;or as a combination of these payment methods.
No matter how this loan is paid out to you,you typically don’t have to pay anything back until you die,sell your home,or permanently move out of your home.To be eligible for most reverse mortgages,you must own your home and be 62 years of age or older.
另外，“倒按揭”的英文对应词还有conversion mortgage和home equity conversion mortgage(HECM)。因为“The Home Equity Conversion Mortgage program enables older homeowners to withdraw some of the equity in their home in the form of monthly payments for life or a fixed term,or in a lump sum,or through a line of credit”（http:∥www.hud.gov/offices/hsg/sfh/hecm/hecmabou.cf)，HECM与reverse mortgage在按揭目的、条件、方式等方面完全同义。
（华东师范大学英语系 上海 200062）
（责任编辑 宋 岚）