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downpayment
This term describes the immediate financial commitment required to secure a loan or a purchase agreement. It carries a connotation of stability and trust, as the sum serves as collateral and demonstrates the buyer's seriousness to the lender.
In real estate and automotive sales, the size of this payment directly influences the interest rate and the monthly obligation. It is a technical term used primarily in financial and legal transactions, though it is common in everyday conversations about major life purchases.
Meanings
Examples
I need to save more money for a downpayment on a house.
How much of a downpayment is required for this car?
The bank requires a twenty percent downpayment for the mortgage.
We made a substantial downpayment to lower our monthly installments.
Maybe if I skip vacations this year I can cover the downpayment.
The seller agreed to a lower downpayment to close the deal quickly.
A large downpayment reduces the total interest paid over time.