---
title: mortgage — school dictionary · trees and pragmatics
description: «mortgage» in the school dictionary: A mortgage is a big loan from a bank to buy a house or flat; you pay it back with interest, a bit every month, over many years. Every meaning for a pupil with its dependency tree and pragmatics.
---

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# mortgage

<!-- .vintro -->
**Who acts:** mortgage, you, bank, Mum, Most, Dad · **What happens:** be, buy, pay back, mortgage, not pay, take · **To what, where:** big loan, bank, house, mortgage, ours, payslips

<!-- .vabout -->
«mortgage» in the school dictionary: its 2 meanings for a pupil and its 8 examples, every sentence parsed by Mova itself — its syntax tree, a dependency tree in the style of Universal Dependencies, and its pragmatics clause by clause. The word in the dictionary, with its sense in the lessons: [mortgage in the school dictionary](https://md.mova.elamur.ai/free/en/dictionaries/school/w/mortgage.md).

## Meaning 1 {#m1}

<!-- .note -->
Usage: money — kept apart, not parsed.

<!-- .ven lang=en -->
A mortgage is a big loan from a bank to buy a house or flat; you pay it back with interest, a bit every month, over many years.

<!-- fold The tree, 28 words -->
```conllu
# sent_id = dict:school:mortgage:m1:1
# text = A mortgage is a big loan from a bank to buy a house or flat; you pay it back with interest, a bit every month, over many years.
1	A	a	DET	DT	Definite=Ind|PronType=Art	2	det	_	_
2	mortgage	mortgage	NOUN	NN	Number=Sing	6	nsubj	_	_
3	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	6	cop	_	_
4	a	a	DET	DT	Definite=Ind|PronType=Art	6	det	_	_
5	big	big	ADJ	JJ	Degree=Pos	6	amod	_	_
6	loan	loan	NOUN	NN	Number=Sing	0	root	_	_
7	from	from	ADP	IN	_	9	case	_	_
8	a	a	DET	DT	Definite=Ind|PronType=Art	9	det	_	_
9	bank	bank	NOUN	NN	Number=Sing	6	nmod	_	_
10	to	to	PART	TO	_	11	mark	_	_
11	buy	buy	VERB	VB	VerbForm=Inf	6	acl	_	_
12	a	a	DET	DT	Definite=Ind|PronType=Art	13	det	_	_
13	house	house	NOUN	NN	Number=Sing	11	obj	_	_
14	or	or	CCONJ	CC	_	15	cc	_	_
15	flat	flat	ADJ	JJ	Degree=Pos	13	conj	_	SpaceAfter=No
16	;	;	PUNCT	:	_	18	punct	_	_
17	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	18	nsubj	_	_
18	pay	pay	VERB	VBP	Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin	6	parataxis	_	_
19	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	18	obj	_	_
20	back	back	ADV	RB	_	18	advmod	_	_
21	with	with	ADP	IN	_	22	case	_	_
22	interest	interest	NOUN	NN	Number=Sing	18	obl	_	SpaceAfter=No
23	,	,	PUNCT	,	_	25	punct	_	_
24	a	a	DET	DT	Definite=Ind|PronType=Art	25	det	_	_
25	bit	bit	NOUN	NN	Number=Sing	22	conj	_	_
26	every	every	DET	DT	PronType=Tot	27	det	_	_
27	month	month	NOUN	NN	Number=Sing	18	obl:unmarked	_	SpaceAfter=No
28	,	,	PUNCT	,	_	31	punct	_	_
29	over	over	ADP	IN	_	31	case	_	_
30	many	many	ADJ	JJ	Degree=Pos	31	amod	_	_
31	years	year	NOUN	NNS	Number=Plur	18	obl:unmarked	_	SpaceAfter=No
32	.	.	PUNCT	.	_	6	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is a** | present | a mortgage | a big loan |  | a bank |  |  | tree rules |
| 2 | **buy** | to-infinitive |  | a house |  |  |  |  | vn accept-77.1 «NP V NP»: agent=Agent house=Theme |
| 3 | **pay back** | present | you | house |  |  | month; year | with interest and a bit | vn pay-68-1 «NP V NP»: agent=Agent it=Asset |

<!-- .note -->
One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

## Meaning 2 {#m2}

<!-- .note -->
Usage: money — kept apart, not parsed.

<!-- .ven lang=en -->
To mortgage a house is to use it as a promise for a loan: if you cannot pay, the bank can take the house.

<!-- fold The tree, 25 words -->
```conllu
# sent_id = dict:school:mortgage:m2:1
# text = To mortgage a house is to use it as a promise for a loan: if you cannot pay, the bank can take the house.
1	To	to	PART	TO	_	2	mark	_	_
2	mortgage	mortgage	VERB	VB	VerbForm=Inf	7	advcl	_	_
3	a	a	DET	DT	Definite=Ind|PronType=Art	4	det	_	_
4	house	house	NOUN	NN	Number=Sing	2	obj	_	_
5	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	7	cop	_	_
6	to	to	PART	TO	_	7	mark	_	_
7	use	use	VERB	VB	Mood=Imp|VerbForm=Fin	0	root	_	_
8	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	7	obj	_	_
9	as	as	ADP	IN	_	11	case	_	_
10	a	a	DET	DT	Definite=Ind|PronType=Art	11	det	_	_
11	promise	promise	NOUN	NN	Number=Sing	7	obl	_	_
12	for	for	ADP	IN	_	14	case	_	_
13	a	a	DET	DT	Definite=Ind|PronType=Art	14	det	_	_
14	loan	loan	NOUN	NN	Number=Sing	11	nmod	_	SpaceAfter=No
15	:	:	PUNCT	:	_	20	punct	_	_
16	if	if	SCONJ	IN	_	20	mark	_	_
17	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	20	nsubj	_	_
18	can	can	AUX	MD	VerbForm=Fin	20	aux	_	SpaceAfter=No
19	not	not	PART	RB	Polarity=Neg	20	advmod	_	_
20	pay	pay	VERB	VB	VerbForm=Inf	7	parataxis	_	SpaceAfter=No
21	,	,	PUNCT	,	_	25	punct	_	_
22	the	the	DET	DT	Definite=Def|PronType=Art	23	det	_	_
23	bank	bank	NOUN	NN	Number=Sing	25	nsubj	_	_
24	can	can	AUX	MD	VerbForm=Fin	25	aux	_	_
25	take	take	VERB	VB	VerbForm=Inf	20	conj	_	_
26	the	the	DET	DT	Definite=Def|PronType=Art	27	det	_	_
27	house	house	NOUN	NN	Number=Sing	25	obj	_	SpaceAfter=No
28	.	.	PUNCT	.	_	7	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **mortgage** | to-infinitive |  | a house |  |  |  |  | tree rules |
| 2 | **is** | present |  |  |  |  |  | as a promise for a loan; use *property* | tree rules |
| 3 | **not** **pay** *a condition, not said to happen* | can | you |  |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent |
| 4 | **take** | can | the bank | the house |  |  |  |  | vn bring-11.3 «NP V NP»: agent=Agent house=Theme |

## Example 1 {#x1}

<!-- .ven lang=en -->
Mum and Dad took out a mortgage to buy our house.

```conllu
# sent_id = dict:school:mortgage:x1:1
# text = Mum and Dad took out a mortgage to buy our house.
1	Mum	mum	NOUN	NN	Number=Sing	4	nsubj	_	_
2	and	and	CCONJ	CC	_	3	cc	_	_
3	Dad	Dad	PROPN	NNP	Number=Sing	1	conj	_	_
4	took	take	VERB	VBD	Mood=Ind|Number=Sing|Person=3|Tense=Past|VerbForm=Fin	0	root	_	_
5	out	out	ADP	RP	_	4	compound:prt	_	_
6	a	a	DET	DT	Definite=Ind|PronType=Art	7	det	_	_
7	mortgage	mortgage	NOUN	NN	Number=Sing	4	obj	_	_
8	to	to	PART	TO	_	9	mark	_	_
9	buy	buy	VERB	VB	VerbForm=Inf	4	advcl	_	_
10	our	our	PRON	PRP$	Case=Gen|Number=Plur|Person=1|Poss=Yes|PronType=Prs	11	nmod:poss	_	_
11	house	house	NOUN	NN	Number=Sing	9	obj	_	SpaceAfter=No
12	.	.	PUNCT	.	_	4	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **take out** | past | Mum and Dad | a mortgage |  |  |  |  | vn remove-10.1 «NP V NP»: agent=Agent mortgage=Theme |
| 2 | **buy** | to-infinitive | Mum and Dad *not said here* | our house |  |  |  |  | vn accept-77.1 «NP V NP»: agent=Agent house=Theme |

## Example 2 {#x2}

<!-- .ven lang=en -->
Most of Dad's pay goes on the mortgage.

```conllu
# sent_id = dict:school:mortgage:x2:1
# text = Most of Dad's pay goes on the mortgage.
1	Most	most	ADJ	JJS	Degree=Sup	6	nsubj	_	_
2	of	of	ADP	IN	_	5	case	_	_
3	Dad	Dad	PROPN	NNP	Number=Sing	5	nmod:poss	_	SpaceAfter=No
4	's	's	PART	POS	_	3	case	_	_
5	pay	pay	NOUN	NN	Number=Sing	1	nmod	_	_
6	goes	go	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
7	on	on	ADP	IN	_	9	case	_	_
8	the	the	DET	DT	Definite=Def|PronType=Art	9	det	_	_
9	mortgage	mortgage	NOUN	NN	Number=Sing	6	obl	_	SpaceAfter=No
10	.	.	PUNCT	.	_	6	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **go** | present | Most of Dad's pay |  |  | the mortgage |  |  | vn occur-48.3-2 «NP V PP»: agent=Theme on mortgage=Location |
| 2 | **pay** |  | Dad |  |  |  |  |  | nom pay «possession transitive»: poss=agent |

## Example 3 {#x3}

<!-- .ven lang=en -->
When the mortgage is paid off, the house will be all ours.

```conllu
# sent_id = dict:school:mortgage:x3:1
# text = When the mortgage is paid off, the house will be all ours.
1	When	when	SCONJ	WRB	_	5	mark	_	_
2	the	the	DET	DT	Definite=Def|PronType=Art	3	det	_	_
3	mortgage	mortgage	NOUN	NN	Number=Sing	5	nsubj:pass	_	_
4	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	5	aux:pass	_	_
5	paid	pay	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	13	advcl	_	_
6	off	off	ADP	RP	_	5	compound:prt	_	SpaceAfter=No
7	,	,	PUNCT	,	_	5	punct	_	_
8	the	the	DET	DT	Definite=Def|PronType=Art	9	det	_	_
9	house	house	NOUN	NN	Number=Sing	13	nsubj	_	_
10	will	will	AUX	MD	VerbForm=Fin	13	aux	_	_
11	be	be	AUX	VB	VerbForm=Inf	13	cop	_	_
12	all	all	DET	DT	PronType=Tot	13	reparandum	_	_
13	ours	our	PRON	PRP	Number=Plur|Person=1|Poss=Yes|PronType=Prs	0	root	_	SpaceAfter=No
14	.	.	PUNCT	.	_	13	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **pay off** | present · passive |  | the mortgage |  |  |  |  | vn pay-68-1 «NP V NP»: subject=Asset |
| 2 | **is a** | future | the house | ours |  |  |  |  | tree rules |

## Example 4 {#x4}

<!-- .ven lang=en -->
The bank checks your payslips before giving you a mortgage.

```conllu
# sent_id = dict:school:mortgage:x4:1
# text = The bank checks your payslips before giving you a mortgage.
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	bank	bank	NOUN	NN	Number=Sing	3	nsubj	_	_
3	checks	check	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	your	your	PRON	PRP$	Case=Gen|Person=2|Poss=Yes|PronType=Prs	5	nmod:poss	_	_
5	payslips	payslip	NOUN	NNS	Number=Plur	3	obj	_	_
6	before	before	SCONJ	IN	_	7	mark	_	_
7	giving	give	VERB	VBG	Tense=Pres|VerbForm=Part	3	advcl	_	_
8	you	you	PRON	PRP	Case=Acc|Person=2|PronType=Prs	7	iobj	_	_
9	a	a	DET	DT	Definite=Ind|PronType=Art	10	det	_	_
10	mortgage	mortgage	NOUN	NN	Number=Sing	7	obj	_	SpaceAfter=No
11	.	.	PUNCT	.	_	3	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **check** | present | the bank | your payslips |  |  |  |  | vn assessment-34.1 «NP V NP»: agent=Agent payslip=Theme |
| 2 | **give** | gerund | the bank *not said here* | a mortgage | you |  |  |  | vn give-13.1-1 «NP V NP-Dative NP»: agent=Agent you=Recipient mortgage=Theme |

## Example 5 {#x5}

<!-- .ven lang=en -->
If a family can't pay the mortgage, they might lose the house.

<!-- fold The tree, 13 words -->
```conllu
# sent_id = dict:school:mortgage:x5:1
# text = If a family can't pay the mortgage, they might lose the house.
1	If	if	SCONJ	IN	_	6	mark	_	_
2	a	a	DET	DT	Definite=Ind|PronType=Art	3	det	_	_
3	family	family	NOUN	NN	Number=Sing	6	nsubj	_	_
4	ca	can	AUX	MD	VerbForm=Fin	6	aux	_	SpaceAfter=No
5	n't	not	PART	RB	Polarity=Neg	6	advmod	_	_
6	pay	pay	VERB	VB	VerbForm=Inf	12	advcl	_	_
7	the	the	DET	DT	Definite=Def|PronType=Art	8	det	_	_
8	mortgage	mortgage	NOUN	NN	Number=Sing	6	obj	_	SpaceAfter=No
9	,	,	PUNCT	,	_	6	punct	_	_
10	they	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	12	nsubj	_	_
11	might	might	AUX	MD	VerbForm=Fin	12	aux	_	_
12	lose	lose	VERB	VB	VerbForm=Inf	0	root	_	_
13	the	the	DET	DT	Definite=Def|PronType=Art	14	det	_	_
14	house	house	NOUN	NN	Number=Sing	12	obj	_	SpaceAfter=No
15	.	.	PUNCT	.	_	12	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **not** **pay** *a condition, not said to happen* | can | a family | the mortgage |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent mortgage=Asset |
| 2 | **lose** | might | they | the house |  |  |  |  | vn succeed-74-3-1 «NP V NP»: agent=Agent house=Eventuality |

## Example 6 {#x6}

<!-- .ven lang=en -->
A mortgage of 200 thousand pounds paid at 1,000 a month takes a long time.

<!-- fold The tree, 15 words -->
```conllu
# sent_id = dict:school:mortgage:x6:1
# text = A mortgage of 200 thousand pounds paid at 1,000 a month takes a long time.
1	A	a	DET	DT	Definite=Ind|PronType=Art	2	det	_	_
2	mortgage	mortgage	NOUN	NN	Number=Sing	12	nsubj	_	_
3	of	of	ADP	IN	_	6	case	_	_
4	200	200	NUM	CD	NumForm=Digit|NumType=Card	5	compound	_	_
5	thousand	thousand	NUM	CD	NumForm=Word|NumType=Card	6	nummod	_	_
6	pounds	pound	NOUN	NNS	Number=Plur	2	nmod	_	_
7	paid	pay	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	6	acl	_	_
8	at	at	ADP	IN	_	9	case	_	_
9	1,000	1000	NUM	CD	NumForm=Digit|NumType=Card	7	obl	_	_
10	a	a	DET	DT	Definite=Ind|PronType=Art	11	det	_	_
11	month	month	NOUN	NN	Number=Sing	7	obl:unmarked	_	_
12	takes	take	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
13	a	a	DET	DT	Definite=Ind|PronType=Art	15	det	_	_
14	long	long	ADJ	JJ	Degree=Pos	15	amod	_	_
15	time	time	NOUN	NN	Number=Sing	12	obj	_	SpaceAfter=No
16	.	.	PUNCT	.	_	12	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **pay** | participle |  | thousand pounds *not said here* |  | 1,000 | month |  | vn pay-68-1 «NP V NP»: agent=Agent |
| 2 | **take** | present | a mortgage of thousand pounds |  |  |  | time |  | vn bring-11.3 «NP V NP»: agent=Agent |
| 3 | **mortgage** |  |  | thousand pounds |  |  |  |  | nom mortgage «possession transitive»: of=patient |

## Example 7 {#x7}

<!-- .ven lang=en -->
Renting is different from having a mortgage.

```conllu
# sent_id = dict:school:mortgage:x7:1
# text = Renting is different from having a mortgage.
1	Renting	rent	VERB	VBG	VerbForm=Ger	3	nsubj	_	_
2	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	cop	_	_
3	different	different	ADJ	JJ	Degree=Pos	0	root	_	_
4	from	from	SCONJ	IN	_	5	mark	_	_
5	having	have	VERB	VBG	Tense=Pres|VerbForm=Part	3	advcl	_	_
6	a	a	DET	DT	Definite=Ind|PronType=Art	7	det	_	_
7	mortgage	mortgage	NOUN	NN	Number=Sing	5	obj	_	SpaceAfter=No
8	.	.	PUNCT	.	_	3	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **rent** | gerund |  |  |  |  |  |  | vn give-13.1-1 «NP V PP.recipient»: agent=Agent |
| 2 | **is** | present |  |  |  |  |  | different *property* | tree rules |
| 3 | **have** | gerund |  | a mortgage |  |  |  |  | vn birth-28.2-1 «NP V NP»: agent=Agent mortgage=Patient |

## Example 8 {#x8}

<!-- .ven lang=en -->
Now my horses and lands are all mortgaged, it is indeed high time; but gold will come at last--at Easter.'

<!-- fold The tree, 21 words -->
```conllu
# sent_id = dict:school:mortgage:x8:1
# text = Now my horses and lands are all mortgaged, it is indeed high time; but gold will come at last--at Easter.'
1	Now	now	ADV	RB	PronType=Dem	8	advmod	_	_
2	my	my	PRON	PRP$	Case=Gen|Number=Sing|Person=1|Poss=Yes|PronType=Prs	3	nmod:poss	_	_
3	horses	horse	NOUN	NNS	Number=Plur	8	nsubj	_	_
4	and	and	CCONJ	CC	_	5	cc	_	_
5	lands	land	NOUN	NNS	Number=Plur	3	conj	_	_
6	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	8	aux:pass	_	_
7	all	all	ADV	RB	_	8	advmod	_	_
8	mortgaged	mortgage	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	0	root	_	SpaceAfter=No
9	,	,	PUNCT	,	_	14	punct	_	_
10	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	14	nsubj	_	_
11	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	14	cop	_	_
12	indeed	indeed	ADV	RB	_	14	advmod	_	_
13	high	high	ADJ	JJ	Degree=Pos	14	amod	_	_
14	time	time	NOUN	NN	Number=Sing	8	obl:unmarked	_	SpaceAfter=No
15	;	;	PUNCT	,	_	19	punct	_	_
16	but	but	CCONJ	CC	_	19	cc	_	_
17	gold	gold	NOUN	NN	Number=Sing	19	nsubj	_	_
18	will	will	AUX	MD	VerbForm=Fin	19	aux	_	_
19	come	come	VERB	VB	VerbForm=Inf	8	conj	_	_
20	at	at	ADP	IN	_	21	case	_	_
21	last	last	ADJ	JJ	Degree=Pos	19	obl	_	SpaceAfter=No
22	--	--	PUNCT	,	_	24	punct	_	SpaceAfter=No
23	at	at	ADP	IN	_	24	case	_	_
24	Easter	Easter	PROPN	NNP	Number=Sing	19	obl	_	SpaceAfter=No
25	.	.	PUNCT	.	_	8	punct	_	SpaceAfter=No
26	'	'	PUNCT	''	_	8	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **mortgage** | present · passive |  | my horses and lands |  |  | now | all *property* | tree rules |
| 2 | **is a** | present | it | high time |  |  |  | indeed *property* | tree rules |
| 3 | **come** | future | gold |  |  | last |  | at Easter | vn appear-48.1.1 «NP V PP.location»: agent=Theme at last=Location |

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**Text:** the school dictionary of Mova's schools (`world/data/dictionary-schools/`), written for Mova. **Trees:** Mova's own parse — the `en` model on the CPU, when the site is built — not checked by a teacher; they may be wrong. **Frames:** Mova's frames reader (`prag`), each meaning and example read on its own. Elamur Cosmic License.

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