シャドーイング練習: How Cheap Mortgages Are Backfiring On Homeowners - 動画で英語スピーキングを学ぶ

練習モードを選ぶ

各モードは全画面の練習ルームで開きます。

52 文

文が短すぎたり長すぎる場合は、Editをタップして調整してください。

Many homeowners made a bet on adjustable rate mortgages several years ago, hoping lower rates would save them money.

Now, that decision might backfire.

When the pandemic started in 2020, mortgage rates plummeted.

But many people back in 2020 decided to take a five -year adjustable or seven -year adjustable, and those rates are now beginning to reset.

For comparison, the rate on a new 5 -1 adjustable rate mortgage was 2 .9 % in October 2020.

Today, the rates are around 6 .5 percent.

Experts say the geopolitical uncertainty and renewed concerns about inflation are what's keeping mortgage rates elevated.

Mortgage rates are primarily tied to the 10 -year Treasury yield.

And the 10 -year Treasury yield is obviously very sensitive to economic data and most sensitive to the rate of inflation.

A lot of it does have to do with inflation

and specifically that energy portion of inflation we've seen

that oil prices have gone over a hundred dollars a barrel a couple of different times over the last six

or so months.

And then also just broader economic uncertainty.

The path forward feels a little bit unclear.

It's a little bit unclear what the Fed may do for the rest of the year.

And so all those factors are putting upward pressure on mortgage rates.

That matters for people with adjustable rate mortgages or arms, because unlike a traditional fixed rate mortgage, the interest rate doesn't stay the same for the entire loan.

Many arms still have a 30 -year term, But the interest rate is only fixed for an introductory period, often five, seven or ten years.

During that period, people typically get a lower rate than they would with a 30 -year fixed mortgage.

When the spread between a fixed rate mortgage and an adjustable rate mortgage is relatively large, it makes sense that more buyers would be drawn to that adjustable rate mortgage when they could be saving $100,

$200, $300 a month by locking in an adjustable rate mortgage and enjoying that fixed rate period at a much lower rate.

Arms still make up a relatively small share of the mortgage market, but the share of mortgage applications is growing.

They accounted for 10 .3 % of mortgage applications at the end of September 2026, up from 5 .9 % in October 2024.

The trade -off, however, comes when that introductory period ends.

From there, the interest rate begins adjusting based on the benchmark rate and terms of the loan.

There is risk associated with adjustable rate mortgages.

Of course, in the ideal world, you're able to refinance during that fixed rate period, and you never even have to think about your rate adjusting.

But that's the real risk here, is that should you make it to the point where your rate does adjust and your monthly payments go up very significantly, it could be very hard to absorb.

About 64 ,000 people with ARN loans are expected to see

their first interest rates change for the first time during the remainder of 2026.

With another $186 ,000 facing their first adjustment next year, that doesn't mean their rates can rise without limit.

ARMS typically have caps that limit how much the rate can increase at one time and over the life of a loan.

But for people who originally locked in when rates were much lower, even a limited increase can mean a much higher monthly payment.

Some adjustable rate options have caps at the rate at the end of the first adjustment

that can be as much as 5 % above the initial rate.

So your rate would go from 2 % or 3 % or wherever you locked in up to 7 % or 8%.

For people with ARM loans whose rates are about to change, the options may be limited.

Refinancing into a fixed -rate mortgage can protect against future increases, but it also means locking in today's higher rates and paying upfront costs.

But depending on the caps in terms of the loan, simply staying in the existing ARM can make more sense.

As for buyers thinking about an ARM, experts say to look beyond the lower introductory rate.

It's important to ask yourself a few questions.

How much can I flex my payment?

If the worst case were to happen, if my rate were to adjust the maximum amount, would I still be able to afford my monthly payments?

And then also, do I plan to stay put for the entire fixed rate period or beyond?

Because for some buyers, you know, if you know that you're planning to stay put only for a few years, then you can kind of take advantage of that fixed rate period

and then you're planning to sell before you get to the adjustable rate anyway, it can be a good choice

if it is a strategic decision instead of this is the only way that I can afford a mortgage, then I would advise to maybe take a step back and take another look at your budget.

For some buyers, an arm can make home ownership possible when a fixed rate mortgage feels out of reach.

But the trade -off is uncertainty.

A lower payment today can come with a higher payment years from now.

And in a housing market this expensive, that's a risk that they have to live with.

アプリをダウンロード

流暢に話すために必要なすべて

AI発音採点文ごとに採点

IPA練習すべての音をマスター

単語学習自分の単語帳を作る

単語ゲーム遊びながら覚える

QRをスキャン

Download on theApp Store Get it onGoogle Play

同じチャンネル

FOR YOU

このレッスンの語彙とスピーキングのポイント

このスピーキングレッスンは、動画「How Cheap Mortgages Are Backfiring On Homeowners」を教材にしています。繰り返し出てくる語は次のとおりです：rate, mortgage, adjustable, fixed, Arm。この動画には、シャドーイング用の文が31文、単語が860語あります。音声の長さは4:25です。話す速さは速く、1分あたり約195語です。音のつながりや弱く発音される音が多くなります。単語の84%は英語の頻出3,000語に含まれます。残りは練習の前に確認しておきましょう。

この動画の重要語彙

動画に出てくる覚えておきたい単語15語を、発音と意味つきで紹介します。

単語	発音	意味
mortgage 名詞	/ˈmoɹ.ɡɪd͡ʒ/	抵当, 抵当権
inflation 名詞	/ɪnˈfleɪ.ʃən/	インフレ, インフレーション
adjust 動詞	/əˈd͡ʒʌst/	調整する
buyer 名詞	/ˈbaɪ.əɹ/	買い手, 購買者
sensitive 形容詞	/ˈsɛn.sɪt.ɪv/	敏感な
yield 動詞	/jiːld/	もたらす
unclear 形容詞	/ʌnˈklɪɚ/	不明
adjustment 名詞	/əˈd͡ʒʌst.mənt/	調整, 調節
ideal 形容詞	/aɪˈdi(ə)l/	理想的な, 理想な
strategic 形容詞	/stɹəˈti.dʒɪk/	戦略的な
ownership 名詞	/ˈoʊnɚʃɪp/	所有権
associate 名詞	/əˈsoʊʃi.ət/	提携者
wherever	/(h)wɛɹˈɛvɚ/	どこでも
depend 動詞	/dɪˈpɛnd/	依存する
barrel 名詞	/ˈbæɹəl/	樽

動画に出てくる句動詞

単語	意味
go up 動詞	上がる, 登る

この動画の文法

話し手がよく使っている文型を、動画の実際の表現とともに紹介します。

文型	動画での表現
受動態 be + 過去分詞 — 誰がするかより、何が起きるかに焦点を当てる	is only fixed · would be drawn · are expected
現在完了形 have/has + 過去分詞 — 過去の出来事が今も関係している	we've seen · have gone

注意したい発音

話し手はyou're, doesn't, we'veなど、短縮形や弱形を6回使っています。聞こえたとおりの短い形で発音しましょう。

「sh」と「zh」の音: inflation /ɪnˈfleɪ.ʃən/, ownership /ˈoʊnɚʃɪp/, associate /əˈsoʊʃi.ət/, benchmark /ˈbɛn(t)ʃmɑːk/
長い単語（アクセントの位置に注意）: adjustable /əˈd͡ʒʌstəbəl/, uncertainty /ʌnˈsɜːtənti/, introductory /ˌɪntɹəˈdʌktəɹi/, primarily /ˈpɹaɪ.mə.ɹə.li/, associate /əˈsoʊʃi.ət/

日本語話者が苦手な音：

/r/ と /l/ の区別 — /l/ は舌先を歯茎につけ、/r/ はどこにもつけない: primarily /ˈpɹaɪ.mə.ɹə.li/, barrel /ˈbæɹəl/
/v/ — /b/ にならないように、上の歯を下唇に当てる: sensitive /ˈsɛn.sɪt.ɪv/, wherever /(h)wɛɹˈɛvɚ/, elevate /ˈɛləveɪt/
/f/ — 「フ」ではなく、上の歯と下唇で出す: inflation /ɪnˈfleɪ.ʃən/, flex /flɛks/, backfire /bækˈfaɪə(ɹ)/, upfront /ʌpˈfɹʌnt/

この動画での練習方法

まず声を出さずに動画を最後まで聞き、知らない単語をメモします。
まず0.75倍速で一文ずつシャドーイングし、慣れてきたら通常の速度に戻します。
自分の声を録音して元の音声と比べます。mortgage, inflation, adjustなどの単語に特に注意しましょう。

シャドーイングとは？英語上達に効果的な理由

シャドーイング（Shadowing）は、もともとプロの通訳者養成プログラムで開発された言語学習法で、多言語習得者として知られるDr. Alexander Arguelles によって広く普及されました。方法はシンプルですが非常に効果的：ネイティブスピーカーの英語を聞きながら、1〜2秒の遅延で声に出してすぐに繰り返す——まるで「影（shadow）」のように話者を追いかけます。文法ドリルや受動的なリスニングと異なり、シャドーイングは脳と口の筋肉が同時にリアルタイムで英語を処理・再現することを強制します。研究により、発音精度、抑揚、リズム、連音、リスニング力、そして会話の流暢さが大幅に向上することが確認されています。IELTSスピーキング対策や自然な英語コミュニケーションを目指す方に特におすすめです。

シャドーイングのやり方: ステップ別の完全ガイドを読む →

シャドーイング練習: How Cheap Mortgages Are Backfiring On Homeowners - 動画で英語スピーキングを学ぶ

練習モードを選ぶ

アプリをダウンロード

The Race To Power AI Is Reshaping America's Electric Grid

Watch AI Dock A Boat

Why 7-Eleven Failed In Indonesia

How AI Is Killing The Value Of A College Degree

Why Corporate America Is Spending More On Security

Inside Bracket22, A Trading Firm Powered By Al Agents

Why The Airline Business Is Broken

Why Hyundai’s Investing $26B In The U.S.

Why Even High Earners Are Living Paycheck To Paycheck

How Walmart Is Beating Everyone In Groceries

Inside The Real Estate Rush Behind AI

How Working For Google, Amazon, And Microsoft Lost 'Dream Job' Status

How Walmart Is Hoping Its New Tech Will Help Shoppers And Employees

How Chinese EVs Won Brazil — And Left U.S. Automakers Behind

Why Airline Ticket Prices Are Unlikely To Go Down

Where Did Americans’ Savings Go?

How Chinese Luckin Is Taking On Starbucks In the U.S.

How Amazon Delivers On One-Day Shipping

Why Timeshares Aren’t Worth It

Why Americans Are Buying Fewer Groceries

Is Renting Better Than Buying In The U.S.?

Margin Call 2011 Senior Partners Emergency Meeting HD 1080p

What If Inflation Goes Negative? Deflation Explained

videoplayback

Mortgages - Real Estate - Homeowners - Finance - Loan - American English - Conversation Practice

🚨Trump WANTS FOX OFF THE AIR after They SHOWED THIS!

15 Cheap Mistakes The Rich Never Make

Fed Rate Decision At FOMC Meeting

Pyramid Schemes and Ponzi Schemes Explained in One Minute

U.S. banks face rising funding cost pressures | Vietnam Today

Rival developers could be called in to finish thousands of Bathla homes in NSW | 7NEWS

What Firms Really Look For When Hiring Storm Adjusters