In money and banking, an unsecured loan or debt is one where you have not promised the bank anything of yours to take if you stop paying. A house loan is secured — miss enough payments and the bank can take the house.

In money and banking在金融和銀行的用語裡， an unsecured loan or debt is one where you have not promised the bank anything of yours to take if you stop payingunsecured loan（無擔保貸款）或無擔保債務，就是你沒有拿任何東西向銀行承諾「如果不還錢就拿去抵」的貸款。A house loan is secured房貸就是有擔保的——miss enough payments and the bank can take the house欠繳到一定程度，銀行就可以把房子收走。

Credit-card debt and most small personal loans are unsecured: there is no house, no car, nothing held against the debt, only your promise and your record. Because the bank is taking more risk, unsecured borrowing almost always costs a higher interest rate, and banks look harder at your income before they say yes.

Credit-card debt and most small personal loans are unsecured信用卡債和大部分的小額個人貸款都是無擔保的： there is no house, no car, nothing held against the debt沒有房子、沒有車子，沒有任何東西被拿來抵押， only your promise and your record只有你的承諾和信用紀錄。Because the bank is taking more risk因為銀行承擔的風險比較大， unsecured borrowing almost always costs a higher interest rate無擔保借款的利率幾乎都比較高， and banks look harder at your income before they say yes銀行在點頭之前也會更仔細審查你的收入。

Note that unsecured does not mean the debt disappears if you do not pay — the lender can still chase you, sue you, and wreck your credit record. It only means there is no particular thing set aside for them to seize.

Note that要注意 unsecured does not mean the debt disappears if you do not pay無擔保不代表你不還錢，債務就會消失——the lender can still chase you, sue you, and wreck your credit record放款方還是可以追討你、告你、毀掉你的信用紀錄。It only means there is no particular thing set aside for them to seize它只是代表沒有一個特定的東西被留著給他們沒收。

Outside of banking the word keeps its plain meaning of 'not fastened, not made safe': an unsecured load on a truck, an unsecured door, an unsecured wifi network with no password.

Outside of banking在銀行以外的場合， the word keeps its plain meaning of 'not fastened, not made safe'這個字保留它單純的意思，「沒固定好、沒弄安全」：an unsecured load on a truck, an unsecured door, an unsecured wifi network with no password像 an unsecured load on a truck（卡車上沒綁好的貨物）、an unsecured door（沒鎖好的門）、an unsecured wifi network with no password（沒有密碼、沒加密的wifi網路）。