1.
one's own funds; personal capital; own-source funding
Money that belongs to the person or company using it, as opposed to money borrowed from a bank or other source. Especially common in discussions of home purchases, starting a business, or investment.
自己資金が足りない。
I don't have enough of my own funds.
自己資金で家を買うのは難しい。
Buying a house with one's own funds alone is difficult.
事業を始めるにあたって、ある程度の自己資金が必要だ。
To start a business, you need a certain amount of personal capital.
住宅ローンを組むには、物件価格の二割程度の自己資金を用意しておくのが望ましい。
When taking out a home loan, it's advisable to have prepared personal funds equal to about 20% of the property price.
A financial term that distinguishes one's own money from borrowed money. Composed of 自己 (self) + 資金 (funds/capital). Commonly used in banking, real estate, and business contexts.
COMMON COLLOCATIONS:
- 自己資金が足りる / 足りない: to have (not) enough of one's own funds
- 自己資金を用意する: to prepare one's own funds
- 自己資金で購入する: to purchase with one's own funds
- 自己資金比率: equity ratio (ratio of own funds to total capital)
- 自己資金ゼロ: zero down payment (no own funds)
SIMILAR WORDS / ANTONYMS:
- 借入金: borrowed money; loan — the opposite; money borrowed from a bank or other lender
- 頭金: down payment — the portion of one's own funds used at the start of a large purchase
- 運転資金: working capital — funds used for day-to-day business operations
- 資本金: capital (of a company) — the registered capital of a corporation
USAGE:
When applying for a home loan or business loan in Japan, banks typically ask how much 自己資金 the applicant can contribute. A higher 自己資金 ratio usually means better loan terms.