refinance
verb [ I or T ] US uk/ˌriːˈfaɪ.næns/ us/ˌriːˈfaɪ.næns/ (UK remortgage)
改变抵押（或其他贷款）的条款（通常为增加贷款额以便借更多钱）
to change the terms of a mortgage (= agreement by which you borrow money to buy property) or loan, usually by increasing the amount of it in order to be able to borrow more money
He got the money to buy more property by refinancing his original house. 他通过改变原来住房的抵押贷款条款获得资金购买更多房产。
If you don't sell or refinance within 10 years, the principal comes due. 如果你在十年内不出售或再融资的话，本金将会归还。