1
use sth as collateral
名词用法，指为借款提供的担保物；固定搭配 'as collateral' 表示“作为抵押品”。
They used their house as collateral for the loan.
他们用房子作为贷款的抵押品。
担保品；抵押品
collaterals — plural of collateral
先理解核心含义，再看它在真实句子里的用法。
担保品；抵押品
something of value pledged as security for a loan
They used their house as collateral for the loan.
他们用房子作为贷款的抵押品。
常用于金融/法律语境。
A security or guarantee (usually an asset) pledged for the repayment of a loan if one cannot procure enough funds to repay.
A branch of a bodily part or system of organs.
Printed materials or content of electronic media used to enhance sales of products (short form of collateral material).
A thinner blood vessel providing an alternate route to blood flow in case the main vessel becomes occluded.
The bank will lend you the money only if you can put up some form of collateral.
银行只有在你能提供某种抵押品的情况下才会借钱给你。
She used her apartment as collateral to obtain a business loan from the local bank.
她用自己的公寓作抵押，从当地银行获得了商业贷款。
If the borrower stops making payments, the lender has the right to seize the collateral.
如果借款人停止还款，贷款人有权没收抵押品。
名词用法，指为借款提供的担保物；固定搭配 'as collateral' 表示“作为抵押品”。
They used their house as collateral for the loan.
他们用房子作为贷款的抵押品。
形容词用法，多用于军事或新闻报道，指意外造成的非目标损伤；'collateral damage' 是常用搭配。
The military operation caused significant collateral damage.
这次军事行动造成了重大的附带损害。
形容词用法，用于家族关系，指同祖而非直系（如堂表亲）；与 'direct'（直系）相对。
She is a collateral relative, not a direct descendant.
她是旁系亲属，不是直系后裔。
Not this
I need a collateral to get a loan from the bank.
Use this
I need collateral to get a loan from the bank.
表示“抵押品、担保品”时 collateral 是不可数名词，不能加不定冠词 a；直接用 collateral 作不可数名词即可。
Not this
The bank accepted his house as collateral of the loan.
Use this
The bank accepted his house as collateral for the loan.
搭配应为 as collateral for + 贷款，用 for 表示所担保的贷款；用 of 是受中文“贷款的抵押”直译的影响，不正确。
Not this
The airstrike caused collateral damages.
Use this
The airstrike caused collateral damage.
collateral damage 是固定短语，其中的 damage 为不可数名词，不能用复数 damages；复数 damages 通常指法律上的赔偿金，语义不同。
Focus on the distinctions below. Other candidates are kept compact until a reliable usage note is available.
提供抵押品
The company was unable to provide collateral for the loan.
这家公司无法为贷款提供抵押品。
用作抵押品
You can use your car as collateral for the loan.
你可以用你的汽车作为贷款的抵押品。
抵押品要求
The bank has strict collateral requirements for small businesses.
银行对小企业有严格的抵押品要求。
附带损害
The airstrike caused collateral damage in the village.
空袭在村庄里造成了附带损害。
佐证
The detective found collateral evidence that connected the suspect to the crime.
侦探找到了将嫌疑人与该案联系起来的佐证。
附带损害；误伤
The military operation was criticized for the collateral damage it caused to civilians.
这次军事行动因对平民造成附带损害而受到批评。
Use collaterals naturally, then get feedback on meaning, tone, grammar, and phrasing.
Revisit a common error or keep this word in your review list.
联想：co-共同 + lateral侧面，抵押品就像贷款侧面并排的保障，也有“并行的/旁系的”含义。
语域：mixed 常见场景：银行与贷款、合同与法律文书、日常讨论抵押借款 在表示“担保品、抵押品”时，这个词的正式程度随场合变化：多用于银行、金融和法律等正式语境，也常见于日常讨论以财产担保借款的场合。更口语的说法可用“抵押品”或“担保物”。
lateral、bilateral、unilateral、multilateral、equilateral 的重读部分均为 /ˈlætərəl/，与 collateral 的 /ˈlætərəl/ 押韵；literal 拼写相近，但读作 /ˈlɪtərəl/，重音和元音不同，不押韵。
Dictionary facts from ECDICT, WIKTIONARY.