home loan bank 中文意思是什麼

home loan bank 解釋
家宅貸款銀行來源
  • home : n 1 家，家庭；家庭生活；〈美國〉住宅。2 本國，故鄉；（活動的）中心地，根據地，大本營；（動植物的...
  • loan : n 1 出借，借出，貸。2 借出物；資金；公債，貸款。3 外來語（＝ loanword）；外來風俗習慣。vt vi 〈美...
  • bank : n 1 堤，堤防；岸，河畔。2 埂，壟，堆。3 （海中水下的）沙洲，灘。4 斜坡，邊坡，坡度；轉彎。 【航空...
  1. Home loan interest paid on bank overdraft account is tax deductible if the money borrowed is directly used for acquisition of his dwelling

    如所借取的款項是直接用於購買其住宅，就銀行透支帳戶繳付的居所貸款利息可在計算稅項時獲得扣除。
  2. If the bank overdraft account is used partly for purposes other than for acquisition of the dwelling, the amount of deductible home loan interest would be reduced accordingly

    若該透支帳戶有部分用作其他用途，在計算其扣除額時，其所繳付的居所貸款利息須按比例予以減少。
  3. Iii home loan interest paid on bank overdraft account is tax deductible if the money borrowed is directly used for acquisition of his dwelling and the overdraft facility is secured by a mortgage charge over the dwelling or any other property in hong kong

    Iii如所借取的款項是直接用於購買其住宅，並以該住宅或任何其他香港財產作按揭或押記，就銀行透支帳戶繳付的居所貸款利息可在計算稅項時獲得扣除。
  4. A civil servant who joins the government s home finance scheme, home purchase scheme or housing loan scheme obtains a downpayment loan from the government in addition to the mortgage loan from the bank

    某公務員參加政府的居所資助計劃自置居所資助計劃或購屋貸款計劃，除了向銀行借取按揭貸款外，並向政府取得首期貸款。
  5. The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan. a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates. in addition, credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank, as the operator of the financial products as its main business, will promptly recover the mortgaged items

    儲蓄期限一般較短，而按揭貸款的還款期限較長，銀行長期資產與短期負債不匹配，就不能化解未來不確定性帶來的風險；二是資產的流動性和期限呈反方向變動，期限越長，流動性越低，住房抵押貸款本身的特性決定了其流動性較差，因此目前各銀行都嚴格限制貸款期限；三是風險大，由於按揭貸款是期限很長的債權資產，銀行面臨的利率風險就很大；另外，當客戶因某種原因失去償還能力或者認為違約產生的利益超過違約所產生的損失時，就會發生信用風險，而銀行以金融產品為主要業務，即使收回抵押物，但如何處置不良資產仍是諸多銀行頭痛的問題。
  6. Home loan bank

    家宅貸款銀行
  7. In 1998, the people ' s bank of china issued the administrative law of individual housing loans and allowed commercial banks to open individual housing secured loans, extend the loan term, which marked a new phase in the development of home financing in china. after this, the scale of granting home mortgages rapidly widened and the development was swift as by there year 2000, the balance of home loans at the china construction bank and the industrial and commercial bank of china broke through rmb 100 billion yuan, of which, individual home mortgages became the most important growth point for credit in the real estate industry

    1998年，中國人民銀行出臺了《個人住宅貸款管理法》 ，允許商業銀行開辦個人住宅擔保貸款，延長貸款期限，這標志我國住房金融發展到一個新的階段，其後住房抵押貸款發放規模的迅速擴大，發展勢頭迅猛， 2000年，中國建設銀行和中國工商銀行住房貸款余額均突破1000億元，其中個人住房抵押貸款成為房地產信貸中最重要的增長點。
  8. The securitization of bank assets is one of the most important innovations in the modern financial market and the securitization of home loans is an important component of that innovation. it indicates that financial organizations ( mainly commercial banks ) take the poor liquidity but good prospects in future cash earning of the home mortgage collections and turn them into secured loan groups and then take these assets sales and give them to a specific strong and credible organization, namely a spv ( special purpose " vehicle, to be used by a special purpose organization )

    銀行資產證券化是現代金融市場最重要的創新之一， 「住房貸款證券化」是它的重要組成部分，指的是金融機構（主要是商業銀行）把持有的流動性較差但具有未來現金收入流的住房抵押貸款匯集成抵押貸款群組，然後將此資產出售給特設的有實力、有信譽的機構，即spv （ specialpurposevehicle ，用於特殊目的機構） 。
  9. Risk management of the assets : ( 1 ) rate of capital sufficient can not be lower than 12 % for the foreign bank whose home country is in specially high credit risk, ( 2 ) liquidity management, consider rate management and other factors synthetically while exerting it ( 3 ) loan concentration degree management, stipulate the rational loan concentration degree rate, drop to 10 - 15 % ; set up extensive and concrete integrative measures

    資產風險管理：資本充足率管理，應將母國為信用風險特別高的外資銀行的資本充足率提高到不得低於12 。流動性管理，將比率管理與其他對其產生影響的因素綜合考慮，加以管理。貸款集中度管理，規定合理的貸款集中度比率，降至10刁「建立廣泛具體的監控指標。
  10. Mortgage - backed securitization can drive home mortgage market through 4 enhancing the asset fluidity of bank. real estate industry expands quickly in our country, which bring great capital requirement. so, it is very important to develop home mortgage loan secondary market

    住房抵押貸款證券化（ mbs ）是資產證券化的主要產品，它通過增強銀行資產的流動性，解決銀行資金來源與運用在期限和利率上的不匹配的風險，從而大大促進了住房抵押貸款一級市場以及住房產業的發展。
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