residential mortgage loan 中文意思是什麼

residential mortgage loan 解釋
住房抵押貸款
  • residential : adj. 住宅的；適宜作住宅的；關于居住的。 a residential district [quarter, section] 住宅區。adv. -ly
  • mortgage : n 【法律】抵押；抵押權；抵押契據；受押人對抵押品的權利。 on mortgage （拿房屋等）作抵押。vt 抵押...
  • 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...
  1. However, with the impact of housing loan guarantee, and gradual opening of chinese financial market, renovating residential mortgage loan insurance is imperative under the situation. deep study is done on residential mortgage loan insurance by this thesis, and there are four sections : the first section expatiates background and significance of the study on residential mortgage loan insurance, makes a clean definition of this insurance, points out that precondition of residential mortgage loan insurance is existence of risks, and sets force functions of residential mortgage loan insurance

    在此背景下，本論文對個人住房抵押貸款保險進行了深入研究，全文分為四個部分：第一部分闡釋了個人住房抵押貸款保險研究的背景及其意義，指出風險的存在是個人住房抵押貸款保險存在的前提，對個人住房抵押貸款保險進行了定義，闡述了個人住房抵押貸款保險的基本職能及派生職能，並指出了住房置業擔保與個人住房抵押貸款保險之間的區別與聯系。
  2. If loan growth remains sluggish, it may put further pressure on banks to compete for limited business, particularly for residential mortgage loans, by reducing lending margins

    若貸款增長仍然呆滯，為了競逐有限的業務，特別是住宅按揭貸款，銀行可能會面對更大壓力，需要進一步收窄貸款息差。
  3. You can enjoy privileged rates on residential mortgage loan, various insurance packages, personal loan, new car financing, unsecured overdraft facilities and unit trust subscriptions. you can enjoy all benefits and services offered to ahkns cardholders by the bank of east asia

    東亞銀行為你設計一系列個人理財服務，包括樓宇按揭貸款、各類型保險、私人貸款、汽車分期、無抵押透支服務及認購單位信託基金，讓你專享優惠利率
  4. Personal financial packages you can enjoy privileged rates on residential mortgage loan, personal loan, new car financing, various insurance packages, unsecured overdraft facilities and unit trust subscriptions. you can enjoy all benefits and services offered to iee cardholders by the bank of east asia

    東亞銀行為您設計一系列個人理財服務，包括樓宇按揭貸款、私人貸款、汽車分期、各類型保險、無抵押透支服務及認購單位信託基金，讓您專享優惠利率
  5. Personal financial packages you can enjoy privileged rates on residential mortgage loan, personal loan, new car financing, unsecured overdraft facilities, unit trust subscriptions and various insurance packages. you can enjoy all benefits and services offered to law society corporate gold mastercard cardholders by the bank of east asia

    東亞銀行為你設計一系列個人理財服務，包括樓宇按揭貸款、私人貸款、汽車分期、無抵押透支服務、認購單位信託基金及各類型保險，讓你專享優惠利率
  6. Personal financial packages you can enjoy privileged rates on residential mortgage loan, personal loan, new car financing, unsecured overdraft facilities, unit trust subscriptions and various insurance packages. you can enjoy all benefits and services offered to law society visa gold cardholders by the bank of east asia

    東亞銀行為你設計一系列個人理財服務，包括樓宇按揭貸款、私人貸款、汽車分期、無抵押透支服務、認購單位信託基金及各類型保險，讓你專享優惠利率
  7. The second section analyses effect of residential mortgage loan insurance from four different positions, such as positions of loan provider, housing buyer, etc. the third section sets force actuality of chinese residential mortgage loan insurance, finds out that there are only three categories now, and compares several provisions between products from different insurance companies in same categories

    第三部分闡述了個人住房抵押貸款保險的發展現狀，指出我國目前僅有抵押房地產財產損失保險、個人住房抵押貸款保證保險以及個人住房抵押貸款借款人人身保險這三個險種，並就保險責任條款、保險金額條款、保費計算及繳付方式條款等方面對這三類險種中的幾個不同保險產品進行了比較分析。
  8. As for the residential finance policy, government should function as the subject to set up the residential security system and should reinforce the reform of the residential finance, in addition to mortgage accumulation fund loans, the government should found low - rate or rate - free loans for those families with low or medium income, set up risk security mechanism for the policy - related residential mortgage loans to provide them with loan guaranty

    在住房金融政策方面，政府理應成為構建住房保障體系的主體。政府應進一步深化政策性住房金融改革，除住房公積金貸款以外，應建立直接面向中低收入家庭發放的低息或無息貸款，建立政策性住房抵押貸款風險擔保機制，為低收入家庭貸款提供擔保，增強其購房能力，促進住房保障制度的順利構建。
  9. Though residential accumulation fund load and commercial load develop rapidly, there are many problems including smaller loan - to - value ratio, shorter loan terms, more initial payments and simple mortgage lending patterns needed to be solved in mortgage innovation. residential mortgage does n ' t meet the needs of all groups of home buyers, so it has been a urgent matter to innovate it

    雖然個人住房公積金貸款與個人住房商業性貸款的規模擴張極其迅速，但我國住房抵押貸款抵借比率過小、貸款期限過短、首付款過大、還款方式單一，已不能適應不同層次購房者的貸款要求，對其進行創新設計已成為當務之急。
  10. And now, in our country, residential mortgage loan insurance is only in the beginning of its development, far from mature. we can see that there are few insurance products and insurance liabilities, etc.

    但是，目前我國個人住房抵押貸款保險尚處于起步階段，落後于個人住房抵押貸款業務的發展，具體表現為險種和承保責任少、保費費率高、繳費方式不合理等。
  11. Residential mortgage default risk and the loan - to - value ratio

    住宅按揭貸款拖欠還款風險及按揭成數
  12. By the end of 2002, bank ' s loan balance of residential mortgage already exceeded 820 billion yuan in china. and it still increases fast at the speed of 40 - 50 % per year

    到2002年底，我國商業銀行發放的個人住房抵押貸款余額已超過8200億元，而且仍在以年增長率40 50的速度快速增長。
  13. However, with the quickly growth of the residential mortgage market, the lower and lower loan limits, and the change of the borrower from the high - income residents to the medium - and low - income, the bank has been increasingly subjected to the exposure of mortgage default risk

    但隨著住房抵押貸款業務規模高速增長、貸款門檻逐步降低、貸款對象從金字塔塔尖轉向塔腰以及住房業主還款高峰期的臨近，銀行所面臨的住房抵押貸款的違約風險就日益突出。
  14. As the housing system reform progresses during last ten years, residential mortgage loans has become the major financing measure by which chinese residents buy their houses. the amount of mortgage loans increases at a speed of 40 - 50 % or higher nowadays, but the unperformed loan rate increases significantly as well

    當前許多商業銀行的個人住房抵押貸款業務以年增長率40 % - 50 %或更高的速度發展，隨著個人住房抵押貸款余額的快速增加，個人住房抵押貸款的不良率也開始不斷攀升。
  15. However, there are still some inevitable risks. because of its risk transfer and loss compensation functions, residential mortgage loan insurance can prevent the risks of residential mortgage loan to a certain extent, so its importance has been revealed gradually

    個人住房抵押貸款保險因其風險轉移和損失賠償機制在一定程度上可以防範和化解個人住房抵押貸款風險，其重要性隨著個人住房抵押貸款業務的發展逐漸為國內各大金融機構（包括保險公司）所認識。
  16. Repayment of outstanding loans arising from the sales of mortgaged properties in a more active secondary property market and increased refinancing activities have also meant that residential mortgage loan books have been running down quickly : banks are therefore trying to find new business, and come up with new attractions, to fill the gap

    此外，二手樓市轉趨活躍，按揭貸款在物業轉售後清還，加上一些再融資即轉按或加按活動增加，亦導致銀行的未償還按揭貸款數目下降。
  17. With ample liquidity, keen competition reducing the margins on residential mortgage lending, and little corporate loan demand, banks turned to other types of consumer lending, especially credit card business, to broaden their income sources

    由於流動資金充裕、競爭激烈令住宅按揭貸款息差收窄，以及私營機構貸款需求疲弱，所以銀行轉為推動其他類型的消費貸款，特別是信用卡業務，以擴闊收入來源。
  18. The scope of new credit data to be shared is therefore limited to the individual s current exposure, such as number of facilities, credit limits, outstanding amounts and monthly repayment record, other than residential mortgage loan

    故此，擬共用的新信貸資料只限於個人目前的信貸風險，例如信貸安排的宗數、信貸額、未償還的款額及每月還款記錄，但不包括住宅按揭貸款。
  19. The results of these examinations indicated that ais generally had effective risk management procedures for their residential mortgage loan business

    審查結果顯示認可機構普遍就住宅按揭貸款業務備有有效的風險管理程序。
  20. Information note : residential mortgage loan in negative equity

    資料文件:負資產住宅按揭貸款
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