At first, this thesis analyzes sorts of residential mortgage risks, brings forward some methods of risk control, points out that insurance is the most effective way to transfer the risks of residential mortgage, and introduces some insurances on residential mortgage in domestic financial market and abroad, expounds particularly the successful experience of usa where the business insurance agents, fha and va provide full ensurance for the loans of bank to disperse default risk, thus promotes the prosperity of real estate finance
本論文首先從分析住房
抵押貸款的風險種類入手,提出了多種風險處理措施,指出住房
抵押貸款風險最有效的轉移措施是保險,並介紹了國內外現行住房
抵押貸款有關保險,詳細闡述了美國的成功經驗:通過商業保險公司、 fha 、 va等機構對銀行放款提供全方位保障,化解來自借款人不能償
付貸款的風險,促使整個房地產金融活躍起來。
Henry ' s company asked him to retire early but he was able to pay off his mortgage with the golden handshake they gave him
亨利的公司要他提前退休,不過他能夠用他們
付給他的退職金歸還
抵押款。
No matter any circumstances, the entirely of one - time imprest gold of place pay is not returned, can be in only ginseng when protecting a person to reach emeritus age, 2 years capture of medical treatment insurance expends instead fixed number of year
不論任何情況,所繳納的一次性預
付金一概不退還,只能在參保人達到退休年齡時,
抵作2年醫療保險繳費年限。
The accrued benefits derived from the mandatory contributions in a mpf scheme cannot be used to settle any judgement debts, or be used by the scheme members or on their behalf for any charge, pledge, lien, mortgage, transfer, or assignment of alienation
由強制性供款產生而在強積金計劃內的累算權益,不能在
抵付債項裁決時提取,亦不得以計劃成員或其名義作為押記、質押、留置權、按揭、轉移、轉讓或讓與。
The proportion that pays interest is limitary, tax law compasses exceeds national legal not to allow of highest loan interest partly surely plan undertake those who buckle be touched before duty into interest expense
支
付利息的比例是有限制的,稅法規定超過國家法定的最高貸款利息的部分不答應計入利息費用進行稅前
抵扣的
We are having difficulty keeping up our mortgage payments.
我們難以繼續支
付分期償還的
抵押貸款。
Based on these, considering prepayment " influence on mbs " price, the following three pricing methods are researched on deeply. referring to the experiences of foreign countries, the pricing method based on prepayment pattern is given ; considering the influence of interest rate on prepayment, different interest rate simulation pricing methods are set up, which is on the basis of different interest rate term structure model ; in view of interest rate and different incentive threshold of mortgager, a interest rate incentive function simulation model is established to price mbs
在此基礎上,考慮到預
付對證券價格的影響,對以下三種定價方式進行了深入研究:借鑒國外經驗,提出了基於提前還款模式的定價方法;考慮利率對預
付行為的影響,建立了基於利率期限結構的不同種模擬利率定價模型;考慮到利率以及
抵押借款人的不同利率刺激門檻對預
付的影響,建立利率刺激函數模擬模型進行定價。
In barter, goods are exchanged for goods, and in private compensation, assets against assets.
在易貨貿易中,商品與商品進行交換;在私人賠償中,以資產
抵付資產。
During the period 1976 to 1984, the margins between the border prices of oil and meal and raw soybeans were insufficient to cover processing costs.
在1976至1984年期間,豆油,豆製品與未經加工的大豆之間的邊境價格差額,不足以
抵付加工成本。
Party a can withhold part or all deposit to offset the damage
甲方可以扣留部分或全部保證金
抵付乙方造成損失的費用開支。
Donation in kind
實物
抵付形式的捐贈
If party b breaks any part of this contract, such as not paying the rent punctually, or if party b caused damages to the leased property, party a has the right to retain part or all of the deposit in compensation
3乙方如違反合同規定,致使甲方未能如期收取租金或因而發生費用開支,甲方可以扣留部分或全部押金
抵付。
“ encumbrances ” include any option, right to acquire, right of preemption, mortgage, charge, pledge, lien, hypothecation, title creation, right of set - off, counterclaim, trust arrangemnet or other security or any equity or restriction ( including any relevant restriction imposed under the relevant law
「權力負擔」包括期權、收購權、優先權、
抵押、押記、質押、留置、押匯、所有權的產生、
抵付權、反訴、信託安排或其他擔保、或股權、限制(包括有關法律規定的任何有關限制。 )
The bank shakk have the right and is authorized to the fullest extent permitted by law, without notice to the client to set off and appropriate and apply any credit balance in the client ' s settlement account against any amounts properly due from the client to the bank in connection with the investment trust services set out in the terms and conditions
銀行有權,並在法律容許范圍內,毋須通知客戶而從客戶?算帳戶內的任何結餘,撥款抵銷及抵付客戶就約定書所訂的信?投資服務所需支付銀行的任何款項。