抵押條款 的英文怎麼說

中文拼音 [dǐyātiáokuǎn]
抵押條款 英文
mortgage clause
  • 抵 : 動詞[書面語]1. （拍） strike2. （打擊） beat3. （拋擲） throw
  • 押 : Ⅰ動詞1 （把財物交給對方作為保證） give as security; mortgage; pawn; pledge 2 （扣留） detain; tak...
  • 條 : Ⅰ名詞1 （細長的樹枝） twig 2 （條子） slip; strip 3 （分項目的） item; article 4 （層次; 秩序; 條...
  • 款 : Ⅰ形容詞1 （誠懇） sincere 2 [書面語] （緩; 慢） leisurely; slow Ⅱ動詞1 （招待; 款待） receive wit...
  • 抵押 : mortgage; hold in pledge; hypothecate; pledge; impawn; collateralize; collateral; pawn
  • 條款 : clause; article; provision
  1. First, this section resorts various valuation model and hold that it would be better to classify the valuation into traditional method, binominal tree method and option - adjusted spread method. according to the sequence, this article introduce three valuation model respectively and point out which aspect these method improves on in different phases and their applicable conditions

    本章對有關抵押貸款證券的定價方法進行了系統的歸納與整理，認為主要存在三種定價方法，分別為傳統定價方法、二項樹定價模型和期權調整價差定價模型，並按照定價方法的發展順序分別予以介紹，同時指出了不同階段定價方法的改進之處和各自的適用條件。
  2. Commerciality individual housing borrows money ( mortgage loan namely ) compare loan of housing accumulation fund to want to the demand bearing of borrower comfortable a lot of, have the effective and resident status, natural person that has capacity of completely civil action to want to satisfy following condition to be able to apply for only : the profession that has stability, income and repay ability ; the capital fund that the bank is approbated serves as guaranty or impawn ; the unit of put on sale that buys housing with place signed the contract that buy a house or book of the intent that buy a house

    商業性個人住房貸款（即按揭貸款）對借款人的要求相比住房公積金貸款要寬松許多，具有有效居留身份、有完全民事行為能力的自然人只要滿足下列條件即可申請：有穩定的職業、收入和償還能力；有銀行認可的資產作為抵押或質押；與所購住房的發售單位簽訂了購房合同或購房意向書。
  3. Basing on the analysis of development of housing industry and housing fiance, we discussed the nessesary and practical obstacle, and raised : our country has not the conditions for cosmically developing the mbs now, the most important assigment preseantly is to creative conditions. and then combined with the situations of our country, we raised the countermeasures and suggestions

    在分析我國住宅業及住宅金融業發展狀況的基礎上，論述了我國實施住房抵押貸款證券化的必要性及現實障礙，並提出：我國目前還不具備大規模開展住房抵押貸款證券化的條件，更主要的任務是為住房抵押貸款證券化創造各種市場條件和制度條件。
  4. In insurance business practice, the building insurance clause in mortgage insurance usually applies the real estate value to amount insured, wheras raplacement approach is applied to the indemnity, which causes overinsurance ? the amount insured is greater than insurance value. the excess amount is perfectly equal to the land value or a portion of land value, which prejudices the interest of the insured

    在保險實踐中，住房抵押貸款保險的房屋保險條款通常以不動產價值作為保險金額，而在保險補償時適用重置價值標準，導致保險金額總是大於保險價值的超額保險情況，超出的金額就是土地的價值或者土地價值的一個比例，這對被保險人是不利的。
  5. This article is based on the principles of risk management and insurance. it insights into the interrelationship among risk, insurable interest and such important factors as insurance value in mortgage insurance, explains the asymmetry of risk assumed and relevant coverage, shows the brand new concept of ratio of real estate insurance value, argues the application of replacement less depreciation approach to the valuation of insurance value in mortgage insurance, and analyzes the valued policy and moral hazard in real estate insurance

    本文基於風險與保險基本原理和不動產估價原則，結合保險發達國家不動產保險實務和我國抵押貸款相關險種保單條款，深入剖析住房抵押貸款保險的風險、可保利益、保險價值等要素的內在聯系以及現行保險條款中風險與保險責任不對稱的原因，提出了不動產保險價值比率的全新概念，論證了住房抵押貸款的保險價值評估適用抵押房屋重置價值的觀點，並對不動產保險中定值保單和道德風險進行了探討。
  6. Continuing security clause

    連續抵押條款
  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. Under the present conditions. the foundation of carrying out mbs in china is still quite frail and to bring mbs to practice in a large scale is beyond the means. besides, although there is potential requirement for mbs, it is actually not obviously urgent. to enlarge the source of capital in fundamental market and to stir the need of housing are regarded as the reasons for adopting mbs. this paper is intened to comment on it and in the mean time to research into the marketing situation and the institutional situation by using the successful experiences of american and western countries for inference, so as to put forward the opinion that the main task of china ' s carrying out mbs is to create favorable marketing and institutional conditions for them and. to improve responding marketing system to foster the exterior environment for the implementation of mbs so as to enable the institutional law system, instead of the non - institutional administrative support, to ensure the success of carrying mbs into execution

    在目前條件下，中國推行住房抵押貸款證券化的基礎還十分脆弱，基本上不具備大規模開展住房抵押貸款證券化的條件，雖然有進行住房抵押貸款證券化的潛在要求，但就其緊迫性而言並不十分突出。擴大抵押貸款一級市場資金來源與提高住房市場有效需求被認為是在我國實行住房抵押貸款證券化的重要依據。本文主旨是對我國實施住房抵押貸款證券化進行研究，主要思路是結合我國國情，同時借鑒美國及西方一些發達國家的成功經驗，就實施住房抵押貸款證券化所需具備的市場條件和制度條件進行探討，提出當前我國實行住房抵押貸款證券化的主要任務是為住房抵押貸款證券化創造各種市場條件和制度條件，完善相應的市場制度以培育實施資產證券化所需要的外部條件，讓制度性的法規體系而不是非制度性的行政支持來確保我國資產證券化市場的逐步形成和健康發展。
  9. For example, a financial service domain can clear mortgage refinancing bids with multiple institutions at the supplier side to match the terms and conditions t cs specified from the orders

    比如說，某金融服務域為了滿足訂貨方提出的條款（ terms and conditions ， t & cs ） ，可以在供貨方和多個機構清算抵押貸款額度。
  10. Third, on the basis of the analyze of the existing conditions and the obstacles, this paper expounds the concrete issues of the execution of mbs in china. it discusses many important operational issues such as the setting up of spv, the selection of securities, credit enhancement of mbs and the taxes and the accounting issues of mbs, the operation of experimental pattern and so on

    再后，在對已存在條件及障礙分析的基礎上，本文論述了我國住房抵押貸款證券化的具體運作問題，包括spv的設立、抵押貸款證券的選擇、住房抵押貸款證券信用增級問題、證券化過程中的稅收會計問題、試點模式的操作等。
  11. Long - term liabilities are obligatio that do not qualify as current liabilities. mortgages payable, long - term leases, long - term notes payable, and bond payable are a few examples of long - term liabilities

    長期負債是指不符合流動負債條件的負債。應付抵押借款、長期租賃、應付長期票據，以及應付債券都是長期負債的一些例子。
  12. Long - term liabilities are obligations that do not qualify as current liabilities. mortgages payable, long - term leases, long - term notes payable, and bond payable are a few examples of long - term liabilities

    長期負債是指不符合流動負債條件的負債。應付抵押借款、長期租賃、應付長期票據，以及應付債券都是長期負債的一些例子。
  13. The definition of " consumer credit " under clause 1. 7 of the code makes no distinction whether the loan is an unsecured or secured loan

    守則第1 . 7條的個人信貸釋義並無區分貸款是有抵押或無抵押貸款。
  14. By doing this, an effective house price model may be developed and the departments concerned, the real estate companies, banks, and consumers may find it helpful as one of the analyzing approaches and tools in their regul ation and control, business management, management of credit, and investment decisions respectively

    此外，實證研究還發現引入住宅抵押貸款因素后，目前杭州中、高收入家庭已經具備住宅商品化的條件，完全可以從市場上購買與自己支付能力相適應的住宅，而低收入家庭的支付能力與相適應的住宅價格還有一定的差距，這一結果也與國際慣例相符合。
  15. Part three : analyzing the present situation of developing housing mortgage securitization in china, including the elementary mortgage market, the mortgage guarantee and insurance mechanism, intermediary agency in capital market, potential investors, and law circumstance, tax, accounting etc. part four : depending on the analysis of the second part and the third part, putting forward the steps and strategies to develop housing mortgage securitization in china and the objective mode of housing mortgage securitization in china

    第三部分：分析我國目前發展住宅抵押貸款證券化的背景條件，包括住宅抵押貸款初級市場、抵押擔保保險機制、中介機構、潛在的機構投資者、相關的法律環境、稅收、會計等一系列條件。第四部分：通過第二、三部分的分析，提出我國發展住宅抵押貸款證券化的策略和目標模式。
  16. Part three : analyzing the obstacles of developing the housing mortgage securitization in our country now, including the our country housing mortgage scale is not enough big, insurance and guarantee mechanism is not sound and personal reputation mechanism is not perfect, the marketization of interest rate system is not completed, the development of institution investor is still not mature and the development of intermediate institution is not perfect, the system of law is not sound, the related accounting system and tax revenue system is lack and blank etc. part four : passing the analysis of the second and third part put forward the whole idea and concrete strategies in our country to develop the housing mortgage securitization

    第二部分：首先對全球住房抵押貸款證券化的發展狀況進行了簡要的介紹與分析，然後選擇對我國有借鑒意義的美國、加拿大和香港等典型國家和地區的住房抵押貸款證券化實踐進行了詳細的比較分析，並從中得出：住房抵押貸款證券化是住房抵押貸款一級市場巨大發展的必然結果：政府的支持非常重要；住房抵押貸款證券化的發展需要一定的基礎條件以及需要因地制宜等一些關鍵性的啟示。第三部分：分析了我國當前實施住房抵押貸款證券化所面臨的一些具體障礙，其中包括有我國住房抵押貸款規模不夠大、保險與擔保機制不健全、個人信用體系不完善、利率體系非市場化、機構投資者的發展還不成熟、中介服務機構發展不完善、法律法規制度不健全以及相關會計制度和稅收制度的欠缺和空白等一系列的問題。
  17. Free mercedes lease ( conditions apply ). owner may carry a second mortgage on specific terms with 10 % down

    屋主提供免費租賃賓士車（ mercedes ） （有條件限制） 。買主支付10頭款，屋主可提供第二順位房屋抵押貸款。
  18. The third chapter systematically analyzes china ' s macro - economical environment, market condition, law situation and securitization technology level, concludes the plus points and restriction factors for china ' s mortgage - backed securitization

    第三章系統分析了我國的宏觀經濟環境、市場環境、法律環境和資產證券化技術環境，分別指出目前我國開展住房抵押貸款證券化的有利條件和約束因素。
  19. Study on the problem of personal housing mortgage loan in the course of conversion of housing distributive institution ( abstract ) in this paper we have an exploration on inner mechanism, approach, method and countermeasure of personal housing mortgage loan theoretically on the precondition of monetary housing distribution, on the stand of personal housing mortgage loan in the process of conversion of housing distribution system on the title of personal purchase mortgage loan mechanism on the grounds of monetary housing distribution

    本文以住房分配貨幣化為前提，以住房分配製度轉變過程中的個人購房抵押貸款問題為立足點，以住房分配貨幣化條件下的個人購房抵押貸款機制為主線，對個人住房抵押貸款的內在機理、問題、方法、對策措施等方面進行了理論探索，具體分為以下六個部分：第一，在對相關理論進行綜述的基礎上，對「住房分配貨幣化」 、 「個人住房抵押貸款」等基本概念進行界定。
  20. This paper analysises the operating principle and system of house mortgage loan securities first, especially research its ris income and fixed model of price, in price fixed model, it is divided into two types : normal payment and prepayment model. based this foundation, put forward theory and practice meaning for securities, then on the light of present national situation, expound the basic conditions and existing hinders on creating deepen house mortgage loan securities market in our state. at the end, raise the operating plan to carry out securities and design the basic frame

    本文首先對住房抵押貸款證券化的運行原理與機制進行了分析，尤其是側重於對其風險、收益以及證券的定價模式方面的研究，在債券定價模式中，分正常還款與提前還款情況進行討論，在此基礎上，提出了在我國創建住房抵押貸款證券市場的理論與實踐意義，並根據目前國內住房金融一級、二級市場現狀，闡述了我國創立和深化住房抵押貸款證券市場的基本條件與存在的障礙，最後結合國情，提出了我國推行住房抵押貸款證券化的操作方案，設計了基本框架。
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