按揭購房 的英文怎麼說
中文拼音 [ànjiēgòufáng]
按揭購房
英文
take out a mortgage to buy a house; buy a house on time-
This article consists of five parts as following : mortgage of uncompleted building was originated from the common law and the law of hong kong, so the paper probes into its meaning - the transformation of the specific property right ; when the debtor fails to perform his duty, the creditor can obtain the title determinately ; the debtor enjoys the right of redeeming the collateral security through fulfilling his debt, the creditor has the obligation of returning the property at the same time. secondly, the author summaries its essential feature on the practice of the real estate mortgage hi the mainland of china - the target of the mortgage is a kind of expective interest ; the mortgage is a kind of guarantee which is settled through making over the interests in expectancy ; the risk of the mortgaged uncompleted building should be borne by the realty company instead of the mortgagor ; the phase of the mortgage ; mortgage is realized in a particular way. thirdly, on the basis of analyzing the legal nexus that is involved, the paper points out that the legal ne xus of the mortgage is just between the mortgagor and the mortgagee
樓花按揭作為一種擔保方式起源於英美法上的mortgage ，所以本文第一部分首先探討了mortgage在英美法上的含義：特定財產權利的轉移；在債務人不履行債務時，債權人可以確定地取得所有權；債務人享有通過履行債務而贖回擔保物的權利，同時債權人負有交還財產的義務。其次，就我國的樓花按揭實踐總結了其基本特徵：樓花按揭涉及兩個合同三方當事人；樓花按揭的標的是一種期待性利益；樓花按揭是通過轉讓物業權益而設定的一種擔保方式；預售樓花滅失的風險應有開發商承擔；樓花按揭的階段性；樓花按揭實現方式的特殊性。最後，分析了樓花按揭所牽涉的各個法律關系，認為真正的樓花按揭法律關系只是購房人與銀行之間的按揭貸款關系，按揭當事人只有購房人（按揭人）與銀行。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。The mortgage of advance booking of commercial housing enables the mortgagee to purchase the house by paying only a few of first installments
商品房預售按揭，使得承購人以較少的首期款就可以購得房屋。If was done, turn mortgage, ok still is reoccupy accumulation fund buying a house
假如做了轉按揭，還可以再用公積金在購買房子嗎？At the end of 1980s and the beginning of 1990s, a new kind of assurance has appeared in the practice of the real estate, namely lou hua mortgage, which is becoming the main way that the town dwellers buy houses. but at the same time, the new assurance put forward a new subject to the guarantee law of our country
20世紀80年末90年代初，我國房地產實務中出現了一種新的擔保方式：樓花按揭，它正成為城鎮居民購買房屋的主要途徑，同時這種新的擔保方式的出現給我國的擔保法律制度提出了新的課題。Secondly, why mortgage becomes a kind of prevailing way of purchasing the house lies in its rationed financing mechanism, making each side that participates in the mortgage benefit a great deal - solving the problem of the mortgagor who is short of funds ; reclaiming funds earlier and scattering the risk of investment ; gaining profits as well as opening up the market of investment
其次，介紹了樓花按揭之所以成為一種流行的購樓方式，在於其融資機制合理，使參與的各方都受益匪淺。解決了購房者資金的不足；開發商可以及早回籠資金，分散投資風險；銀行獲得豐厚利潤，並且開拓了投資市場。Evidence of your sponsor s financial standing, such as bank statements or a building society letter
擔保人的經濟狀況證明，例如銀行對帳單，購買住房按揭的證明In case of a mortgage purchase, although both the purchaser and the lending bank are foreign natural persons or foreign legal persons and the loan agreement and mortgage contract signed outside, since the purchased real estates are within the territory of china, it will be unavoidable to apply the laws and regulations of china for both the mortgagor and the mortgagee when they do the registration procedures of the purchased real estate
對于選擇按揭抵押方式在中國購買房地產的外國人來說，雖然購房人及貸款銀行都是外國自然人或法人，房地產貸款合同抵押合同往往也是在境外簽署的，但是由於所購房地產座落於中國，所以在辦理房地產抵押登記時就不可避免地要適用中華人民共和國的法律法規。Personal housing re - mortgage loan means a business that the borrower having handled a personal housing loan at icbc needs to transfer house property right and mortgage loan to any other person and engages icbc to continue to handle the procedures of loan transfer during the period of repayment for sale ， donation ， inheritance of the purchased housing and other reasons
個人住房轉按揭貸款是指已在工行辦理個人住房貸款的借款人在還款期間，由於所購房屋出售、贈與、繼承等原因，房屋產權和按揭借款需同時轉讓給他人，並由工行為其續做貸款轉移手續的業務。As a new security means for loan, it has broken the limit of the traditional real guarantee thoery, and initiated a new real guarantee means by which real estate company can raise a loan from banks easier, banks reduce his financial risk and house consumer be available to buy house ahead schedule
二十世紀九十年代以來，樓花按揭在內地廣泛流行，作為一種新型的融資擔保方式，它突破了傳統物權擔保僅以現有財產為標的的限制，開創了以預購商品房的房產期待權為擔保標的新模式。Mortgage subsidy scheme the mortgage subsidy scheme was implemented in september 1998 to promote home ownership among tenants affected by the hkha s comprehensive redevelopment programme and households affected by cottage area clearance exercises. under the scheme, eligible applicants buying hos or psps flats are given a mortgage subsidy of up to $ 162, 000 over a period of six years
為鼓勵受整體重建計劃影響的租戶和平房區清拆戶自置居所，房委會於一九九八年九月推行重建置業計劃，讓合資格的申請人在購買居屋或私人參建居屋單位時，可在六年內獲發按揭還款補助金，總額最高達162 ， 000元。C to provide more flexibility to approved sellers, the corporation will include hibor - based mortgages and, subject to the consent of the housing society, mortgages covered by the home starter loan scheme as eligible mortgages under the mortgage purchase programme
C為對核準賣方提供更大的彈性，按揭證券公司會把按同業拆息計算利息的按揭和首次置業人士貸款計劃下的銀行按揭貸款在得到房屋協會同意后列為購買按揭計劃下的合資格貸款。Personal housing additional mortgage loan mea a loan lent by icbc to any existing personal housing loan client for its house purchase and household co umption taking the former loan collateral as a security
個人住房加按揭貸款是指對工行現有個人住房貸款客戶發放的以原貸款抵押物為擔保的用於購買住房及家居消費的貸款。Personal housing additional mortgage loan means a loan lent by icbc to any existing personal housing loan client for its house purchase and household consumption taking the former loan collateral as a security
個人住房加按揭貸款是指對工行現有個人住房貸款客戶發放的以原貸款抵押物為擔保的用於購買住房及家居消費的貸款。Thirdly, the passage makes a study of louhua mortgage. there are two contracts in louhua mortgage contracts. one is the purchasing and selling contract of house singed by the house purchaser and land agent, the other is a contract of louhua mortgage signed by the house purchase the land agent and the bank
再次，本文對樓花按揭作了專門的探討，樓花按揭合同的內容包括兩部分：購房者與房地產商簽訂房屋買賣合同；購房者、房地產商與銀行三方共同簽訂樓花按揭合同。Mortgage - backed are commonly seen as a low risk and high earnings type of loan among the credit assets of commercial banks as a certain amount of interest and principle can be recovered each month that makes cash flow stable and that there is comparatively low risks in issuing these types of loans to individuals that use the houses they are paying off in installments as a loan guarantees
在商業銀行的信貸資產中，住房抵押貸款通常被視為一種風險小、收益高的貸款品種，一則每月可穩定收回一定金額的本息，現金流穩定；二則以個人按揭購買的住房為抵押，風險較低。My girlfriend went for some retail therapy the other day because her best mate called her fat and now we have a ? 3000 credit card bill and can ' t pay our mortgage
前幾天，我女友最好的朋友說她胖，她一氣之下就跑去「購物療法」 。現在好，我的信用卡上多出了3000塊，我們房屋按揭也沒錢付了。The living community is one of the benefits offered by the company to its staff, which allows the staff to pay for their houses by mortgage with bank loan guaranteed by the intangible assets of the company according to the personal needs of the staff
生活小區是企業給員工的福利之一，利用公司的無形資產按揭買房，公司統一徵求員工意見，據員工需求貸款購買。In his weekly radio address, the president focused on economic proposals meant to ease u. s. mortgage defalls ( defaults ) which has destructed ( disrupted ) world wide financial markets, his plan will make it easier for baworlds holding adjust rate mortgages to refinance those loans through government housing authority
在他的每周廣播演說中，布希強調為了緩解u . s .按揭購房的緊張狀況並應對由此帶來的世界范圍內經濟市場的疲軟，他將出臺相應措施以阻止房貸利率的調整並通過政府官方住房部門為這些貸款重新提供資金。In his weekly radio address, the president focused on economic proposals meant to ease u. s. mortgage defaults which has disrupted world wide financial markets, his plan will make it easier for baworlds holding adjust rate mortgages to refinance those loans through government housing authority
在他的每周廣播演說中，布希強調為了緩解u . s .按揭購房的緊張狀況並應對由此帶來的世界范圍內經濟市場的疲軟，他將出臺相應措施以阻止房貸利率的調整並通過政府官方住房部門為這些貸款重新提供資金。分享友人