house mortgage loan 中文意思是什麼

house mortgage loan 解釋
住宅抵押貸款
  • house : n 豪斯〈姓氏〉。n （pl houses ）1 房屋，住宅；住家；一家，一戶。2 家，家庭；家務。3 家族；王朝。4...
  • 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. Hypothecate institution is non - bank fiance institution, personal house mortgage loan hypothecation institutions incept the pbc, ministry of construct and ministry of finance, our country ' s hypothecation system can divided into two parts : the policied hypothecation system and the business. the double hypothecation mechanism is bulied for separate risk

    在對擔保機構為非銀行金融機構定性的框架下，提出個人住房貸款擔保機構接受人民銀行、建設部、財政部共同監管，擔保機構為全國性、區域性的組織結構，針對不同消費群體分為政策性擔保體系和商業性擔保體系；建立了旨在分散風險的再擔保機制。
  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. Analysis of china developing house mortgage loan security ' s urgency

    我國開展住房抵押貸款證券化的迫切性分析
  4. Analysis on the risks and prevention of house mortgage loan securitisation

    住房抵押貸款證券化的風險與防範分析
  5. Abstract : setting out from the characteristic of house financial markets actual in china, a deeply analysis in varies risk and its causes is made. a few countermeasure keeping away house financial risk, for instance developing house financial serving organization such as the broker buildup by certification lawyers and classify insurance and excessive pledge and conforming house mortgage rate reasonably and evaluating loan repay ability in science is put forward

    文摘:從我國目前住宅金融市場特點出發，深入分析了銀行貸款面臨的各種風險及其產生的主要原因，提出了發展以執業律師為主體的住宅金融服務機構? ?抵押貸款經紀人、分類保險、多重保證、合理確定房產抵押率、科學評估貸款人償貸能力等具體的金融風險防範對策
  6. The article, by approaching the law characteristics, law relations, effect of mortgage of personal living house mortgage loan and the risk of personal living house mortgage loan, combining with foreign theory and practice, aiming against the present status of our country, puts forward establishing the legislative advice to prevent the risk of personal living house mortgage loan, and has made a deep research for the relative law system

    本文通過探討個人住房抵押貸款的法律特徵、法律關系、抵押權的效力及個人住房抵押貸款的風險，結合國外的理論和實踐，針對我國的現實狀況提出建立防範個人住房抵押貸款風險的立法建議，並對有關的法律制度進行了深入研究。
  7. The first part mainly introduces the law characteristics and law relations of personal living house mortgage loan, makes research and discussion for establishing the mortgage right and the effect of mortgage right of personal living house mortgage loan, in which, the special responsibility of the loan bank of the mortgage loan is primarily approached, introduces the developing situations of the personal living house mortgage loan of loan of our country, mainly analyses the risk and the source of risk of personal living house mortgage loan, points out that the risk of personal living house mortgage loan mainly comes from the credit risk of the house buyer, the risk to realize mortgage right and the risk to treat the mortgaged house

    第一部分，主要介紹了個人住房抵押貸款的法律特徵和法律關系；對個人住房抵押貸款的抵押權的設定、抵押權的效力進行了研究和論述，其中對抵押貸款中貸款銀行的特別責任進行了初步探討；介紹了我國個人住房抵押貸款的發展狀況，重點剖析了個人住房抵押貸款的風險、風險來源，指出個人住房抵押貸款的風險主要是來自購房者的信用風險、抵押權實現的風險、抵押房產處置的風險。
  8. 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。
  9. Risk ' s making and risk management of house ' s mortgage loan

    住宅抵押貸款證券化的風險生成與風險管理
  10. Shanghai personal house mortgage loan hypothecation corporation and tianjin jinfang personal house mortgage loan hypothecation corporation have representative in many corporations. through studying the two corporations, some problems are found, the mains are city - fared and no supervised

    選取具有代表性的上海住房置業擔保公司和天津津房置業擔保股份有限公司來對我國個人住房貸款擔保機構運行現狀進行研究，得出以城市為單位分快經營和缺乏監管是目前擔保體系的主要問題所在。
  11. Avoid high - risk investments, high - interest loan or heavy gambling behaviors. do not re - mortgage the house for loan or turn it into a gift to anyone

    要避免高風險的投資組合高息貸款或經常賭博，更別將養老的住所或積蓄作財務擔保或饋贈親友等。
  12. It pointed out that, in order to resolve the concentrated problems of personal living house mortgage loan risk, should refer to foreign legislation to establish the law system about personal credit management, modify present practical law and work out program law to perfect the law system to carry out the mortgage right of personal living house mortgage loan, so that the preparation is made from the respect of law for favorably developing the personal living house financial system and protecting the benefit of loan bank of our country

    指出：為解決個人住房抵押貸款風險集中的問題，應參考國外的立法構建關于個人信用管理的法律體系；修改現行實體法並制訂程序法以完善個人住房抵押貸款之抵押權實行的法律制度，從而為我國個人住房金融體制的良性發展和貸款銀行利益的保護從法律層面作好準備。
  13. In the four part, america and japan ' s personal house mortgage loan hypothecation are. comparatived

    日本的個人住房貸款擔保體系在借鑒美國的基礎上，又有了自己的創新。
  14. In the first three parts, a summary process of personal house mortgage loan hypothecation in china is recounted

    論文前三章主要研究我國個人住房貸款擔保制度發展的過程及其特點。
  15. There are many advantages for our country ' s system. basis on the four part, the five part constructs newly personal house mortgage loan hypothecation system

    這兩個國家的擔保體系對我國個人住房貸款擔保體系的構建具有現實的借鑒意義。
  16. The first part describes personal living house mortgage loan and risk analysis

    第一部分闡述了個人住房抵押貸款及風險分析。
  17. The second part and the third part mainly research the two kinds law countermeasures to prevent the risk of personal living house mortgage loan

    第二部分和第三部分重點研究了兩種防範個人住房抵押貸款風險的法律對策。
  18. The third part mainly approaches the problems existed in the law system in realizing the mortgage right of personal living house mortgage loan of our country, and aiming against the problems, put forward legislative advice

    第三部分，重點探討了我國個人住房抵押貸款之抵押權實現的法律制度存在的問題，並針對這些問題提出了立法建議。
  19. As a new means of financing and system, house mortgage loan securities was result of financial innovation in last century 70s, it had got great success

    作為一種新型融資手段或體制，住房抵押貸款證券化是20世紀70年代金融創新的結果，經過幾十年的發展，已在美國等不少國家獲得巨大成功。
  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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