loan repay ability 中文意思是什麼

loan repay ability 解釋
貸款償還能力
  • 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...
  • repay : vt. ,vi. （-paid ）1. 付還，償還。2. 報答，回敬；報復。n. -ment 1. 償還。 2. 報答；報復，復仇。 3. 賠款。
  • ability : n 能，能力，本領，技能；〈pl 〉 才，才能，才幹。 financial abilities 財力。 a man of ability 有本...
  1. 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。
  2. The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan. a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates. in addition, credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank, as the operator of the financial products as its main business, will promptly recover the mortgaged items

    儲蓄期限一般較短，而按揭貸款的還款期限較長，銀行長期資產與短期負債不匹配，就不能化解未來不確定性帶來的風險；二是資產的流動性和期限呈反方向變動，期限越長，流動性越低，住房抵押貸款本身的特性決定了其流動性較差，因此目前各銀行都嚴格限制貸款期限；三是風險大，由於按揭貸款是期限很長的債權資產，銀行面臨的利率風險就很大；另外，當客戶因某種原因失去償還能力或者認為違約產生的利益超過違約所產生的損失時，就會發生信用風險，而銀行以金融產品為主要業務，即使收回抵押物，但如何處置不良資產仍是諸多銀行頭痛的問題。
  3. 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
  4. The bank protects itself by obtaining security to cover against losses, conducting credit checks and making sure that the client has the ability to repay the loan

    銀行通過為其損失保險、管理信貸支票以及確保客戶有能力償還貸款來保護自身。
  5. According to the regulation, the worker has one of following state, can recover the memory remaining sum inside account of worker housing accumulation fund : ( 1 ) buy, build, break up build, overhaul lives oneself of housing ; ( 2 ) retire, emeritus ; ( 3 ) lose labor ability completely, stop labor to concern with the unit ; ( 4 ) the city that change of registered permanent residence gives a seat, county perhaps leaves the country resident ; ( 5 ) repay of loan principal and interest ; ( 6 ) the regulation that chummage exceeds domestic wage income is proportional

    按照規定，職工有下列情形之一的，可以提取職工住房公積金賬戶內的存儲余額： （ 1 ）購買、建造、翻建、大修自住住房的； （ 2 ）離休、退休的； （ 3 ）完全喪失勞動能力，並與單位終止勞動關系的； （ 4 ）戶口遷出所在的市、縣或者出境定居的； （ 5 ）償還貸款本息的； （ 6 ）房租超出家庭工資收入的規定比例的。
  6. The credit committee shall inquire into the character and financial position of each applicant for a loan and his sureties, if any, to ascertain his ability to repay fully and promptly the obligations incurred by them, and to determine whether the loan sought is for a provident or productive purpose, and will be of probable benefit to the borrower

    貸款委員會必須調查各申請人之品格及經濟情況，如有擔保人，則亦應一併調查以確保申請人能依期償還全部債項。貸款委員會須確定該筆貸款系作為應付不時之需或供作生?用途，並可使借款人獲益。
  7. Ability to repay the loan

    償貸能力
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