为您找到与个人消费贷款包括相关的共15个结果:
下面是读文网小编整理的关于房屋贷款的英语情景会话,以供大家学习参考。
Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.
艾尔和弗吉尼亚·巴克斯特正和他们的银行家托尼·费洛拉洽谈有关房屋贷款之事。
Al:We'd like to get some information about mortgage loans,Mr.Flora.
艾尔:我们希望得到一些有关抵押贷款方面的知识,弗洛拉先生。
We found a house that we'd like to buy.
我们找到了一所我们想买的房子。
Flora:Well,Mr.Baxter,we generally lend 80% of the bank's appraised value on 30-,35-or 40-year mortgages if the house is less than 10 years old .
弗洛拉:好的,巴克斯特先生。如果房屋从建成至今尚未超过10年,我们一般借给买房者的数额是银行对房屋估价的80%,而贷款期为30、35或40年。
Baxter:Oh ,it's almost a brand-new house .I think it was built two years ago .
巴克斯特:哦, 这几乎是一所全新的房子,我认为是两年前修建的。
A:Yes,it's a real good deal .The price is just right .
艾尔:是的,这真是的桩合适的买卖,价钱也很合理。
F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,
弗洛拉,银行的估价总是低于实际市场价格的,巴克斯特先生。
so you'll have to figure on at least at a 25%-28% down payment .
因此,您必须计划支付至少25%—28%的定金。
A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.
艾尔:是啊,这点我们已经估计到了,在我们的积蓄中攒的钱已足够支付30%的定金。
B:What's the interest rate on mortgage loans?
巴克斯特:抵押贷款的利息率是多少?
F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.
弗洛拉:根据各种不同情况的贷款,利息率稍有差别,但是,对于银行的老主顾一般是8。75%左右。
A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.
艾尔:那么我们从结婚到现在8年来一直与这里的银行往来,弗洛拉先生。因此,我想我们是合乎条件的。
F:Yes,you certainly do ,Mr.Baxter.Let's fill out this application ,so we can get started on the paperwork .
弗洛拉:是的,你们当然是符合条件的,巴克斯特先生。让我们先来填写这张申请表,然后就可以开始着手票据事宜,
It takes some time to complete a mortgage loan transaction.
要完成抵押贷款的交易是得花点时间。
B:We will need title insurance and fire insurance ,too,won't we ?
巴克斯特:我们还需要产权保险和火灾保险,对吗?
F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .
弗洛拉:是的,这里有一本有关我们抵押贷款的小册子,这个小册子说明了必须要办的一切手续。
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下面是读文网小编整理的关于房屋贷款的英语话术, 希望对大家有帮助。
Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.
艾尔和弗吉尼亚·巴克斯特正和他们的银行家托尼·费洛拉洽谈有关房屋贷款之事。
Al:We'd like to get some information about mortgage loans,Mr.Flora.
艾尔:我们希望得到一些有关抵押贷款方面的知识,弗洛拉先生。
We found a house that we'd like to buy.
我们找到了一所我们想买的房子。
Flora:Well,Mr.Baxter,we generally lend 80% of the bank's appraised value on 30-,35-or 40-year mortgages if the house is less than 10 years old .
弗洛拉:好的,巴克斯特先生。如果房屋从建成至今尚未超过10年,我们一般借给买房者的数额是银行对房屋估价的80%,而贷款期为30、35或40年。
Baxter:Oh ,it's almost a brand-new house .I think it was built two years ago .
巴克斯特:哦, 这几乎是一所全新的房子,我认为是两年前修建的。
A:Yes,it's a real good deal .The price is just right .
艾尔:是的,这真是的桩合适的买卖,价钱也很合理。
F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,
弗洛拉,银行的估价总是低于实际市场价格的,巴克斯特先生。
so you'll have to figure on at least at a 25%-28% down payment .
因此,您必须计划支付至少25%—28%的定金。
A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.
艾尔:是啊,这点我们已经估计到了,在我们的积蓄中攒的钱已足够支付30%的定金。
B:What's the interest rate on mortgage loans?
巴克斯特:抵押贷款的利息率是多少?
F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.
弗洛拉:根据各种不同情况的贷款,利息率稍有差别,但是,对于银行的老主顾一般是8。75%左右。
A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.
艾尔:那么我们从结婚到现在8年来一直与这里的银行往来,弗洛拉先生。因此,我想我们是合乎条件的。
F:Yes,you certainly do ,Mr.Baxter.Let's fill out this application ,so we can get started on the paperwork .
弗洛拉:是的,你们当然是符合条件的,巴克斯特先生。让我们先来填写这张申请表,然后就可以开始着手票据事宜,
It takes some time to complete a mortgage loan transaction.
要完成抵押贷款的交易是得花点时间。
B:We will need title insurance and fire insurance ,too,won't we ?
巴克斯特:我们还需要产权保险和火灾保险,对吗?
F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .
弗洛拉:是的,这里有一本有关我们抵押贷款的小册子,这个小册子说明了必须要办的一切手续。
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A Girl Not Included
女孩不包括在内
Tom saw an advertisement in a newspaper for abeautiful, modern bicycle which cost £54.99, so hewent to the shop which had put the advertisement inand asked to see one of their wonderful bicycles.
汤姆在报纸上看到一则广告,一种既漂亮又现代的自行车,卖54.99英镑。于是,他就去做广告的那家商店,问能否看一下那些超凡的自行车。
The shopkeeper was very happy to show one toTom, who examined carefully and said, "There isn't alamp on this bicycle, but there was one on the bicycle in your advertisement."
店主很高兴地给汤姆看了一辆,汤姆仔细地检查了一下,对店主说:“这辆车没有车灯,可是你们广告上有车灯。”
"Yes, sir," answered the shopkeeper, "but the lamp isn't included in the price of the bicycle. It'san extra."
“是的,先生。”店主回答,“可是车灯不包括在自行车的价钱里。那是另外算钱的。”
"Not included in the price of the bicycle?" Tom said angrily. "But that's not honest. If the lamp isin the advertisement, it should have been included in the price you gave there."
“不包括在车子的价钱里?”汤姆生气地问,“真是骗人。如果广告上有车灯,那么就应该包括在价钱里。”
"Well, sir," answered the shopkeeper calmly, "there is a girl on the bicycle in our advertisement,but we don't supply one of them with the bicycle either."
“哦,先生。”店主平静地回答,“我们的广告里,车子上还有个女孩,可是我们也不提供女孩啊!”
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《学习拉》英语栏目收录了英美人日常生活中经常说到、用到的最实用的有关金融会话句子、短语,满足你的需求。
Al and Virginia Baxter are talking to their banker ,Tony Flora ,about a housing loan.
Al:We'd like to get some information about mortgage loans,Mr.Flora.
艾尔和弗吉尼亚·巴克斯特正和他们的银行家托尼·费洛拉洽谈有关房屋贷款之事。
艾尔:我们希望得到一些有关抵押贷款方面的知识,弗洛拉先生。
We found a house that we'd like to buy.
我们找到了一所我们想买的房子。
Flora:Well,Mr.Baxter,we generally lend 80% of the bank's appraised value on 30-,35-or 40-year mortgages if the house is less than 10 years old .
弗洛拉:好的,巴克斯特先生。如果房屋从建成至今尚未超过10年,我们一般借给买房者的数额是银行对房屋估价的80%,而贷款期为30、35或40年。
Baxter:Oh ,it's almost a brand-new house .I think it was built two years ago .
巴克斯特:哦, 这几乎是一所全新的房子,我认为是两年前修建的。
A:Yes,it's a real good deal .The price is just right .
艾尔:是的,这真是的桩合适的买卖,价钱也很合理。
F:Bank appraisals are usually slightly lower than the actual market prices,Mr.Baxter,
弗洛拉,银行的估价总是低于实际市场价格的,巴克斯特先生。
so you'll have to figure on at least at a 25%-28% down payment .
因此,您必须计划支付至少25%—28%的定金。
A:Yes,we planned on that .We've accumulated enough in our savings for a 30% down payment.
艾尔:是啊,这点我们已经估计到了,在我们的积蓄中攒的钱已足够支付30%的定金。
B:What's the interest rate on mortgage loans?
巴克斯特:抵押贷款的利息率是多少?
F:It fluctuates a little depending on the various factors in the loan ,but around 8.75% for longtime clients.
弗洛拉:根据各种不同情况的贷款,利息率稍有差别,但是,对于银行的老主顾一般是8。75%左右。
A:Well,we've been banking here since we got married 8 years ago ,Mr.Flora ,so I guess we qualify.
艾尔:那么我们从结婚到现在8年来一直与这里的银行往来,弗洛拉先生。因此,我想我们是合乎条件的。
F:Yes,you certainly do ,Mr.Baxter.Let's fill out this application ,so we can get started on the paperwork .
弗洛拉:是的,你们当然是符合条件的,巴克斯特先生。让我们先来填写这张申请表,然后就可以开始着手票据事宜,
It takes some time to complete a mortgage loan transaction.
要完成抵押贷款的交易是得花点时间。
B:We will need title insurance and fire insurance ,too,won't we ?
巴克斯特:我们还需要产权保险和火灾保险,对吗?
F:Yes,you will.Here's our mortgage loan booklet which explains all the things which will be necessary .
弗洛拉:是的,这里有一本有关我们抵押贷款的小册子,这个小册子说明了必须要办的一切手续。
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下面是读文网小编整理的BEC中级考试包括的几方面,以供大家学习参考。
BEC中级考试由四部分组成:阅读60分钟,写作45分钟,听力40分钟(含填写答题卡时间),口语 14分钟。
阅读、写作、听力通常一般都在上午考。上午先考阅读,然后考写作,最后考听力。每部分考完后要收答题纸和试卷,所以一定要严格按照考试时间答题。口语考试在下午进行。考前请大家注意考试指令,监考老师会在考试前和大家讲清楚。如果没听懂可以问监考老师。考试具体时间和地点请看自己的准考证。答案必须写在答题纸上。填空题所有的字母要大写,如果填两个单词,单词之间要空一格。阅读、写作、听力在答题卡要用2B铅笔答。作文要正常书写,用黑色水笔写。
这部份试题由三部分共30个问题组成。采取的形式为完形填空题、多选项选择题和进一步的多选项选择题。第一部分有三段简短的谈话。第二部分包括10段很短的摘录。第三部分为一篇较长的文字。体裁取自各种不同来源的听力录音,包括访谈、打电话、面对面的交谈和记录片。内容与商务相关,用以测试听力技巧和技能。
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求职是人生中至关重要的大事,制作一份印象深刻的简历则是这大事中的大事。而现如今,提供一份英文简历成了一件必要的事情。
对于英文简历,很多求职者只是简单地翻译一下中文简历,甚至有人直接利用翻译软件,可想而知,这样的英文怎么能给别人留下好的印象呢,更不用说深刻的印象了。为了帮助大家写好英文简历,读文网小编整理了一些英文简历写作方面的技巧和英文简历样本于大家共享,千万不要错过哦~
An resume should include only the last ten years of experience.
简历应该只包括最近10年的经验。
Content of your resume should be selected strategically to support your focus and value proposition.
简历的内容应该有选择的提供来支持你简历中的重点内容。
While it is true that readers of your resume will be most interested in your most recent experience, there is often value in including experience further back in your history. Perhaps your early career includes work for well-known, prestigious companies. Perhaps you want to document the full scope of your cross-industry experience, much of which occurred in your early career. Perhaps you believe some valuable networking opportunities may come out of your experience 15 or 20 years ago. Or perhaps your most impressive accomplishments were in a position you held 12 years ago. In any case, it will be apparent to the reader that your executive career did not suddenly materialize ten years ago so there is little harm and many benefits to summarizing this early experience. Of course, this does not mean that you must give equal page weight to your early career. If you feel early dates will be used to screen you out, subtly leave them out of your early career summary. If some early career positions have more strategic relevance than others, give them more emphasis in your summary. Think carefully about the content of your resume. If there is solid reasoning behind your desire to present early experience, than do so.
虽然简历阅读者是对你最近的一份工作最感兴趣,但是同样也对更早的一些工作经历感兴趣。或许你更早的一些的工作是在比较有名气的公司里。或许能够更加完善你的工作经验。或许你印象最深刻的成就确实是在12年前的工作中得到的…虽然对阅读者而言,你十年前的工作经验很难物化地去理解,但是,描述这早期的工作经历并无大碍却说不定会有很多好处。当然,这并不是说非得要花纸张去说明过去的经验,而应该视情况而定。如果早期的工作经验并无特色,完全可以省去。如果恰恰相反,早期的工作比其他的更重要,那就要着重描述一下了。一定要花费心思好好想想简历的内容,如果描述早期的工作经验确实很有必要,那就写吧。
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合同是约定当事人权利义务的正式文件,对英文合同中的语言的要求不同于一般基础英语或者文学作品.Martin Joos按照语言使用的正式程度提出了英语的五种变体,即庄重文体、正式文体、商议文体、随便文体和亲密文体.一般认为合同英语属于庄重文体,即文体中正式程度最高的一种.合同英语在词汇和句法等方面具有鲜明的文体特征.
合同一般写作Contract,如果是正本则在右上方注明Original,副本则注明Copy。比如购买合同Purchase Contract,销售合同Sale Contract,租赁合同Lease Contract,运输合同Shipping Contract,等等。
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包括是现代汉语词汇,表示包含;总括。[1] 例如语文教学应该包括听、说、读、写四项,不可偏轻偏重;我说 ‘大家’,自包括你在内。那么,你知道包括的英文单词怎么说吗?
包括[bāo kuò]
以上各点均包括在建议中。
The foregoing have all been included in the proposals.
参赛者中包括三名世界记录保持者。
The field includes three world record holders.
这工作的附加福利包括一辆小汽车和免费健康保险。
The fringe benefits of this job include a car and free health insurance.
这个地区传统的早饭包括火腿和鸡蛋。
The traditional breakfast in this area includes bacon and eggs.
运费中不包括火车站至轮船码头之间的运输费用。
Fares do not include conveyance between railway stations and steamer piers.
一套餐具包括刀,叉,匙等。
A cutlery set includes knives, forks, spoons etc.
含增值税及城市/旅游税:包括增值税。包括服务费。包括城市/旅游税。
Enter the rotunda and then get on your first right.
这里所说的所有类型不仅包括泛型类型本身,还包括类型参数。
This includes the type arguments as well as the generic type itself.
您的订单中包括的装箱单不包括价格信息。
包括的英文单词
The packing slip included with your order does not include pricing information.
热处理炉包括所述加热炉,还包括淬火装置。
The heat treatment furnace comprises the heating furnace and a quenching device.
1. The unemployed executives include former sales managers, directors and accountants. 被解雇的管理人员包括前销售经理、主管和会计。
2. The party has been taking on staff, including temporary organisers. 这个政党一直在招募工作人员,包括临时的组织人员。
3. They've linked her with various men, including magnate Donald Trump. 他们把她与不同的男人扯上关系,包括大亨唐纳德·特朗普。
4. That programme will include live commentary on the England-Ireland game. 那个节目将包括英格兰与爱尔兰比赛的实况报道。
5. I should point out that these estimates cover just the hospital expenditures. 我应该指出,这些估算仅包括医院的费用。
6. Other amenities, less commonly available, include a library and exercise room. 还有一些不太常有的设施,包括图书馆和健身房。
7. The price includes two economy class airfares from Brisbane to Los Angeles. 这一价格包括两张从布里斯班到洛杉矶的经济舱机票。
8. The service covers contraceptive advice and health checks, and is available free. 服务项目包括避孕建议和健康检查,并且免费提供。
9. There are 94 countries represented in Barcelona, from Algeria to Zimbabwe.包括从阿尔及利亚到津巴布韦的94个国家在巴塞罗那设有代表处。
10. His work schedule still includes speaking engagements and other public appearances. 他的工作日程表上还包括演讲安排和在其他公开场合的露面。
11. He can perform an astonishing variety of acts, including mime and juggling. 他能表演好几种令人惊叹的把戏,包括哑剧和玩杂耍。
12. The tour will include games against the Australian Barbarians. 这次巡回赛将包括和澳大利亚野人队的比赛。
13. We'll put together a proposal, including detailed costings, free of charge. 我们将免费拟一份提案,其中包括详细的成本估算。
14. Symptoms are a slight fever, headache and loss of appetite. 症状包括低烧、头痛和食欲不振。
15. The new e-books will include a host of Rough Guide titles. 新电子书将包括大量的简明指南。
16. Other changes include more tolerant attitudes to unmarried couples having children. 其他变化包括对非婚夫妇生育更为宽容的态度。
17. The £85m programme will involve an extensive rebranding of the airline. 这个8,500万英镑的项目将包括全面重塑该航空公司的形象。
18. This year's event consisted of readings, lectures and workshops. 今年的活动包括读书会、讲座和研讨会。
19. Each unit including the parent company has its own, local management.包括母公司在内,每个单位都有自己的地方管理层。
20. A five-course meal including coffee, service and VAT is £30.包括咖啡、服务费及增值税在内,一顿五道菜正餐的价格为30英镑。
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贷款是银行或其他金融机构按一定利率和必须归还等条件出借货币资金的一种信用活动形式。广义的贷款指贷款、贴现 、透支等出贷资金的总称。银行通过贷款的方式将所集中的货币和货币资金投放出去,可以满足社会扩大再生产对补充资金的需要,促进经济的发展;同时,银行也可以由此取得贷款利息收入,增加银行自身的积累。那么你知道贷款用英语怎么说吗?下面来学习一下吧。
credit
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计算机是人类科学技术上一项伟大的成就,如今计算机的应用范围已经从科学计算扩展到人类社会的各个领域。计算机之所以如此普及,是由其自身特点所决定的。接下来小编为大家整理了计算机的应用包括哪些呢?希望对你有帮助哦!
For many years, researchers have been exploring the way people think in hopes of creating a computer that thinks like a person. This is so called Artificial Intelligence (AI)。 It aims at producing a computer system that will be able to communicate with us by speech and hearing, and be capable of solving intelligent problems. One practical application of AI has been in the area of expert systems. An expert system is a computer program that solves the specialized problems at the level of a human expert.
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个人存单质押贷款是借款人以未到期的个人本、外币定期存单作质押,从银行取得一定金额的人民币贷款,并按期偿还贷款本息的贷款业务。接下来小编为大家整理了什么是个人存单质押贷款,希望对你有帮助哦!
Personal loan pledged by certificates of deposit (CD) /treasury bonds is a kind of business combining deposit and loan in which the client gets a certain amount of Renminbi loan from the bank by pledging undue certificate(s) of time deposit and also repays the principal and interest accrued on schedule. CDs used for hypothecation are limited to certificates of time deposits issued by the savings outlets in the local administrated area of the tier-one branches of and branches under the Bank of China.
Any resident in China with full capacity for civil conduct, holder of undue certificates of time deposit in local or foreign currencies issued by the Bank of China or treasure bonds, may apply for a personal loan pledged by CDs/treasure bonds to the Bank.
The length of maturity of a personal loan pledged by CDs/treasury bonds may not exceed the due date of the pledged CD. Besides, the longest maturity shall be one year. If multiple certificates of personal deposit are pledged, the length of maturity shall be set according to the nearest due date. For automatic renewal certificates of deposit, the length of maturity shall be set according to the length of automatic renewal.
The interest rate for loans of the same grade announced by the People's Bank of China applies to the interest rate for personal loans pledged by CDs/treasury bonds. The interest rate shall not float beyond the ceiling rate specified by the People's Bank of China. If the length of maturity is less than six months, the interest rate shall be that for the six month loan. For repayment before maturity date, the interest shall be calculated according to the originally set interest rate and the actual number of days of borrowing. In case the People's Bank of China adjusts the interest rate, the contracted interest rate is still adopted within the length of maturity.
Borrowers may use the loans for purchases of houses, cars and expensive consumer durables, for house refurbishing, vacation and travel, education and other consumer demands, as well as for working capital demand in normal operations.
The minimum amount of a personal loan pledged by CDs/treasury bonds is RMB1,000. The amount of the loan shall in principle not exceed 90% of the face value of the pledged CD (for deposits in foreign currencies, calculated in Renminbi translated at the current day buying rate of foreign exchange ). The maximum borrowing limit of a single loan shall in principle not exceed RMB3,000,000.
The borrowers may use cash or deposits with the Bank of China for debt service. With the consent of the lender, the borrowers may repay the principal and interest of the loans ahead of schedule.
个人存单质押贷款是以客户未到期的定期储蓄存单做质押,从银行取得一定金额的人民币贷款,并按期偿还贷款本息的一种存贷结合业务。用于质押的存单仅限于中国银行一级分行及直属分行本辖区内各储蓄网点所开具的定期储蓄存单。
凡具有完全民事行为能力的中国境内居民,持有中国银行开具的未到期本、外币定期储蓄存单者均可向我行申请办理个人存单质押贷款。
个人存单质押贷款期限不得超过质押存单的到期日,且最长不超过一年。若为多张个人存单质押,以距离到期日最近的时间确定贷款期限。办理自动转存的存单视自动转存期限长短确定。
个人存单质押贷款利率按中国人民银行公布的同档次贷款利率执行。利率上浮的最高比例不得超过中国人民银行的规定。借款期限不足6个月的按6个月贷款利率确定,提前还贷按原定利率和实际借款天数计算。如遇中国人民银行调整利率计息,在贷款期限内仍按合同利率执行。
借款人可将贷款用于购买住房、汽车、大额耐用消费品和用于家居装修、度假旅游、教育助学等消费需求,以及用于正常经营的资金需求。
个人存单质押贷款额度起点为人民币1000元;贷款金额原则上以不超过存单面额80%的质押率计算(外币存款按当日公布的外汇(钞)买入价折成人民币计算);贷款最高限额原则上单笔不超过10万元人民币。
借款人可用现金或其在中国银行的存款偿还贷款本息。经贷款人同意,借款人可提前归还贷款本息。
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大额耐用消费品贷款是指向消费者个人发放用于购买大额耐用消费品的人民币贷款。接下来小编为大家整理了什么是大额耐用消费品贷款,希望对你有帮助哦!
Large consumer durables refer to Renminbi loans granted to individual consumers to facilitate purchases of expensive consumer endurables. Expensive consumer endurables refer to household endurable commodities with a unit price of 3,000 yuan or higher and a normal service life of more than two years, including household electrical appliances, computers, furniture, body-building apparatus, sanitary tools, musical instruments, etc. (excluding cars and houses). Large consumer durables loans may be used only for expensive consumer endurables operated by tied sellers that have entered into related agreements with the lender and undertake installment payment business. The length of maturity of large consumer durables loans is usually within one year, with the longest up to three years (or shorten). For a borrower close to the age of retirement, the length of maturity may not exceed the age of retirement (usually 55 for a woman and 60 for a man). The interest rate for large consumer durables loans shall be the rate for loans of the same grade stipulated by the People's Bank of China, and the interest rate shall fluctuate upwards in line with the regulations of the People's Bank of China.
If the length of maturity is within one year, interests shall be computed at the contracted interest rate, and they shall remain unchanged in case of the adjustment of the legal interest rate; if the term of one loan is over one year, in case of adjustment of the legal interest rate, a new interest rate shall be adopted in accordance with the relevant grade of interest rate as from the beginning of the following year. The credit lines for large consumer durables loans range from RMB2,000 to RMB100,000. The down payment of a borrower in purchasing expensive consumer goods shall not be less than 20% of the total value of the purchase, and the amount of borrowing may not exceed 80% of the total value of the purchase. The borrower shall open a current account with the Bank of China, and according to the repayment plan provided in the contract, deposit money sufficient for the current repayment of the loan and the interest accrued in the current account prior to the day of repayment and also authorize the lender to withhold the right of deducting the amount from the account on schedule. Within the borrowing time limit, the borrower may, according to the methods of repayment provided by the lender, repay the principal and interests of the loan by installment or by lump sum in full. With the consent of the lender, the borrower may service the debt ahead of schedule.
大额耐用消费品贷款是指向消费者个人发放用于购买大额耐用消费品的人民币贷款。大额耐用消费品是指单价在3000元以上(含3000元)、正常使用寿命期在二年以上的家庭耐用商品,包括家用电器、电脑、家具、健身器材、卫生洁具、乐器等(汽车、房屋除外)。大额耐用消费品贷款只能用于购买与贷款人签订有关协议、承办分期付款业务的特约销售商所经营的大额耐用消费品。 大额耐用消费品贷款的期限一般在一年以内,最长为三年(含三年)。将至退休年龄的借款人,贷款期限不得超过退休年限(一般为女性55岁、男性60岁)。 大额耐用消费品贷款的利率执行中国人民银行规定的同档次贷款利率,利率上浮应符合中国人民银行的规定。
贷款期限在一年以内的,按合同利率计息,遇法定利率调整不变;贷款期限在一年以上的,遇利率调整,于下年初开始,按相应利率档次执行新的利率水平。 大额耐用消费品贷款额度的起点为人民币2千元,最高额不超过10万元;借款人用于购买大额耐用消费品的首期付款额不得少于购物款的20%,借款额最高不得超过购物款的80%。 借款人应在中国银行开立活期存款账户,按合同约定的还款计划,于每次还款日前,在活期存款账户中存入足够偿还本期贷款本息的款项授权贷款人按期扣款。 在借款期限内,借款人按照贷款人规定的还款办法,可分次或一次性地足额归还贷款本金和利息。 经贷款人同意,借款人可提前归还贷款本息。
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个人贷款,又称零售贷款业务,经过几十年的发展,已成为一项重要的贷款业务。接下来小编为大家整理了个人贷款种类的介绍,希望对你有帮助哦!
Personal house purchase loan means a loan lent by bank to the borrower for purchasing a self-used common housing.
个人购置住房贷款是指银行向借款人发放的用于购买自用普通住房的贷款。
The prospective borrower of personal housing loan should be a natural person having a complete civil capacity.
个人购置住房贷款对象应是具有完全民事行为能力的自然人。
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个人综合消费贷款是各银行等向借款人发放的用于指定消费用途的人民币担保贷款。接下来小编为大家整理了什么是个人综合消费贷款,希望对你有帮助哦!
Personal comprehensive consumer loan is referred to the RMB loan provided to the borrower by the bank, used for designated concrete consumption. It can be divided into 4 levels as 6-month, 1-year, 2-year and 3-year. The loan varies from 2,000 Yuan to 500,000 Yuan. Personal comprehensive consumer loan features wide consumption uses, high loan line, flexible loan term, etc. It's the ideal choice for a wide range of consumers for achieving the aim of "pay thefuture fortune in advance and enjoy advancing life". The loan line should be more than 2,000 Yuan and less than 500,000 Yuan and the detailed loan line will be determined by bank according to borrower's credit status and the guarantee offered. The term of the loan can be divided into 4 levels, such as 6-month, 1-year, 2-year and 3-year. The loan interest rate is implemented in accordance with the loan interest rate stipulated by the People's Bank of China for the corresponding period. If the loan term is shorter than 1 year, the contract interest rate will be implemented; If the loan term is longer than 1 year, it will be counted on grades and the regulation of legal interest rate will start from the beginning of next year, and the new interest rate shall be implemented in accordance with corresponding interest rate.
个人综合消费贷款是银行向借款人发放的用于指定消费用途的人民币贷款。 款期限分6个月、1年、2年、3年四个档次,贷款限额为2000元至50万元。个人综合消费贷款具有消费用途广泛、贷款额度较高、贷款期限灵活等特点,是广大消费者实现“预支未来财富,享受超前生活”的理想选择。 贷款额度最低为2000元,最高为50万元,由银行根据借款人资信状况及所提供的担保情况确定具体贷款额度。 贷款期限分6个月、1年、2年、3年四个档次。 贷款利率按照中国人民银行规定的同期贷款利率计算。在贷款期间如遇利率调整时,贷款期限在1年(含)以下的,按合同利率计算;贷款期限在1年以上的,实行分段计算,于下一年年初开始,按相应利率档次执行新的利率。
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包括表示包含,总括。例如语文教学应该包括听、说、读、写四项,不可偏轻偏重。那么你知道包括用英语怎么说吗?下面读文网小编为大家带来包括的英语说法,欢迎大家学习!
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