为您找到与什么叫存单质押贷款相关的共8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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《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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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。
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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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