为您找到与哪些银行可以存单质押贷款相关的共200个结果:
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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《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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中国农业银行是中国大型上市银行,中国五大银行之一,其总行设在北京。那么你知道中国农业银行用英语怎么说吗?下面和读文网小编一起来学习一下中国农业银行的英语知识吧。
中国农业银行账号
Agricultural Bank of China account
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中国银行全称是中国银行股份有限公司,是五大国有商业银行之一。作为中国国际化和多元化程度最高的银行,在中国内地、香港、澳门、台湾及37个国家为客户提供全面的金融服务。那么你知道中国银行用英语怎么说吗?下面和读文网小编一起来学习一下中国银行的英语说法吧。
中国银行上海分行 shanghai branch of bank of china
中国银行大楼 Bank of China Tower
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招商银行,是中国第一家完全由企业法人持股的股份制商业银行,简称招行。由香港招商局集团有限公司创办,是中国内地规模第六大的银行、香港中资金融股的八行五保之一。那么你知道招商银行用英语怎么说吗?接下来跟着读文网小编来学习一下吧。
中国招商银行 China Merchants Bank
招商银行存款 China Merchants Bank Deposit
中国招商银行行长 China Merchants Bank President
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随着网络以及计算机,手机应用的发展,移动银行的概念与人们的生活更加贴近。那么你知道移动银行用英语怎么说吗?下面跟着读文网小编一起来学习一下吧。
浅谈移动银行 Discussion on Mobile Bank
移动银行概述 Mobile Banking Summarization
移动电子银行 mobile e-bank
移动网络银行 Mobile Banking System
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网上银行指银行通过信息网络提供的金融服务,包括传统银行业务和因信息技术应用带来的新兴业务。通过Internet向客户提供开户、查询、对帐、行内转帐、跨行转账、信贷、网上证劵等服务。那么你知道网上银行用英语怎么说吗?接下来跟着读文网小编来学习一下吧。
internet bank
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商业银行是一个以营利为目的,以多种金融负债筹集资金,多种金融资产为经营对象,具有信用创造功能的金融机构。主要业务范围包括吸收公众、企业及机构的存款、发放贷款、票据贴现及中间业务等。那么你知道商业银行用英语怎么说吗?接下来跟着读文网小编来学习一下吧。
南洋商业银行 Nanyang Commercial Bank
北京市商业银行 Beijing City Commercial Bank
国有独资商业银行 wholly state-owned commercial banks
商业银行法 Law of Commercial Banks
商业银行实务 Practice of Business Bank
商业银行管理 Commercial Banking Management
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英语单词是学英语的基础,多记忆背诵才能学好英语。下面读文网小编为大家带来银行金融必备英语单词,欢迎大家学习!
issuingbank, opening bank 开证银行
advisingbank, notifying bank 通知银行
negotiationbank 议付银行
confirmingbank 保兑银行
payingbank 付款银行
domesticbank 国内银行
overseasbank 国外银行
unincorporatedbank 钱庄
trusteesavings bank 信托储蓄银行
trustcompany 信托公司
financialtrust 金融信托公司
unittrust 信托投资公司
creditunion 合作银行
creditbureau 商业兴信所
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下面读文网小编为大家带来金融英语银行业务情景对话,欢迎大家阅读!
A:Good morning ,welcome to Bank of the USA. How may I help you today?
早晨好,欢迎来到美国银行,我能为你做点什么?
B:Hi,I need to transfer some money to another account. It’s urgent.
你好,我需要将钱转到另一个账号,很紧急。
A:Okay, have you made a wire transfer at our bank before?
好的,你以前在我们银行电汇过吗?
B:No. I’ve never made a transfer before.
没有,我早先没转过。
A:It’s alright, I will take you through the procedure. Are you transferring funds to acompany or an individual account?
好吧,我会指导你如何办手续,你是将钱转到另一个公司账户还是个人账户?
B:A company account. I need to pay a bill.
公司账户,我需要付钱。
A:Okay, I’ll need the name of the company and their bank routing number as well as theirbank’s address and phone number.
好的,我要知道公司的名字和开户号还有他们的银行地址和手机号。
B:I have all the information in this folder.
文件里有所有信息。
A:Well. You’ve come prepared. I have all the necessary materials so we can go ahead andmake the transfer right now. It’s a simple transaction, and we can process it today.
看来你已经准备好了,你已经有必须的材料,现在我们就能转账。这是个简单的手续,我们今天就能办理。
B:Oh, that’s such a relief. I didn’t want the payment to be overdue. Thank you so much.
那让我感到了些宽慰。我不想付款付晚了,非常感谢谢谢。
A:It’s my pleasure.
为你服务是我的荣幸。
以上就是读文网小编为大家带来的金融英语银行业务情景对话,希望对大家的学习有所帮助!
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下面读文网小编为大家带来金融英语办理银行业务情景对话,欢迎大家阅读!
A:Good morning, may I help you?
早上好,请问有什么可以帮您?
B:Hello, I want to remit one thousand Yuan to Magnolia Company.
你好,我想给马诺丽亚公司汇一千元钱。
A:Please fill out this form, please.
请您填一下这张表格。
B:OK. Do I put on Magnolia Company for the receiver?
好的。在收款人一项写马诺丽亚公司吗?
A:Yes. You must put on its name and full address.
是的。您必须填写它的名称和完整地址。
B:OK, I see. Here you are. Is that OK now?
好的,知道了。给你。这样行吗?
A:Let me check. Yes. Your one thousand remittance, please.
我看看,可以了。请给我您的一千元汇款。
B:Here you are. What is the rate?
这就是。请问手续费率是多少?
A:This rate is one percent. That will be 10 Yuan.
是百分之一。就是十元。
B:OK, when will this remittance arrive?
好的。这些汇款什么时候能到?
A:Generally it will arrive within a week.
一般来说,一周之内就会到。
B:That's good. Is there anything else?
好的。还有别的什么事情吗?
A:No. That's all. You have to take good care of this copy of this transfer order.
不,没有了。您得保管好这张汇款单。
B:Thanks, I will.
谢谢,我会的。
以上就是读文网小编为大家带来的金融英语办理银行业务情景对话,希望对大家的学习有所帮助!
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下面读文网小编为大家带来金融英语办理银行业务情景对话,欢迎大家阅读!
A:May I help you?
我能帮你什么?
B:I'd like to cash this check, please.
我想把这张支票兑现。
A:Do you have an account with us?
请问,您在我方银行有账户吗?
B:Yeah. Here's my identification card.
是的。这是我的身份证。
A:Do you want large or small bills?
你想要大面额的还是小面值的现钞?
B:Actually, I want to buy some traveler's checks.
实际上我想买一些旅行支票。
A:What denomination?
什么面额的?
B:Twenties would be fine.
面值20的就好。
A:Do you want the whole amount in traveler's check?
所有的钱都用来买旅行支票吗?
B:Yes, please.
是的。
以上就是读文网小编为大家带来的金融英语办理银行业务情景对话,希望对大家的学习有所帮助!
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银行家是以银行业为主业的企业家,银行家的别称为:资本家,投资家。银行家就是指善于把孕育中的商业眼光变成商业现实的人。那么你知道银行家用英语怎么说吗?下面来学习一下吧。
money changer
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银行卡是由商业银行等金融机构及邮政储汇机构向社会发行的具有消费信用、转账结算、存取现金等全部或部分功能的信用支付工具。那么你知道银行卡用英语怎么说吗?下面来学习一下吧。
英国银行卡协会 UK Cards Association
银行卡用途说明 Brief explanation of card usage
美洲银行卡 BankAmericard ; bank americard
使用银行卡支付 Using a bank card payments
银行卡交易明细 Bank card transaction details schedule ;
银行卡组织 Banknet ; bankcard association
银行卡支付系统 Bank Card Payment System
银行卡密码 Bank card password ; Bank cards
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银行是以存款、贷款、电汇、储蓄等业务,承担信用中介的金融机构。其主要的业务范围有吸收公众存款、发放贷款以及办理票据贴现等。接下来小编为大家整理了银行业务介绍,希望对你有帮助哦!
Agency salary and social insurance welfare payment businessAgency salary and social insurance welfare business is a business whereby any subordinate institution of ICBC conducts batch inwards transfer through the advanced computer networked system, automatically transfers relevant funds into a savings account designated by a depositor, and pay his/her salary on behalf of the corporate/institutional unit or pay his/her social insurance welfares on behalf of the social insurance authorities.
代发工资、社会保险金业务代发工资、社会保险金业务是指中国工商银行其属下机构,通过先进的电脑联网系统进行批量入账,将有关款项自动转入储户预先约定的储蓄账户上,代理企、事业单位发放工资或代理社会保险局发放社会福利保险金的业务。
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小编为大家整理了银行付款词汇中英对照,希望对你有帮助哦!
定期付款
payment on term
年分期付款
annual payment
月分期付款
monthly payment||monthly instalment
延滞付款
payment in arrear
付款方法
mode of payment
现金付款
payment by cash||cash payment||payment by ready cash
以支票支付
payment by cheque
以汇票支付
payment by bill
以物品支付
payment in kind
付清||支付全部货款
payment in full||full payment
支付部分货款||分批付款
payment in part||part payment||partial payment
记帐付款||会计帐目内付款
payment on account
预付货||先付
payment in advance||prepayment
延付货款
deferred payment
立即付款
prompt payment||immediate payment
暂付款
suspense payment
延期付款
delay in payment||extension of payment
支付票据
payment bill
名誉支付||干与付款
payment for honour||payment by intervention
结帐||清算||支付
settlement
分期付款
instalment
滞付||拖欠||尾数款未付
arrears
特许拖延付款日
days of grace
保证付款
del credere
付款
to pay||to make payment||to make effect payment
结帐
to settle||to make settlement||to make effect settlement||to square||to balance
支出||付款
to defray||to disburse
结清
to clear off||to pya off
请求付款
to ask for payment||to request payment
恳求付帐
to solicit payment
拖延付款
to defer payment||to delay payment
付款被拖延
to be in arrears with payment
还债
to discharge
迅速付款
to pay promptly
付款相当迅速
to pay moderately well||to pay fairly well||to keep the engagements regularly
付款相当慢
to pay slowly||to take extended credit
付款不好
to pay badly||to be generally in arrear with payments
付款颇为恶劣
to pay very badly||to never pay unless forced
拒绝付款
to refuse payment||to refuse to pay||to dishonour a bill
相信能收到款项
We shall look to you for the payment||We shall depend upon you for the payment ||We expect payment from you
惠请付款
kindly pay the amount||please forward payment||please forward a cheque.
我将不得不采取必要步骤运用法律手段收回该项货款
I shall be obliged to take the necessary steps to legally recover the amount. ||I shall be compelled to take steps to enforce payment.
惠请宽限
let the matter stand over till then.||allow me a short extension of time. ||Kindly postpone the time for payment a little longer.
索取利息
to charge interest
附上利息
to draw interest||to bear interest||to allow interest
生息
to yield interest
生息3%
to yield 3%
存款
to deposit in a bank||to put in a bank||to place on deposit||to make deposit
在银行存款
to have money in a bank||to have a bank account||to have money on deposit
向银行提款
to withdraw one's deposit from a bank
换取现金
to convert into money||to turn into cash||to realize
折扣用语
从价格打10%的折扣
to make a discount of 10% off the price||to make 10% discount off the price
打折扣购买
to buy at a discount
打折扣出售
to sell at a discount
打折扣-让价
to reduce||to make a reduction
减价
to deduct||to make a deduction
回扣
to rebate
现金折扣
cash discount
货到付款||现金提货
cash on deliver (C.O.D.)
货到付现款
cash on arrival
即时付款
prompt cash
净价||最低价格付现
net cash
现金付款
ready cash
即期付款
spot cash||cash down||cash on the nail
凭单据付现款
cash against documents
凭提单付现款
cash against bills of lading
承兑交单
documents against acceptance (D/A)
付款交单
documents against payment (D/P)
折扣例文
除非另有说明, 30日后全额付现, 如有错误, 请立即通知。
Net cash 30 days unless specified otherwise. Advise promptly if incorrect.
付款条件: 30日后全额付现, 10日后付现打2%折扣, 过期后付款时, 加上利率为6%的利息。
Terms, net cash 30 days, or, less 2% 10 days. Interest charged at the rate of 6% after maturity.
付款条件: 月底后10日后付现2%折扣, 现在付现3%折扣, 否则, 全额付现。
Terms: 2%, 10 days E.O.M., or 3% cash, otherwise strictly net.
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