查询词典 housing mortgage loan

Reportedly, the current minimum interest rate of individual housing loans, and developers of housing development loan interest rates higher than its nearly 1 percentage point, which makes developers tried avail oneself of loopholes, and mobilize acquaintances to buy, and through individual housing loan funds for the development of real estate, or even engage in "false mortgage."

据介绍，目前个人住房贷款的利率最低，而开发商的住房开发贷款的利率要比它高出近1个百分点，这就使开发商想方设法钻空子，动员熟人去买房，再通过个人住房贷款的资金来开发房产，甚至搞"假按揭"。

Chengdu fan letter Acer industry company limited by guarantee, established in 2003, is a real estate mortgage and personal Yi Shoufang, the secondary mortgage loan business led to replacement housing for the guidance of diversified real estate operating companies.

成都藩信宏业担保有限公司成立于2003年，是一家以房地产抵押贷款及个人一手房、二手房按揭贷款业务为主导，以房屋置换、信用卡业务为辅导的多元化房地产金融服务公司。

Part E is the comparative study on the legal system of housing mortgage loan between Chinaand U.

第五部分对中美住房抵押贷款法律制度进行比较研究。

While housing mortgage loan has asset scale and good quality, which suits to be the point of tangency into asset securitization of our country.

而住房抵押贷款所具备的资产规模和良好质量，也十分适合作为我国资产证券化的切入点。

It is the concern of the risk which hides behind the housing mortgage loan that Chinese commercial banks should pay attent...

本文分析了中国银行住房信贷的现状及存在的风险，提出美国次贷危机给我国商业银行住房贷款的启示性建议。

A second larger wave of residential housing mortgage failures;(2) The first big wave of auto loan failures and repossessions;(3) Over $40 billion in credit card defaults, smashing the bank lenders;(4) The first wave of commercial mortgage failures and foreclosures on shopping malls, office buildings and other commercials;(5) And

超过400亿美元的信用卡违约，将打击银行贷款；（ 4 ）第一波购物商场、办公楼和其他商业地产的抵押贷款止赎权丧失；（ 5 ）最后，无保证金资金或定金的CDS交易将上演华丽的终场乐章！我们今天听到的总数是500万亿美元！我甚至不能形容这个数字。

A second larger wave of residential housing mortgage failures;(2) The first big wave of auto loan failures and repossessions;(3) Over $40 billion in credit card defaults, smashing the bank lenders;(4) The first wave of commercial mortgage failures and foreclosures on shopping malls, office buildings and other commercials;(5) And finally, the grand smashing finale of CDS Credit Default Swaps originated with No margin money or down payments!

在明年春天，我们看到：（ 1 ）第二次大浪潮住宅按揭失败；（ 2 ）第一大浪的汽车消费贷款的失败和收回；（ 3 ）超过400亿美元的信用卡违约，打破了银行贷款；（ 4 ）第一批失败和商业抵押贷款抵押品赎回权的购物商场，办公楼和其他商业广告；（ 5 ），最后，大砸最后的CD信用违约互换起源无保证金资金或订金！

Mortgage: 1 Hangzhou raised the cap of housing fund loan from Rmb0.6mn to Rmb0.8mn, and offer 30% interest discount for house purchase before 2011. 2 Shanghai: banks, happy with mortgage loan growth from a booming property market, cut kickbacks to property agents.

杭州通过《关于调整住房公积金贷款政策的通知》，每户家庭住房公积金贷款最高额度由60万元提高到80万元，而且在2011年元旦前使用公积金购房的，可享受30%利息补贴。2）上海：随着房市成交持续火爆，银行的房贷业务收紧给中介的&返利&。

Different risks have different insurance needs, and therefore, for the purchase of personal loan business, at least three types of insurance required : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, principal owing on the loan guarantee period by the lender or accidental injury and disease incapacity or death situation, banks can secure their loans, lenders families can continue to live; Third mortgage purchase a performance bond insurance, in which insurance, the insurance companies play the role of the guarantor to charge a premium for the purchase of security costs, credit for the purchase and the provision of economic security, as was the guarantor for death, unemployment causes an inability owing on the loan, the insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

不同的风险有不同的保险需求，因此，对于个人贷款购房业务，起码需要三类保险的保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要保证还贷期内在贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，在这种保险中，保险公司扮演了担保人的角色，向购房人收取一定的保险费作为担保费，并为购房人的经济信用提供担保，当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

Generally, the process of getting loans on the basis of the existence of different risk factors, personal loans purchase at least three types of business risk protection : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, mainly in the loan owing on the loan period of injury as a result of illness or accident and incapacity or death of bank guarantee safe recovery loans to the families of those who continue to live; Third mortgage purchase insurance performance bond, mainly because when the guarantor of death, unemployment causes an inability owing on the loan, insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

一般而言，根据贷款买房过程中存在的不同风险因素，个人贷款购房业务至少需要三类风险保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要是在还贷期内贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，保证银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，主要是在当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。