查询词典 housing mortgage loan

This article mainly analyzed the of the housing reverse mortgage loan in our country.

借款人在获得现金的同时，将继续获得房屋的居住权并负责维护。

Housing reverse mortgage loan is an important and innovate kind of old-age security.

住房逆抵押贷款是养老保障创新的重要品种。

For "buy" housing developer false mortgage loan applicants should also be under strict control.

为"买进"住房开发商虚假按揭贷款申请人也应严格控制之下。

It is understood that individual housing secondary mortgage loan business in Shenzhen marks the first launch of the interbank China.

据了解，目前个人住房二次抵押贷款业务在深圳市银行同业中尚属首家推出。

Therefore, it is of great significance for building up a harmonic society to present housing reverse mortgage loan to public.

因此，在我国推出住房反向抵押贷款，对于缓解社会保障压力，构建和谐社会有着重要意义。

U.S. secondary mortgage loan is one of the many financial product innovation, mainly referring to financial institutions for credit scores below 620 points, proof of income loss, a heavier debt provided by the housing loans, in the past few years because of help to solve more More than the housing market has been sought after, but today, it has become a world-class crisis in the fuse, causing the impact on global financial markets and investors panic.

次级抵押贷款是美国众多金融创新产品之一，主要指金融机构为信用分数低于620分、收入证明缺失、负债较重的人提供的住房贷款，在过去几年里因为有助于解决更多人的住房问题而受到市场追捧，然而今天，它却成为一场世界级危机的导火索，造成全球金融市场的振荡和投资者的恐慌。

Pointed out that from the financial point of view, countries in the current macroeconomic policy, the bank's second-hand housing loan requirements of the subject matter of strict than before, and the proportion of loans and repayment period is more stringent; in the process of a direct impact on second-hand housing transactions to the mortgage, that is, there are all kinds of unreasonable, then there are now many banks have stopped the process to switch mortgage business, real estate transactions on the secondary impact is relatively large.

胡景辉指出，从金融角度来看，国家在目前的宏观经济政策，银行的二手房贷款需求的主题事项严格比以前的比例贷款和还款期是更严格；的过程中，直接影响了二手房交易抵押贷款，也就是说，有各种各样的不合理的，那么现在有许多银行已停止的进程切换抵押贷款业务，房地产交易的次要影响比较大的。

Chapter 2 Part 3, this paper anatomizes the problems of personal housing purchase mortgage loan's carrying out in the process of conversion of housing distribution system.

阐明了在个人住房分配制度转变过程中研究和发展个人购房抵押贷款的必要性，基本思路和技术方法，以及本文的创新和不足之处。

Bank sources told reporters that the key is in fact now unreasonable categories, personal loans purchase operations at least three risk protection : First, protect property suffered major accidents and natural disasters, the risk of collateral damage to housing property insurance; 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; Now the market is the impact of policies, mostly property insurance, and lack of a man-made object of the life insurance products.

银行有关人士告诉记者，其实现在不合理的关键是险种问题，个人贷款购房业务至少需要三类风险保障：一是主要保障房产遭受意外事故和自然灾害毁损的风险的抵押住房的财产保险；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。。。。。。

Personal loans business buyers will need at least three types of risk protection: First, housing and property mortgage insurance, the protection of property suffered major accidents and natural disasters, the risk of damage; Second Loan the regular credit life insurance, primarily in the loan repayment period, a result of illness or accidental injury and the incapacity or death, to ensure safe recovery of bank loans, loans to family members can continue to live; Third Mortgage purchase a performance bond insurance, mainly in when the guarantor because of death, causes of unemployment can not afford repayment agreement, the insurance companies on behalf of liquidity to banks than debt recovery at the same time exercise the right to receive from the collateral compensation or to the policyholders recover compensation.

个人贷款业务的买家将至少需要三种类型的风险保障：第一，住房和财产抵押贷款保险，保护财产遭受重大事故和自然灾害的风险损害；第二贷款定期信贷人寿保险，主要是在还款期内，因疾病或意外伤害和丧失工作能力或死亡，以确保安全收回银行贷款，贷款的家庭成员可以继续居住；第三按揭购买履约保证保险，主要是在当担保人，因为死亡，失业原因不能还款协议，保险公司的名义向银行流动资金超过债务追偿同时行使有权获得赔偿的抵押品或投保人赔偿。

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。