金融英语:贷款相关词汇详解& [" j# f) w4 O
Fixed Rate Loan/ |/ m. C! n; n8 ~% ]# `
A loan in which the interest rate will remain the same during the term of the loan or specified period.4 d, n" M0 G2 ]1 B7 s# q% t* U
Borrowing Limit
. Z/ {' A& s8 [0 @1 k6 L: b The maximum amount a bank is willing to loan a borrower.* k) R% X9 y5 d! I; u' r
Variable Rate Loan
( W% F- B [" }; ^$ Z A loan in which the interest rate is adjusted periodically during the term of the loan based on a pre-selected index and time adjustment.
$ h) I7 W) \' }! D Guarantee- J* M, q9 K" c2 b: e9 m
To accept responsibility for repayment obligations under a loan contract if the borrower is unable to meet the loan obligations.
' I6 e4 {. `, |/ L1 H5 X" \ Security
. F; p9 C2 w- N0 N j/ k Assets pledged by a borrower to secure a loan or other credit, and subject to seizure in the event of default.: J5 {$ S, G& U* A# j* Y7 z
Credit Standing Certificate
% b \! A9 x; [ A record of a customer's past borrowing and repaying behavior. It will also show credit lines currently in the customer's name.
- g5 M* D2 a, F+ P Interest Offset Account6 z6 z- a: O7 o ?' _2 ^; y% W
A savings account attached to the loan earning the same interest rate as the loan. Any funds in the account reduce the loan interest paid.% U0 q; l$ M: h. ?
MortgageA loan to finance the purchase of real estate, usually with specified payment periods and interest rates.# \5 o( V3 u2 O7 o; S
固定利率贷款& M/ B4 E3 T# o: h( |; q( }2 D4 Q5 e l% v
在贷款期间或确定期间利率保持不变的贷款。1 M8 c1 @- v5 y' M7 E2 d
借款额度
$ N F' o: @6 {& V( a# ^) c 银行愿意贷款给借方的上限。
$ S6 {5 C& x3 _% F% d' N' j9 J% | 可变利率贷款6 ~4 i1 s0 ^% \: C5 J
利率在贷款期间按照预先确定的指标和时间不时调整的贷款。* a9 F9 f# k% W* D
保证% K" |6 X* o* m' @0 C. Y; \$ Z E
如果借方不能履行还款义务,保证承担贷款合同下的还款义务。
/ ~ b" I7 g: H 担保
% n, o. P; L8 K( ^ 借方用来担保贷款或其他信贷的资产赔偿。
# Y- {" C# n& |1 J: W- `1 h 资信证明0 |3 l# c, y. j# J9 z
客户以往借贷和还款行为的记录。它还显示目前客户的信用级别。/ n; h( o- u3 K& Q) ^$ a0 C4 c
利息抵消账户
/ F. C7 \1 T6 C( t) j, H 附于贷款的储蓄账户,其利率与贷款利率相同。该账户中的资金将减少应付贷款利息。5 i8 R' a( `7 s0 k- }- E& ?. w6 v
按揭
7 Y( q2 E: G# o' [7 i7 W, m) D: D 用于提供房地产买卖融资的贷款,通常有确定的还贷期间和利率。 |