金融英语:贷款相关词汇详解
7 h; D# `$ S% u& }3 |# }# C" S" d5 k Fixed Rate Loan
8 l: R f2 u! x9 B A loan in which the interest rate will remain the same during the term of the loan or specified period.
) U# k3 Z6 g% H7 o Borrowing Limit; {" P& F) J8 f+ X9 L, y
The maximum amount a bank is willing to loan a borrower.
% ^! q& G" G; q2 a. L! H8 D Variable Rate Loan
2 O$ }0 u* }2 t 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.
4 C! o, Q( X4 t. g* Y+ G- r" ] Guarantee
f7 j0 e' v. l/ ^3 j5 x1 Q5 k To accept responsibility for repayment obligations under a loan contract if the borrower is unable to meet the loan obligations.
) G" Y' d9 I: B; s0 c1 l Security
8 t8 ~. m% A1 z4 W5 h4 _. } Assets pledged by a borrower to secure a loan or other credit, and subject to seizure in the event of default.
9 S+ Y6 B" n0 M1 H9 q* ] M) K( f2 ^ Credit Standing Certificate$ l/ Q8 K3 U& d- {
A record of a customer's past borrowing and repaying behavior. It will also show credit lines currently in the customer's name.
7 ?! Z; \$ g% v/ s2 l Interest Offset Account
% m" X+ M9 B+ }" Y: _& o! z 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.8 L Y+ i0 r3 E# ^* J
MortgageA loan to finance the purchase of real estate, usually with specified payment periods and interest rates.* R: k- L+ `. n. [
固定利率贷款
* ^/ \* ^8 ?: g 在贷款期间或确定期间利率保持不变的贷款。% `$ {. P6 Y$ `4 t
借款额度# e3 m5 q" R% R* o8 f2 f2 n
银行愿意贷款给借方的上限。3 d! D0 l$ T- c/ d) _# x
可变利率贷款
N) J+ o$ T5 U 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。
/ ^/ P$ p! t! |. i- q& s 保证
$ e& z% T4 \: I 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。
. r u2 W" y" i7 P4 i: m 担保
& X ^1 L6 S: Z 借方用来担保贷款或其他信贷的资产赔偿。* q5 T, a8 f; Y
资信证明
# m0 O" B. Z- k! v 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。4 {' v+ ^0 u9 C
利息抵消账户& A$ g, |7 s1 G3 m2 {9 J4 M
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。
) E, ^, D1 \9 Q8 m. H# V& u 按揭
- R- s! B2 q! H 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。 |