金融英语:贷款相关词汇详解
) t7 z9 p& M) A Fixed Rate Loan6 @: u) l8 i3 D' p- O1 q
A loan in which the interest rate will remain the same during the term of the loan or specified period.
q- |5 Q8 l# O6 y" w( I Borrowing Limit
( ~4 w! T+ J% R; e! H0 Q The maximum amount a bank is willing to loan a borrower.
7 P) b+ {. N! C q! y Variable Rate Loan- K! J5 M: L' j1 w: J8 U6 M
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.
# ~% g; B/ N6 z2 I Guarantee
6 }( s. L' i1 ]4 l9 T To accept responsibility for repayment obligations under a loan contract if the borrower is unable to meet the loan obligations.
8 R* h% M( s' s% X+ V7 I Security
/ ]) T! [0 O1 J3 c* D( x c+ C. I Assets pledged by a borrower to secure a loan or other credit, and subject to seizure in the event of default.
) U" W, b3 E, Q* ^ Credit Standing Certificate" ~ X7 c6 _. J# g9 x; ]
A record of a customer's past borrowing and repaying behavior. It will also show credit lines currently in the customer's name.
# [% x6 k1 w2 ~( s Interest Offset Account" e/ ^( t4 r% R, j8 F
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.! u8 j$ C+ k) F7 U. L
MortgageA loan to finance the purchase of real estate, usually with specified payment periods and interest rates.0 u, Q( X! C) G* X& q
固定利率贷款5 M, V6 h; [1 c4 d
在贷款期间或确定期间利率保持不变的贷款。
" t# Z" v- w1 ~ 借款额度9 r, S- o9 V8 K) o8 h
银行愿意贷款给借方的上限。
# ?' L4 y& I3 `" i$ ? 可变利率贷款5 A( ?& [& u( L0 `) c6 v
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。
* ~9 e4 F* u0 g: h& _5 v 保证3 o6 t; ~$ \7 d
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。2 ^4 _ v) c* O9 ^* l3 N' E# ]
担保4 r; f3 X+ K. n2 U0 D6 V2 Y, Y1 `
借方用来担保贷款或其他信贷的资产赔偿。
4 j& q% d+ j1 Y8 u) u 资信证明
- e3 m& h1 B3 m; h! 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。
# g- h9 h# {4 w7 A8 Z5 `, \ 利息抵消账户6 b6 l3 S. f. Z' x* 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。' G* m5 z- q/ M
按揭3 a5 ?4 c0 O$ I3 p' n* k5 q
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。 |