银行按揭贷款

你有没有其他银行按揭贷款？

C : Do you have any other bank mortgage loans ?

办理了银行按揭贷款手续；

Complete the procedure of getting a mortgage loan from the bank ?

他们会为你解答有关交易手续及银行按揭贷款的问题。

They will answer all the mortgage and legal questions you may have .

同时，我们需要了解银行按揭贷款安排。

Also , we must talk to the bank for the mortgage arrangement .

金融安全来自于对制度的信任，需要从制度上完善对商业银行按揭贷款风险的防范。

Since the financial security was arising from the trust towards the systems , optimizing the commercial bank mortgage loan risk prevention systematically was needed .

综上所述，以当前经济形势为背景，以当前各种经济现象为依据，研究商业银行按揭贷款风险是极其必要的。

In summary , the current economic situation as the background to the current range of economic phenomena based on the risk of mortgage loans in commercial banks is extremely necessary .

对银行收取按揭贷款买房人提前还贷违约金所持的理由进行驳斥，认为贷款人提前还贷的行为符合《合同法》关于借款合同的规定，也不违背国际上的通行作法；

The paper has a refutation to the reasons held by the banks that collect the penalties which are paid by the housing-consumers with the mortgage loans repaying loans ahead of time .

在这个市场上，投资银行将按揭贷款、汽车贷款、企业债券和其它许多类型的债券一次次地打包和再打包，然后出售给各种投资者从养老金、保险集团，到对冲基金和银行的交易部门。

In this world , mortgages , car loans , corporate bonds and many other types of debt are packaged and repackaged by investment banks and sold on to all sorts of investors , from pension funds and insurance groups to hedge funds and bank trading desks .

在简述G银行个人住房按揭贷款业务开展情况和风险管理现状后，通过介绍G银行当前具有代表意义的典型违约案例，全面展现个人住房按揭贷款的风险。

After brief description of the development and risk management of personal housing mortgage loan operation of G Bank , Chapter One reveals the risk factors in personal housing mortgage loan business by demonstration of some real irregular cases in G Bank .

银行对个人按揭贷款有严格的规定。

Banks have strict regulations when granting mortgage loans to individuals .

因此，国内银行对住房按揭贷款的市场竞争非常激烈。

Therefore , the domestic banks for housing mortgage loans in a very competitive market .

本章主要介绍我国商业银行个人住房按揭贷款市场现状及业务特点，然后详细分析了借款人提前还款的决策。

This chapter introduces the situation and business characteristics in commercial bank individual housing mortgage market of our country .

美国次贷危机根源是银行次级住房按揭贷款的高违约率。

The root causes of sub-loan crisis in the United States was high default rate of sub-housing mortgage loan .

与此同时，商业银行商品房按揭贷款的不良贷款率和违约率不断上升。

Meanwhile , the non-performing loan and default rate in Commercial banks for commercial housing mortgage loan keep rising .

读者当然都熟识金管局对银行在住宅按揭贷款所承受的风险的立场，我们更得到银行界的全力支持。

Readers are of course familiar with our stance , fully supported by the banks , on the extent of risk that banks should assume in residential mortgage lending .

近年来，商业银行商品房按揭贷款的不良贷款率和违约率不断上升，银行起诉客户房贷违约的案件，也从过去的零星案件发展成为经常。

In recent years , non-performing loans ratio and default rates of commercial banks in the mortgage loans are rising constantly . The cases of banks charged customers ' defaults also become regular .

创新是内资银行改善住房按揭贷款市场竞争环境的有效方法，但目前它受到来自宏观政策释放不充分以及微观条件不成熟的严重限制。

Innovation is the effective way for domestic bank which can improve the personal housing mortgage loan environment of competition , but now it is subjected to insufficient macro-policy and immature microcosmic conditions .

最后，分析了楼花按揭所牵涉的各个法律关系，认为真正的楼花按揭法律关系只是购房人与银行之间的按揭贷款关系，按揭当事人只有购房人（按揭人）与银行。

Thirdly , on the basis of analyzing the legal nexus that is involved , the paper points out that the legal nexus of the mortgage is just between the mortgagor and the mortgagee .

联邦住宅管理局（FederalHousingAdministration）可能关门，让银行很难发放按揭贷款。

The banks are having a hard time writing mortgages due to the partial closure of the Federal Housing Administration .

第二章介绍了东亚银行大连分行个人按揭贷款的授信现状。

The second chapter introduces the current credit status of personal mortgage loan in BEA Dalian Branch .

透过贷款银行要求借款人减少按揭贷款金额，并取消保险。

Require the borrower through the lending bank to reduce the size of the mortgage and cancel the insurance .

银行通常认为，按揭贷款以房产作抵押，因此风险较低。

Traditionally , the mortgage loans are considered to be safe and low risky as the estates secure them .

我开始和银行商谈我的按揭贷款，最后电话那端有个人建议我拖欠还款。

I began to negotiate with the bank about my mortgage , and eventually a man at the end of a phone advised me to default on my repayments .

在这种情况下，英国政府如今计划向银行提供若干新措施，主要包括可以限制银行按揭等贷款损失的类似保险的措施。

K.government now plans to offer banks a number of new measures , featuring a kind of insurance that would limit their losses on mortgage and other loans .

在目前的息率环境及银行同业市场流动资金充裕的情况下，银行新造住宅按揭贷款的盈利似乎仍算不错。

Looking at the profitability of new residential mortgage loans , the banks still seem to be doing all right in the prevailing interest rate environment with ample interbank liquidity .

考虑到我国资本市场的发展，银行监管放松管制的浪潮和按揭市场的初步扩展，应用证券化技术来处理银行的按揭贷款是可行的，目的是增强此类资产的流动性。

Concerning the evolution of China 's capital markets , the deregulation tide of banking supervision and the preliminary expansion of the mortgage market , it is possible to employ the securitisation technique for the mortgage loans of banks in order to increase the liquidity of the assets .