Glossary entry

English英语 term or phrase:

home equity loans

Chinese汉语 translation:

房屋净值贷款

Sep 23, 2004 04:45
20 yrs ago
English英语 term

home equity loans

English英语译成Chinese汉语 商务/金融 金融(普通)
Critics complain that the credit unions' push into commercial loans and other financial services warps their historic mission of facilitating small personal loans and savings among a limited group of affiliated members. Offered to many of today's 84 million members are credit cards, mortgages, home equity loans, business lending, checking accounts, use of global ATM networks, and even access to mutual funds, insurance, and other financial services--not to mention low-cost auto and personal loans and federally insured savings accounts that typically pay more than at banks.

Proposed translations

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10分钟
Selected

房屋净值贷款

房屋净值贷款
Peer comment(s):

agree Andreas Yan
3小时
agree Lu Zou
3小时
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+1
1小时

房屋淨值貸款(Equity Loan)

房屋淨值信用額
房屋貸款與及房屋淨值貸款(Equity Loan),大家可能聽過,但原來尚有一種利用房屋淨值的工具,稱為房屋淨值信用額;對於某一些可能短期內需要動用現金的業主,可算是一種相當方便的工具。

房屋淨值信用額,就是利用房屋淨值作為抵押,由銀行給予一個信用額(Credit Line),業主是可以隨時利用支票或信用咭來借錢,也可以隨時歸還,用完又可以再用,有關利息只是在使用時才計算。

這種信用額利息,大部份是浮動的,即在某一個基本利率上,再加上一個差額(Spread)。通常基本利率是Prime Rate,而差額一般是 1%至2%左右。即目前用六至七釐之間的利率,就可以借到款項。一些銀行每年會收取一項年費,此外,便沒有其他費用。

大家在使用房屋淨值信用額前,都應該比較不同銀行的產品,除了留意利率、年費外,更要問清楚多久要還清貸款,信用額有效期多長,有效期屆滿後是否重新繼續(Renew)。開始信用額的時候,有否規定立刻要借某一個基本金額,利率下跌時,信用額的利率多久才下跌等問題,作為考慮及比較。

Peer comment(s):

agree Andreas Yan
2小时
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