银行贷款英语词汇.doc

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银行贷款英语词汇A摊还 (Amortisation)定期支付未偿还债务的本金和利息，有别于只付利息的还款。摊还期限 (Amortisation period)清还贷款所需的时间，以楼宇按揭贷款为例，一般最长可摊分 25 年。年利率 (Annual Percentage Rate (APR)是衡量借款成本的尺度，把贷款利息及其它所有费用相加，以年率表示。资产 (Assets)您所拥有的物业、现金、股票等有价值的财产。C资本增值 (Capital gain)出售资产所得收入，减除成本后所得的利润。D首期 (Down payment)购买物业，分期付款开始之前需要先付出的现款。支取 (Drawdown)获得银行贷款的最后步骤，通常是由银行把贷款直接存入您的账户。E资产净值 (Equity)资产变现可获金额，扣除以该资产作抵押的负债所得的净额。F定息贷款 (Fixed rate loan)有固定还款期和固定利率的贷款，这种贷款的利率不受市场利率波动的影响。G担保人 (Guarantor)担保贷款人一定能全数偿还贷款的人士，通常是贷款人的亲友。I利息 (Interest)放款人借出款项而收取的费用。L负债 (Liabilities)任何未偿还的债务。还款能力 (Loan repayment capacity)以每月还款额，附以您的总收入，以百分比显示的比率。贷款与估值比率 (Loan to valuation ratio)将贷款额除以银行对您拥有的资产的估值所得出的百分比。P本金 (Principal)贷款额或尚未偿还的欠款。S抵押品 (Security)为保证偿还贷款而抵押给银行的资产。T年期 (Term/Tenure)贷款的还款期限。U可供自由运用的每月收入 (Uncommitted monthly income)您每月的总收入在扣除每月还款及其它开销后，尚余可供运用的现金Banks provide most of the credit our economy needs by making loans to enterprises, individuals and governments. Banks also accept discount on promissory notes, witch is another form of bank loan. In some developed countries and regions, the discount of many kinds of notes including commercial bills of exchange, bank cashiers checks and government notes has become one of the important instrument of short-term financing and bank loan making.银行通过向企业、个人和政府发放贷款，提供我国国民经济所需的大部分信贷资金。银行也办理票据贴现业务，这是银行贷款的另一种形式。在一些发达国家和地区，许多不同类型的票据，包括商业汇票、银行本票及政府票据的贴现已经成为短期融资和银行发放贷款的重要工具之一。The interest that borrowers pay for their loans or for their notes discounted forms the major source of banks income. Lending money is, therefore, banks main business. Where does the money loaned come from? It belongs to the banks depositors.借款人支付贷款或贴现票据的利息形成了银行主要收入的来源。所以，贷放资金是银行的主要业务。那么，银行贷款的资金是从哪里来的呢？它属于银行存款人的。A bank must always keep enough cash on hand to pay its withdrawals. But it is unlikely that all depositors of a bank would withdraw their money at the same time. Also, while some are making withdrawals, others are making deposits. The money deposited each day is usually more than enough to cover all withdrawals. This means that a bank needs to keep on hand only a small portion of its total deposits. The rest can be used to make loans or accept discount. In this way, banks keep the circulation of money to meet the needs of our economy.一家银行必须持有充足的资金头寸，以备提款。但是，银行所有的存款户在同一时间内提取存款，这是不大可能的。一些人取款，而另一些人则存款，每天存入的金额往往足以支付提取的金额。这就是说，一家银行只需持有存款总额中的一小部分，剩余的资金可用于发放贷款或办理票据贴现。这样，银行使货币保持流通，以满足我国国民经济的需要。汇丰银行贷款词汇摊还 (Amortisation)定期支付未偿还债务的本金和利息，有别于只付利息的还款。摊还期限 (Amortisation period)清还贷款所需的时间，以楼宇按揭贷款为例，一般最长可摊分 25 年。年利率 (Annual Percentage Rate (APR)是衡量借款成本的尺度，把贷款利息及其它所有费用相加，以年率表示。资产 (Assets)您所拥有的物业、现金、股票等有价值的财产。C资本增值 (Capital gain)出售资产所得收入，减除成本后所得的利润。D首期 (Down payment)购买物业，分期付款开始之前需要先付出的现款。支取 (Drawdown)获得银行贷款的最后步骤，通常是由银行把贷款直接存入您的账户。E资产净值 (Equity)资产变现可获金额，扣除以该资产作抵押的负债所得的净额。F定息贷款 (Fixed rate loan)有固定还款期和固定利率的贷款，这种贷款的利率不受市场利率波动的影响。G担保人 (Guarantor)担保贷款人一定能全数偿还贷款的人士，通常是贷款人的亲友。I利息 (Interest)放款人借出款项而收取的费用。L负债 (Liabilities)任何未偿还的债务。还款能力 (Loan repayment capacity)以每月还款额，附以您的总收入，以百分比显示的比率。贷款与估值比率 (Loan to valuation ratio)将贷款额除以银行对您拥有的资产的估值所得出的百分比。P本金 (Principal)贷款额或尚未偿还的欠款。S抵押品 (Security)为保证偿还贷款而抵押给银行的资产。T年期 (Term/Tenure)贷款的还款期限。U可供自由运用的每月收入 (Uncommitted monthly income)您每月的总收入在扣除每月还款及其它开销后，尚余可供运用的现金A： Hello, Sir, may I help you? 你好，先生，您需要什么服务？B： Yes. I would like some information for requesting a loan. 我想了解些申请贷款的信息。A： Very well, here are the general terms of our loan policies. We pride ourselves in having the lowest interest rate in the country for personal loans. 好的，这是贷款政策的基本条款。全国范围内我们银行的个人贷款利率是最低的。B： I see. So let me get this straight. If I borrow lets say, ten thousand dollars, how much will I have to pay each month?我明白。那我就直说吧，如果我借1万美元，每个月我应该还多少钱？A： It depends on how long you take to pay it back. If we lend you ten thousand dollars at an annual interest rate of ten percent for forty eight months, you would have to pay each month a portion of the loan which is called the principal and another small portion of the annual interest rate. This of course is considering that you dont default on a payment! 主要取决于你还款的时间。如果我们以年利率百分之十贷款1万美元给你，为期48个月，你每月必须还一部分叫做基本额度，还有一小部分年利率。这当然是在不考虑您拖欠还款的请款下计算的B： It sounds good but, there is just one problem. I have a terrible credit score.听起来不错，但是还有个问题，我信用评分很差.A： That is a very serious problem you see, the bank must assess your personal information, past loans, assets and any other relevant information such as your credit score in order to approve your loan. 那是个严重的问题，银行必须评估你的个人信息，过去贷款记录，财产和其他相关信息，比如准许你贷款的信用评分。B： You know what? I dont really need the money. Thanks anyways! 你知道吗？我不真的很急需钱，无论如何，谢谢你。吉姆What should I do if I want to apply for an auto loan? 我想贷款买车的话，该怎么办？ 银行职员Please fill out the house mortgage application first. 请先办理房产抵押手续。 吉姆Whats the interest rate for the loan, please? 那现在的贷款利息是多少？ 银行职员7.2%. 7.2%。 吉姆How long is the length of the loan? 贷款期限呢？ 银行职员Three years. 三年。 吉姆Thanks. Personal auto loan is the RAM guarantee loan granted by bank to the borrower who applies for purchase of auto, featuring simple transaction procedure, various guarantee forms and high loan line, etc. Personal auto loan will help you realize your auto purchase dream and fully improve your life quality. If the guarantee is made by means of hypothecation, or the bank or the insurance company assumes the joint and several liability, the loan line shall be no more than 80% of auto funds; If the guarantee is made by means of pledge of the auto or other properties, the loan line shall be no more than 70% of auto funds; If the guarantee is made by the third party （except the bank and the insurance company）, the loan line shall be no more than 60% of auto funds. The loan usually lasts 3 years and no longer than 5 years.The loan interest rate is implemented in accordance with the loan interest rate stipulated by the Peoples Bank of China for the corresponding period. If the loan term is shorter than 1 year, the contract interest rate will be implemented; If the loan term is longer than 1 year, it will be counted on grades and the regulation of legal interest rate will start from the beginning of next year, and the new interest rate shall be implemented in accordance with corresponding interest rate.个人汽车消费贷款是银行向申请购买汽车的借款人发放的人民币担保贷款。具有办理手续简便快捷、担保形式多样、贷款额度高等特点。个人汽车消费贷款助您实现购车梦想，全面提高生活品质。 以质押方式担保的，或银行、保险公司提供连带责任保证的，贷款最高额可达到购车款的80%； 以所购车辆或其他财产抵押担保的，贷款最高额可达到购车款的70%；以第三方（银行、保险公司除外）保证方式担保的，贷款最高额可达到购车款的60%。 汽车消费贷款一般为3年，最长不超过5年（含）。汽车消费贷款按照中国人民银行规定的同期贷款利率计算。在贷款期间如遇利率调整时，贷款期限在1年（含）以下的，按合同利率计算；贷款期间在1年以上的，实行分段计算，于下一年年初开始，按相应利率档次执行新的利率。房地产按揭英语对话ENGLISHTALKABOUT BANK MORTGAGE LOAN陈先生想申请银行按揭。在物业代理王先生的推荐上，他来到银行咨询按揭手续。A: Good morning. Let me introduce you to Mr. Chen.He would like to ask you details about mortgage loans.早上好！让我介绍一下，这是陈先生。他想咨询有关银行按揭的详细内容。C: Good morning, Mr. Chen. Ive known Mr. Wang for many years.He is a very helpful agent.早上好，陈先生。我认识王先生很多年了。他是一个热心的物业代理。B: Yes, he is. Mr. Wang has given some good advice thathas helped us buy this apartment at such a reasonable price.是的。王先生给了我们很多建议，帮我们买到价钱这么合理的房子。A: Sam, Mr. Chen has recently bought a flat in Tai Koo Shing.I recommended that they apply for a mortgage loan at your bank.山姆，陈先生最近在太古城买了套房子。我建议他们到你们的银行申请按揭。C: Thank you. We can start by you giving me the informationon your property.谢谢。首先请给我介绍一下你买的房子。A: Sam, this is the Preliminary Sale and Purchase Agreement.The selling price of the flat is four point two millionHK dollars. He would like to apply for a mortgage loanrepresenting 70% of the purchase price.山姆，这是临时买卖合约。成交价是四百二十万港币。他希望申请七成银行按揭。B: I would like to know the different kinds of home investmentplans your bank offers.我希望知道有多少种银行按揭方法可也选择。C: Sure, Mr. Chen. Our banks minimum mortgage rate is 8.25% toany applicant with a monthly income of over seventy thousanddollars.好的，陈先生。本银行可以向任何月收入超过七万块的客户提供八厘二五的最优惠按揭利率。B: Im afraid Im not eligible for this plan. Here is my salarytax form from 2004 to 2005.恐怕我不合乎这个条款。这是我零四到零五年的税单。C: Do you have any other bank mortgage loans?你有没有其他银行按揭贷款?B: No, I dont. The apartment we are living in now is fullypaid up.我没有任何贷款，我现在住的房子已经供完了。C: I see. Please give me ten minutes to calculate the interestfor you.我明白了。请给我十分钟来计算利率。(After 10 minutes.)（十分钟后。）C: Mr. Chen, our bank will offer you a 10.25% interest rate.Attached is a repayment table for your reference.陈先生，银行会为你提供十厘二五的按揭利率。这是一份按揭还款表，供您参考。B: Thank you. How long do you need for approval of my loan?谢谢，需要多长时间批准我的按揭申请呢?C: Usually it takes two days to approve your applicationand then we will issue a Conditional Letter of Offer and notifyyour solicitor to prepare the mortgage document in about two weeks.通常需要两天的时间核实申请，然后在两周内我们会发出一份附带条件的按揭批准通知书给你，并通知你的律师准备按揭按材料。B: Thank you for your time. I have to discuss this with my wife,and then bring the relevant document to you. Thank you, Mr. Wang.I will get back to you.谢谢你的帮忙。我必须与太太商量一下，然后我会带有关资料给你。谢谢你王先生，我会跟你联络的。A: Thank you, Mr. Chen and thank you. Sam.谢谢你，陈先生。谢谢你山姆。C: Youre welcome.不客气。 羇袇莀莆薄罿膃节薃肁荿薁薂螁膂薇薁羃蒇蒃薀肆芀荿薀膈肃蚈蕿袈芈薄薈羀肁蒀蚇肂