Fixed Rate Loan
A loan in which the interest rate will remain the same during the term of the loan or specified period.
Borrowing Limit
The maximum amount a bank is willing to loan a borrower.
Variable Rate Loan
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.
Guarantee
To accept responsibility for repayment obligations under a loan contract if the borrower is unable to meet the loan obligations.
Security
Assets pledged by a borrower to secure a loan or other credit, and subject to seizure in the event of default.
Credit Standing Certificate
A record of a customer's past borrowing and repaying behavior. It will also show credit lines currently in the customer's name.
Interest Offset Account
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.
MortgageA loan to finance the purchase of real estate, usually with specified payment periods and interest rates.
固定利率貸款
在貸款期間或確定期間利率保持不變的貸款。
借款額度
銀行愿意貸款給借方的上限。
可變利率貸款
利率在貸款期間按照預(yù)先確定的指標(biāo)和時(shí)間不時(shí)調(diào)整的貸款。
保證
如果借方不能履行還款義務(wù)，保證承擔(dān)貸款合同下的還款義務(wù)。
擔(dān)保
借方用來擔(dān)保貸款或其他信貸的資產(chǎn)，銀行在違約時(shí)可以就這些資產(chǎn)變現(xiàn)所得價(jià)款優(yōu)先受償。
資信證明
客戶以往借貸和還款行為的記錄。它還顯示目前客戶的信用級別。
利息抵消賬戶
附于貸款的儲(chǔ)蓄賬戶，其利率與貸款利率相同。該賬戶中的資金將減少應(yīng)付貸款利息。
按揭
用于提供房地產(chǎn)買賣融資的貸款，通常有確定的還貸期間和利率。
A loan in which the interest rate will remain the same during the term of the loan or specified period.
Borrowing Limit
The maximum amount a bank is willing to loan a borrower.
Variable Rate Loan
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.
Guarantee
To accept responsibility for repayment obligations under a loan contract if the borrower is unable to meet the loan obligations.
Security
Assets pledged by a borrower to secure a loan or other credit, and subject to seizure in the event of default.
Credit Standing Certificate
A record of a customer's past borrowing and repaying behavior. It will also show credit lines currently in the customer's name.
Interest Offset Account
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.
MortgageA loan to finance the purchase of real estate, usually with specified payment periods and interest rates.
固定利率貸款
在貸款期間或確定期間利率保持不變的貸款。
借款額度
銀行愿意貸款給借方的上限。
可變利率貸款
利率在貸款期間按照預(yù)先確定的指標(biāo)和時(shí)間不時(shí)調(diào)整的貸款。
保證
如果借方不能履行還款義務(wù)，保證承擔(dān)貸款合同下的還款義務(wù)。
擔(dān)保
借方用來擔(dān)保貸款或其他信貸的資產(chǎn)，銀行在違約時(shí)可以就這些資產(chǎn)變現(xiàn)所得價(jià)款優(yōu)先受償。
資信證明
客戶以往借貸和還款行為的記錄。它還顯示目前客戶的信用級別。
利息抵消賬戶
附于貸款的儲(chǔ)蓄賬戶，其利率與貸款利率相同。該賬戶中的資金將減少應(yīng)付貸款利息。
按揭
用于提供房地產(chǎn)買賣融資的貸款，通常有確定的還貸期間和利率。