贷款词汇{Glossary of Loan}

秀气灵人

A-B Acceptance Letter A letter from the applicant indicating his williness to accept the loan after the loan is approved by the banking institution. 接纳信 一封由申请者发出的信件以指示当银行批准了他的贷款， 他会愿意接受该述贷款。

Application Form A form used to apply for loan. 申请表格 用来申请贷款之表格

Appraisal/valuation report A written analysis of the estimated value of real estate prepared by a licensed Valuer/Appraiser 评价/估价报告 由合法估价师对该产业所作出估计以书面分析作为报告。

Base Lending Rate (BLR) Aminimum interest rate calculated by financial institutions based on aformula which takes into account the institutions' cost of funds andother administrative costs 基本贷款利率 由金融机构以方程式计算出来的最低利率， 金融机构的成本费用及其他的管理费用都被计算在内。

[ 本帖最后由 秀气灵人 于 13-9-2007 10:05 PM 编辑 ]

秀气灵人

Commitment Fee
A fee charged by the financial institution for setting aside funding that are not utilised by the borrower. Usually only applicable to overdraft facility.  

委托/承担费用
一种由金融机构所征收的费用以用来设定独立的资金， 但这笔资金不是被贷款者使用的。 通常应用于投资贷款。

Disbursement Fees
Various type of fees such as registration of charge fee, land search fee, bankruptcy search fee incurred by financial institutions and solicitors attending to the loan documentation in relation to the loan which are payable by the borrower.  

各式各样的手续费如注册费， 土地搜寻费， 破产搜寻费等， 这些费用包括了由银行或则律师代表所引发的， 将由贷款者承担支付。

Documentation
A set of agreements, forms, and other documents to be signed in connection with a loan. The documentation will form a full set of records for the loan.  

贷款文件
一套包括了合约， 表格及一些有关文件需由贷款者签署。 这些文件将会形成一套完整的贷款纪录。

Downpayment
An initial payment made by the buyer to the seller of the house.  

首期
一种由买主预付给卖者的付款以用来下定产业。

Financial Institutions
All commercial banks and finance companies licensed under BAFIA 1989 and Islamic banks licensed under the Islamic Banking Act 1983.  

金融机构
指的是所有在Banking and Financial Act (简称BAFIA)1989法令成立的商业银行及那些在回教银行法令1983下成立的回教银行.

Flat Rate
A term used to describe interest that is charged as a fixed percentage of the loan amount throughout the tenure of the loan. The flat repayment amount is usually determined before the commencement of the repayment programme. For example, interest charged on a RM10,000 loan at a flat rate of 10% per annum is RM1,000 annually until the loan is fully settled.  

一致利率
一种用于形容利息的术语， 那是用于在整个贷款期限里从贷款数额征收的固定巴仙率。 这个固定的数额通常在开始供期前就会被确定， 打个比方， RM10，000的贷款将被征收一致的10%年利率即RM 1，000。00一年直到该贷款完全地偿还清了。

Floating Rate Loan
A term used to describe a loan, where the interest charged fluctuates due to the rise and fall of a certain indicator such as the Base Lending Rate.  

移动/漂浮利率贷款
一种用于形容贷款的术语， 说明利息将会随着指示器移动， 可能会起也可能会落， 就好像BLR。

Foreclosure
Legal action available to the financial institution for recovering outstanding sums owed by a borrower who has defaulted on his/her loan. The property pledfed by the borrower to secure the loan is sold and the proceeds of the sale used to settle the outstanding loan amount.

丧失抵押品赎回权
一种由金融机构采取的法律行动用来掩盖由贷款者还没偿还的数额上。 而该抵押的产业以作为保障该贷款的将会被出售， 该出售的价钱将被用来偿还还欠下的余款。

[ 本帖最后由 秀气灵人 于 13-9-2007 09:11 PM 编辑 ]

秀气灵人

        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

秀气灵人

抵押贷款                     mortgage loan　　
抵押购房                     to buy a house on mortgage; to mortgage a house
房屋空置率                  housing vacancy rate　　
安居工程                     Comfortable Housing Project　　
板楼，板式楼              slab-type apartment building
搬迁户                        a relocated unit or household　　
财产税                        property tax;estate(or capital) duty
拆迁补偿费                 compensation for demolition　　
拆迁费用                     removal expense　　
城镇住房公积金          urban housing provident fund
低价住房                    low-cost housing　　
二手房                       second-hand house　　
房产估价师                realestate evaluator　　
房产证                       property ownership certificate
房屋置换                    buy or exchange houses　　
炒房者                       realestate speculator　　
房改                          housing system reform　　
房管                          realestate management
房权证                      property right certificate　　
房产市场                   realestate market
房屋空置率               housing vacancy rate　　
福利分房                   welfare-oriented public housing distribution system
个人购房贷款            individual housing loan　　
公房商品化                commercialization of public housing
集资房                      houses built with funds collected by the buyers
居民住房建设            residential construction　
人均住房                   per-capital housing　　
现房                         complete dapartment (or flat)
期房                         forward delivery housing　　
商品房                     commercial residential building
商品房空置              the vacancy problem in commercial housing
政策性住房              policy-related house, policy-based house
住房补贴                  rental allowance; housing allowance　　
住房分配货币化进程 capitalization process of housing distribution/allocation

秀气灵人

Glossary	Description
Acceptance Letter	A letter from the application indicating his willingness to accept the loan after the loan is approved by the banking institution.
Application Form	A form used to apply for loan.
Appraisal/Valuation Report	A written analysis of the estimated value of real estate prepared by a licensed Valuer/Appraiser.
Base Lending Rate (BLR)	A minimum interest rate calculated by financial institutions based on a formula which takes into account the institutions' cost of funds and other administrative costs.
Commitment Fee	A fee charged by the financial institution for setting aside funding that are not utilised by the borrower. Usually only applicable to overdraft facility.
Default	Failure to pay the monthly instalment/interest payments to financial institutions when due.
Disbursement Fees	Various type of fees such as registration of charge fee, land search fee, bankruptcy search fee incurred by financial institutions and solicitors attending to the loan documentation in relation to the loan which are payable by the borrower.
Documentation	A set of agreements, forms, and other documents to be signed in connection with a loan. The documentation will form a full set of records for the loan.
Downpayment	An initial payment made by the buyer to the seller of the house.
Financial Institutions	All commercial banks and finance companies licensed under BAFIA 1989 and Islamic banks licensed under the Islamic Banking Act 1983.
Flat Rate	A term to describe interest that is charged as a fixed percentage of the loan amount throughout the tenure of the loan. The flat repayment amount is usually determined before the commencement of the repayment programme. For example, interest charged on a RM 10,000 loan at a flat rate of 10% per annum is RM 1,000 annually until the loan is fully settled.
Floating Rate Loan	A term used to describe a loan, where the interest charged fluctuates due to the rise and fall of a certain indicator such as the Base Lending Rate.
Foreclosure	Legal action available to the financial institution for recovering outstanding sums owed by a borrower who has defaulted on his/her loan. The property pledged by the borrower to secure the loan is sold and the proceeds of the sale used to settle the outstanding loan amount.
Graduated Payment	A scheme that allows the borrower the flexibility to pay a lower instalment sum at the beginning of the loan tenure before progressing onto a higher instalment sum as the borrower's purchasing power improves.
Gross Monthly Household Income	The sum of gross monthly pay of all working family members before deducting income tax, Socso, EPF, loan instalment or other deductions plus any additional income from overtime, commissions and other sources.
Guarantor	Person or entity who is legally bound to pay a debt incurred by the borrower if that borrower fails to pay.
Homeowners Insurance	An insurance policy that combines liability coverage for a homeowner together with protection from damages caused by wind, fire, vandalism and other risks.
Interest Rate	The amount charged by the lender to the borrower for borrowing a sum of money expressed as percentage of sum borrowed.
Late Charge	A penalty charged by financial institution for not paying instalment due on time.

[ 本帖最后由 秀气灵人 于 13-9-2007 09:49 PM 编辑 ]

秀气灵人

Letter of Administration	A Grant of representation issued by the High Court to a person to allow him to administer the estate of the deceased who died without a will.
Loan Tenure	Number of years taken to fully repay the loan principal and interest as agreed under a specific repayment programme.
Margin of Financing	The loan amount granted by the financial institution, expressed as a percentage of the value of property pledged to secure the loan.
Mortgage Reducing Term Assurance (MRTA)	A term insurance which reduces over the tenure of the loan. This form of insurance is used to provide cover for the outstanding loan amount, in the event of death or total permanent disability of the insured. MRTA is normally calculated to meet the outstanding loan amount.
Outstanding Loan	Remaining loan not yet paid, including interest and other charges.
Overdraft	A type of credit facility granted to the eligible current account holder. The borrower is allowed to issue cheques exceeding the credit balance in the current account but subject to a certain pre-approved limit granted by the financial institution.
Power of Attorney	A formal legal document giving authority to one person to act on behalf of another person.
Prepayment	Payment of all or part of a loan before maturity.
Prepayment Penalty	A fee charged by financial institutions for early payment of loan in full. The fee charged is usually based on a percentage of the loan amount or X months of interest.
Principal	The amount borrowed from financial institutions, excluding interest and other charges.
Property	Refers to landed properties (like house, apartment, condominium) and land (like bungalow lots).
Refinancing	The process of paying off a portion or the entire amount of the existing loan with the intention of obtaining another loan from the same or another financial institution.
Sale and Purchase Agreement	A written contract signed between the buyer and seller stating amongst others, the terms and conditions under which a property will be sold.
Security	Real or personal property that guarantees the repayment of a loan. The borrower risks losing the property if the loan is not repaid.
Term Loan	A loan which is repaid through regular periodic payments, usually over a period of time, for example 10 years.
Title	A legal document establishing the right of ownership on a property

秀气灵人

詞彙	註解
承兌信	申請人簽發的函件，表明在獲得銀行機構批准之後，接受有關貸款。
申請表格	用於申請貸款的表格。
估價報告	由有執照估價師，估計師對有關產業的大約價格提供的書面分析報告。
基本貸款利率	金融機構根據考慮了機構之基金成本以及其他行政費用的方案而計算的最低利率。
承約費	金融機構徵收的費用，以保留尚未被借款人使用的資金。這一般上實施於透支便利。
違約	期滿時借款人時無法繳付每月分期付款／利息給金融機構。
貸款發放費	各類的費用將由借款人承擔，例如由金融機構產生的債務負擔登記費，土地檢查費，報窮檢查費以及處理貸款文件的律師費用。
文件	與貸款相關的一係列文件，表格以及其他文件。這些文件將構成有關貸款的完整記錄。
首期付款	買方支付給售屋者的首期付款。
金融機構	所有在1989年銀行與金融機構法令下獲得執照的商業銀行與金融公司，以及在1983年回教銀行法令下獲得執照的回教銀行。
固定利率	這是於整個貸款期間對貸款額徵收的固定利率。一般上在還款計劃開始之前，即已確定固定的還款額。舉例說，年利為10%固定利率的價值1萬令吉的貸款，每年的利息則是1000令吉，直至貸款完全清還為止。
浮息利率貸款	這是根據部份指標，例如基本貸款利率的漲落，而以浮動方式徵收利息的貸款。
取消贖取抵押品的權利	金融機構採取的法律行動，以追索回違約借款人尚欠的貸款。由借款人抵押以獲得貸款的產業將會被脫售而脫售產業的所得將用於繳清尚欠的貸款額。
漸進式付款	在借款人的購買能力提高，有能力繳付更高的分期付款之前，這項計劃可證借款人在貸款的初期，伸縮性繳付較低的分期付款。
每月家庭的總收入	這是一個家庭裡所有有工作之成員，在未扣除所得稅、社會保險機構、僱員公積金、貸款分期付款或其他的扣項之前的收入再加上加班，佣金以及其他來源的額外收入。
擔保人	如果借款人無法償還款項，在法律上必須負責支付由借款人產生之債務的人士或機構。
業主保險	為業主提供，結合了負債保障以及因風災、火災、破壞行動以及其他風險而導致之損壞的保險保單。
延遲罰款	一旦分期付款逾期未付，金融機構徵收的罰款。

秀气灵人

遺產管理證書	由高等法庭發出給一方的不動產轉讓授權代理書，以讓有關人士管理沒有訂立遺囑之死者的產業。
貸款期限	在特定同意的還款計劃下，完全繳還貸款本金及利息的年份數目。
融費額	金融機構根據用作抵押以獲得貸款之產業價值的百分比給予的貸款額。
抵押遞減定期保險	在整個貸款期間逐步減少的定期保險。這是一旦受保人不幸死亡或終身殘障，可用以保障尚欠的貸款額的保險。抵押遞定期保險一般上是根據尚欠之貸款額而計算。
尚欠貸款	剩餘尚未繳還的貸款，包括利息及其他費用在內。
透支	給予符合資格之來往戶口持有人的信貸便利。借款人獲允許開具超過於其來往戶口信貸結存的支票，惟受制於金融機構給予的部份預先批准限額。
授權書	給予一方授權委任，以代表另一方行事的正式法律文件。
預先付款	在期滿前繳付全部或部份的貸款。
預先付款罰款	金融機構對提前繳清貸款徵收的費用。有關徵收的費用一般上是根據貸款額的百分比或'X'個月份的利率計算。
本金	這是同金融機構借貸，不包括利率及其他收費在內的數額。
產業	指有地產業（例如房屋、公寓、共管公寓）以及土地（例如平房單位）。
再融資	繳清現有貸款的一部份或全部。目的在於向相同或另一家金融機構獲取另一項貸款。
買賣合約	買方與賣方簽署的書面合約，包含了將售賣之產業的條款與條件。
抵押保障	擔保繳還貸款的實業或個人產業保障。如果貸款沒有清還，借款人需承擔失去有關產業的風險。
定期貸款	通過定期付款繳還的貸款，一般上是一個固定的期間，例如10年。
地契	構成產業擁有權的法定文件。

秀气灵人

整整画了两天时间翻译， 竟然在网上找到现成的翻译。真是笑死人了！ 多次一举！

好帖，
帮你顶一下

pointlim

凡走过，比有脚印。

hsian

谢谢。 让我收获不少

cellowei

好帖～版主要加油加油！

加力仔＿FIPF

顶顶顶顶一下

beyondkc1984

谢谢版主～

好好小女孩

版主，你好厉害，谢谢你。

好好小女孩

版主，我开了粘贴，关于律师费和估价费的问题的，可是没回应，版主可以帮忙解答一下吗。。。

Esther7

谢谢版主～

hill

谢谢~~楼主

打工仔仔

谢谢。。。楼主