抵押借贷公司已经为购房、购车人提供固定和浮动利率贷款几十年了。
For people buyinga house or a car, mortgage, lenders have offered fixed-rate and variable loansfor decades.
本文以浮动利率贷款和固定利率贷款为例研究了国内第一个贷款转让权力的定价问题；
This paper studies the pricing of the first loan transferring right in China with the example of the transferring between floating rate loan and fixed rate loan.
你可是以9.5%的浮动利率贷款，而且还要与本国最危险的人，特别对狐狸而言，做邻居。
You're borrowing at 9.5% with no fixed rate, plus moving into the most dangerous neighborhood in the country for some of your type of species.
一位组织者达蒙·丹尼尔说，虽然有些申请人的贷款已经从浮动利率转为固定利率，但是16位申请人都没能减少本金。
Damon Daniel, an organiser, says none of the 16 who applied got a write-down, though some might have their mortgages converted from an adjustable to a fixed interest rate.
在危机发生之前，约有一半的抵押贷款按浮动利率；到去年年底，这一比例已经升至69%。
Before the crisis, around half of mortgages were at variable interest rates; by the end of last year, the share had risen to 69%.
这项计划还寻求把尽可能多的浮动利率次级抵押贷款借款人转向更能承受的贷款。
The plan would also seek to switch as many borrowers as possible with subprime adjustable rate mortgages into more sustainable loans.
这些国家的抵押贷款率逐渐采取浮动利率，然而，德国和法国的通常是固定不变的。
Mortgages are generally variable-rate in these countries, whereas they are fixed as a rule in Germany and France.
但这里有两个例外令人不无担忧：爱尔兰和西班牙是本区内房价被高估程度最高的地区；更糟的是，其抵押贷款按浮动利率计算。
But there are two worrying exceptions. In Ireland and Spain home prices are the most overvalued in the zone; worse, the bulk of mortgages are at variable rates.
英国人比美国人更有可能实行浮动抵押贷款利率，因此他们就会从急剧下降的短期利率中大量获利。
Britons are much more likely to have variable-rate mortgages than Americans, so they have benefited more extensively from the sharp fall in short-term interest rates.
西班牙的银行业亦卷入葡萄牙的危机，由于多数住房抵押贷款系浮动利率，因而加息极易使葡萄牙经济受创。
Spain’s banks are exposed to Portugal; the Spanish economy is vulnerable to rising interest rates because most household mortgages are variable-rate.
爱尔兰要偿付的贷款利率在5.7%和6.05%之间浮动。
The interest rate that Ireland will pay ranges from 5.7% to 6.05%.
对于那些采取浮动利率抵押贷款，利率增加时贷款人面临支付成本上升的国家的政策制定者来说，这无疑具有吸引力。
That has undoubted appeal for policymakers in countries where floating-rate mortgages expose borrowers to the risk of payment shocks as rates rise.
当摩根大通收购华盛顿互助银行时，它同时购入了一定份额的抵押贷款，包括可选择浮动利率抵押贷款。
When JPMorgan acquired Washington Mutual and EMC, it also acquired portfolios of mortgages that included option adjustable-rate mortgages.
在贷款期限内，实物券利率范围从1.5%至2.5%浮动。
The PIK rates range from 1.5 percent up to 2.5 percent in certain years of the maturity.
尽管可变按揭利率的浮动很小(据加拿大央行规定，只有1.75%)，贷款者必须符合贷款资格标准才能获得五年固定利率按揭的资格。
And even though variable mortgage rates are low (just 1.75%, according to the Bank of Canada), borrowers must meet the creditworthiness standards required for a five-year, fixed-rate mortgage.
2004年的贷款利率浮动政策对国有银行、城市商业银行和农村信用社在信贷市场上的行为塑造作用是值得研究的。
The different credit policies of state - owned commercial Banks, city commercial Banks and rural credit cooperatives under the floating loan rate policy adopted in 2004 are interesting.
5年期国债指数混合型浮动利率抵押贷款(Treasury - indexed hybrid adjustable - rate mortgages)平均利率从上周的3.48%降至3.41%，去年同期值为3.97%。
Five-year Treasury-indexed hybrid adjustable-rate mortgages averaged 3.41%, down from 3.48% the prior week and 3.97% a year earlier.
可以在贷款支付时将浮动利率转换为固定利率。
They can convert the floating rate into fixed rate as the loan disburses.
我们采用浮动利率抵押贷款。
We'd adopt a floating rate foreign currency loan with security.
贷款利率的浮动方法保持不变。
The floating methods for the loan interest rates shall remain unchanged.
但小麦生产、油菜籽生产及农户散养生猪的利润率较低，贷款利率的浮动可能会制约生产这些产品的农户获得贷款。
However, the profit margin of wheat, rapeseed and pig is low, therefore, the fluctuating of loan rate will do harm to the producers of wheat, rapeseed and pig.
这项计划还寻求把尽可能多的浮动利率次级抵押贷款借款人转向更能承受的贷款。
The plan would also seek to switch as many borrowers as possible with subprime adjustable rate mortgages into more sustainable loans .
目前，我国对个人住房贷款实行浮动利率制度，即商业银行每年根据市场利率情况对房贷利率进行相应的调整。
At present, China's floating interest rates on housing loans to individuals of the system, namely, commercial Banks in accordance with market interest rates on loans annually adjusted interest rate.
并且在方法研究的基础上选取案例来检验浮动利率在贷款定价实践中的应用情况，指出贷款利率采取浮动方式可为银行规避一定的市场风险。
Moreover, it selected a case to verify the application of float price in the loan pricing which practice that float price can avoid the market-risk for Banks.
浮动利率的抵押贷款坏账率最高，这种贷款承诺在前几年实行固定低利率。
Defaults are highest for adjustable-rate mortgages - loans that promised a low, fixed-interest rate for the first few years.
广东发展银行目前的贷款定价是以人行规定的基准利率加上或者乘以浮动比率作为贷款价格，其中以基准利率乘以浮动比率更为常见。
The loan pricing of The Guangdong Development Bank are currently up to standard interest rate made by The People's Bank of China plus, or multiply, that is more common, floating rates.
银行系统现在提供许多形式的贷款，以往最常见的30年固定利率贷款现在为浮动利率所替代。
The banking system now offers many styles of loans of which the 30 year fixed rate loan was the most common now replaced by a 30 year variable loan.
利率市场化最为突出的特征就是允许贷款与大额存款的利率自由浮动。
The prominent characteristic of interest rates marketization is to allow the interest rates of large loans and deposit to float freely.
利率市场化最为突出的特征就是允许贷款与大额存款的利率自由浮动。
The prominent characteristic of interest rates marketization is to allow the interest rates of large loans and deposit to float freely.
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