抵押放款简称 “押款”,银行要求借款人提供一定的抵押品作为保证的放款。抵押品一般为易于保存和变卖的财产,如有价证券、房地产、商品的提单等。抵押与质押不同,质押品必须转移占有,而抵押品则无须转移占有。财产一经抵押,在法律上即归债权人所有,借款到期不还,银行有权处理抵押品作为抵偿。以财产作为抵押,可减少银行放款的风险,而借款人又能以较低的利率获得贷款,所以,在资本主义国家,这是一种运用较广的放款方式。新中国成立后,曾对资本主义工商业也主要采用这种放款方式。
抵押放款公司 [金融] mortgage company
活期抵押放款 Call loans secured ; [金融] call loan secured
不动产抵押放款 loanonrealestate ; [金融] loan secured by real estate ; Loans on actual estate ; loans
定期抵押放款 Fixed loans secured ; [金融] fixed loan secured
通知抵押放款 call securied loan ; call secured loan ; call loans secured
申请抵押放款 apply for loans secured ; applying for loans secured
联邦国民抵押放款协会 Fmnie Mae
货物抵押放款 take goods in pledge
间接抵押放款 indirect mortgage loan
有价证券抵押放款 loan secured by stocks and bonds
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