金融英语阅读:家居装修贷款_英语题库
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金融英语阅读：家居装修贷款_英语题库LoansforrefurbishinghousesrefertoRenminbiconsumerloansgrantedbythelendertoborrowerstofacilitatetheirownhouserefurbishing.Thelengthofmaturityofaloanforrefurbishinghousesisusuallyonetothreeyears,withthelongestnotexceedingfiveyearsinclusive.Thespecificlengthofmaturitydependsonthenatureoftheborrower.ThecorrespondinglendingratestipulatedbythePeople'sBankofChinaappliestothatonloansforrefurbishinghouses.Ifthelengthofmaturityiswithinoneyearinclusive,interestamountshallbecomputedinaccordancewiththecontractedinterestrate,andtheinterestrateshallremainunchangedincaseofadjustmentofthelegalinterestrate;ifthetermisoveroneyear,theinterestrateshallbesubjecttointerestrateadjustment,ifany,madebythePeople'sBankofChina.Theceilingofaloanforrefurbishinghousesshallnotexceed80%ofthetotalhouserefurbishingamount.家居装修贷款是指贷款人向借款人发放的用于借款人自用家居装修的人民币消费贷款。家居装修贷款期限一般为一至三年，最长不超过五年（含五年），具体期
家居装修贷款利率执行中国人民银行规定的相应档次限根据借款人性质分别确定。
贷款利率。贷款期限在一年以内（含一年），按合同约定利率计息，遇法定利率调整时，利率不变；贷款期限在一年以上的，遇法定利率调整，则按人民银行关于利率调整的规定进行利率调整。家居装修贷款的最高金额不得超过家居装修工程总额的80%。帝秀女性网http://www.dixiu.com