| 单词 | loan |
| 释义 | loan (loʊn ) Word forms: loans , loaning , loaned 1. countable noun B1 A loan is a sum of money that you borrow. The country has no access to foreign loans or financial aid. The president wants to make it easier for small businesses to get bank loans. ...loan repayments. Synonyms: advance, credit, mortgage, accommodation 2. See also bridging loan, soft loan 3. singular noun If someone gives you a loan of something, you borrow it from them. I am in need of a loan of a bike for a few weeks. He had offered the loan of his small villa at Cap Ferrat. [+ of] 4. verb If you loan something to someone, you lend it to them. He had kindly offered to loan us all the plants required for the exhibit. [VERB noun noun] We were approached by the Royal Yachting Association to see if we would loan our boat to them. [VERB noun + to] Synonyms: lend, allow, credit, advance Loan out means the same as loan. It is common practice for clubs to loan out players to sides in the lower divisions. [V P n + to] The ground was loaned out for numerous events including pop concerts. [be V-ed out] 5. on loan phrase If something is on loan, it has been borrowed. ...impressionist paintings on loan from the National Gallery. Many of these are on display in the Museum, but some have been sent out on loan to other museums. 6. on loan phrase [usually verb-link PHRASE] If a person is on loan from one organization to another, they are temporarily working for the second organization while still employed by the first. On loan from Southampton, he scored his first goal for Birmingham. She's on loan to us from the CIA. Collocations: issue a loan These files are used by banks and building societies to assess risk, usually before they issue a loan or credit card. Times, Sunday Times The crisis has spread around the world because the institutions that initially issued the loans re-packaged them and sold them to other banks and hedge funds. Times, Sunday Times Lenders typically require access to the borrower's credit report before issuing a loan in the borrower's name. Retrieved from Wikipedia CC BY-SA 3.0 The policy could prove counterproductive if banks respond by raising loan charges or fees or, even worse, reduce lending. Times, Sunday Times Almost two million borrowers are taking out loans charging interest rates of up to 100 per cent because of stricter lending practices at high street banks. Times, Sunday Times Few 18-year-olds can even imagine being 45 or 50, let alone calculate the net present value of loan charges they may have to make at that age. Times, Sunday Times Consumers are increasingly turning to short-term loans charging interest of more than 1,000 per cent to tide them over until they get paid. Times, Sunday Times He also vows to raise loan charges for successful graduates - destroying the very incentive to go to uni. The Sun He said that the extra interest and penalties could make borrowers ineligible for loan modification, making it harder for them to stay in their homes. Times, Sunday Times Loan modification companies can also inform homeowners of federal programs, which may be advantageous. Retrieved from Wikipedia CC BY-SA 3.0 In order to expedite the loan modification process, homeowners may rely upon the services of a local loan modification company. Retrieved from Wikipedia CC BY-SA 3.0 Privately held mortgages will be eligible for other incentives, including a favorable loan modification for five years. Retrieved from Wikipedia CC BY-SA 3.0 These all operate under the paradigm of one-at-a-time or case-by-case loan modification, as opposed to automated or systemic loan modification. Retrieved from Wikipedia CC BY-SA 3.0 And they still won't loan money to our small businesses. The Sun When you loan money to family or friends, always get an agreement in writing. The Sun It works using a sale and leaseback type arrangement whereby the pension trustees agree to buy assets of the business, or loan money to the business secured against these assets. Times, Sunday Times Those from the middle classes who have to earn back loan money can't go there. Times, Sunday Times Individuals loan money directly to companies — the idea being that both benefit by cutting out banks and building societies. Times, Sunday Times It began with a sum of €248,396.67, the same amount, to the cent, that he owed the bank from a missed loan payment. Times, Sunday Times Or perhaps discovering that we have a decent credit score, despite having missed a student loan payment. Times, Sunday Times Starting university generally means instant financial independence, with a big loan payment and the responsibility to make it last. Times, Sunday Times Apply for mortgage and loan payment holidays. Times,Sunday Times The congregation planned to borrow most of the money for their new one, but the loan payment would have been larger than their existing congregation could have met. Christianity Today When a bank extends a new loan, it adds identical sums to its loan portfolio and its deposit liabilities. Times, Sunday Times The rating agency lowered the rating because of 'the significant deterioration' in the bank's loan portfolio. Times, Sunday Times The improvement reflected asset sales, lower non-accrual loans and an improvement in credit quality in the bank's loan portfolio. Times, Sunday Times It said the company would focus on the management of its existing loan portfolio to maturity. Times,Sunday Times About 75% of the bank's loan portfolio would have been ranked as 'sub-investment grade' by global ratings agencies, the regulator said. Times, Sunday Times After a backlash from businesses, the government expanded its emergency loan programme last week. Times,Sunday Times The money would come upfront via a loan programme, with consumers repaying a proportion of what they save on their energy bills. Times, Sunday Times Its local producer loan programme offers start-ups up to 20,000 at an interest rate of about 5%. Times, Sunday Times It also lent $32 million through the charity's loan programmes designed to aid inner cities and entrepreneurs. Times, Sunday Times Expanded student loan programmes boosted the demand for college, which made college more expensive, which in turn increased the need for student loans. The Times Literary Supplement The scheme would be accessible only to banks that have set aside enough bad loan provisions. Times, Sunday Times He said that the decision had stopped £8 billion being paid out when the economy was going into lockdown, which has resulted in £20 billion of bad loan provisions so far. Times,Sunday Times Its survey said that a third of the sector also expected to increase bad loan provisions and that lending to construction and property companies was set to fall again. Times, Sunday Times To illustrate this, consumers may review the loan provisions on their permanent policy. Retrieved from Wikipedia CC BY-SA 3.0 Employers, of course, have the option to make their plan's loan provisions more restrictive. Retrieved from Wikipedia CC BY-SA 3.0 This assumes the loan rate stays the same. Times, Sunday Times People with a 10 per cent deposit could see a two-year fixed home loan rate fall from 3.68 to 2.7 per cent. The Sun But experts warned it was possible not all lenders would pass on the loan rate reduction. The Sun Lenders typically offer 0.1-point discounts or more on the advertised loan rate for existing customers, while others promise to reduce fees. Times, Sunday Times After all, they remember the terrible squeeze of 1990 when the average home loan rate leapt to 15 per cent. Times, Sunday Times I found some of the contract talks, loan requests and press conferences a bit tedious and left much of it to my virtual assistant. The Sun The site enables businesses to put their loan requests online for investor members to bid on. Times, Sunday Times This local expertise means that 80% of loan requests are accepted. Times, Sunday Times Upon choosing a borrower the lender can decide how much to lend - either a fraction or the entire loan requested by the borrower. Retrieved from Wikipedia CC BY-SA 3.0 Loan requests are typically made up of lots of investors each bidding small amounts on hundreds of different businesses to spread their risk. Retrieved from Wikipedia CC BY-SA 3.0 Government rules say that a lender or loan servicer has to prove that it has exhausted all other avenues before seeking repossession. Times, Sunday Times To receive an official determination of eligibility, a borrower must contact his or her loan servicer. Retrieved from Wikipedia CC BY-SA 3.0 Their two primary sources of revenue are from loan origination fees, and loan servicing fees (provided they are a loan servicer). Retrieved from Wikipedia CC BY-SA 3.0 Claims of wrongdoing by banks and loan servicers triggered a 50-state investigation last year. Times, Sunday Times Instead, the funds employ loan servicers, also known as 'third-party administrators', to do the work for them and serve as the principal contact for customers. Times, Sunday Times But to extend the loan term more meaningfully, you would have to apply for another personal loan, using it to pay off the first one. Times,Sunday Times Wonga's average loan term was only 16 days for consumers, though businesses are being offered terms of between a week and a year. Times, Sunday Times It found that you might be better off borrowing more to get a lower rate as you pay less overall over the loan term. Times, Sunday Times Interest-only repayments are smaller but you'll still owe the money you borrowed - called the capital - at the end of the loan term. The Sun New rules state that lenders must explore options to help people stay in their homes - such as extending the loan term. Times, Sunday Times There are also more than 1,150 works on long-term loan to 173 venues. Times, Sunday Times She has a shiny, much-loved blue bike on long-term loan. Times, Sunday Times The scheme lets employees benefit from the long-term loan of bikes and cycling accessories. Times, Sunday Times The pieces on long-term loan from this 'crossroads' make for a coruscating show. The Times Literary Supplement Under the scheme, property owners can avoid the upfront cost of installing double glazing, loft insulation or other energy-saving improvements by taking out a long-term loan. Times, Sunday Times It can mean the difference between passing the affordability tests to qualify for a low-cost loan, and being able to afford the property you want or not. Times, Sunday Times This provides a low-cost loan of up to 30 per cent of the home price that buyers do not need to start repaying for five years. Times, Sunday Times It could be funded from the interest charged from any members of staff who still take out their low-cost loans. The Sun New low-cost loans are estimated to save members more than $300 million annually in interest charges from loan sharks. Times, Sunday Times Housing associations will bid to share low-cost loans to build homes, which will be rented at below-market rates for at least seven years. The Sun In many cases, the best option would be to take out a low-interest loan, or 0 per cent credit card, and buy a car upfront. Times,Sunday Times Two public bodies offered finance, with an $18 million low-interest loan and a $3 million grant. Times, Sunday Times The low-interest loan will be spread over periods of up to 25 years and collected via energy bills. Times, Sunday Times Lucky council tenants who snap up the 18 empty properties will also be able to get a 30,000 low-interest loan to renovate them. The Sun They'll be able to get a low-interest loan. Times, Sunday Times Try to negotiate a loan from the banks now and the terms are onerous. Times, Sunday Times The government also failed to negotiate a loan to relieve the situation. Retrieved from Wikipedia CC BY-SA 3.0 He must also negotiate the loans of many paintings for gallery exhibitions. Globe and Mail They then negotiated a loan, rather than a donation. Retrieved from Wikipedia CC BY-SA 3.0 From the borrower's point of view covenants often appear to be an obstacle at the time of negotiating a loan and burdensome restriction during its term. Retrieved from Wikipedia CC BY-SA 3.0 However, providers have been tightening their lending criteria, making it harder for people with less than perfect credit histories to obtain a loan. Times, Sunday Times This will help you to spot if a criminal has managed to obtain a loan or credit card in your name. Times, Sunday Times Certain years when harvests had been low, the farmers had no choice but to mortgage their land as collateral to obtain a loan. Retrieved from Wikipedia CC BY-SA 3.0 Students are able to obtain a loan of $5,299 for every six months, but can only receive a total of two loans throughout their lifetime. Retrieved from Wikipedia CC BY-SA 3.0 C obtains a loan, secured by a mortgage on his home, to pay for remodeling expenses and furnishings. Christianity Today Based on this, it was prepared to offer a loan of $3 billion, although it would be prepared to go up to $4 billion if needed. Times, Sunday Times They then bid to offer a loan at a particular interest rate. Times, Sunday Times One possible approach would be to offer a loan against the element of the bonus that has been paid in shares but cannot yet be sold. Times, Sunday Times Nurses must save 98,000, firefighters 81,000 and primary teachers 78,000 before a bank will offer a loan on a new-build home. The Sun It offered the loans for the first time last month but its terms were dismissed by finance advisers as disappointing and uncompetitive. Times, Sunday Times That's why he will pay off the outstanding loan and buy back the shares at the original 100 purchase price. The Sun Some businesses were unaware that, if they defaulted, they remained liable for the full outstanding loan. Times, Sunday Times They showed losses of 430,753 over the past two years, and an outstanding loan of 1,065,000 from the pair. Times, Sunday Times You can also make capital repayments up to 10 per cent of the outstanding loan each year. Times, Sunday Times By the time it shut, the hotel's outstanding loan was 4.5 million. Times, Sunday Times It will take us years to pay back the loan. The Sun (2016) We borrowed from the bank to improve the property, with the intention of remortgaging to pay back the loan. Times, Sunday Times (2010) The swap lasted for fifteen years, despite the fact that the property loan was for only five years. Times, Sunday Times It has a 1 billion commercial property loan book and 3 billion in buy-to-let mortgages. Times, Sunday Times The bailout was needed to prevent the banking and insurance group's collapse from property loan losses and to shore up confidence after a private investor-led rescue had failed, ministers said. Times, Sunday Times The company argues that unduly defaulting a property loan can often be detrimental to the sale price, can reduce returns and may delay repayment to investors. Times, Sunday Times Meanwhile, 100 billion of property loans are due for refinancing by the end of 2010. Times, Sunday Times More house purchase loans were agreed in the third quarter, up 13 per cent on the previous three months. Times, Sunday Times Personal contract purchase loans were most popular, though are now under investigation. Times, Sunday Times However, growth in personal and car purchase loans rose 1.3 billion. Times, Sunday Times The company purchases loans from agricultural lenders, and sells instruments backed by those loans. Retrieved from Wikipedia CC BY-SA 3.0 To receive a loan the applicant must be over 18, work at least 16 hours a week and have a good credit history. Times, Sunday Times Private investors pay the government for the right to receive the loan repayments. Times, Sunday Times You'll need to put down at least a 5% deposit and will receive a loan of up to 20%, meaning you can apply for a 75% mortgage. Times, Sunday Times Remaining lenders tightened the credit criteria making it more difficult to receive a loan. Retrieved from Wikipedia CC BY-SA 3.0 These systems require all licensed lenders to conduct a real time verification of the customer's eligibility to receive a loan before conducting a loan. Retrieved from Wikipedia CC BY-SA 3.0 While some will move on to new mortgage deals such as capital repayment arrangements, others may find it difficult to refinance their loan because they are close to retirement. Times, Sunday Times They could suspend interest or payments for a month or two, or refinance the loan over a longer period to reduce payments. The Sun She reckons she'll have no problem refinancing her loans, what with owning five houses and a condo. Times, Sunday Times The company helps customers to refinance their loans from doorstep lenders on to a much lower rate. Times, Sunday Times The group has since struggled to refinance the loans taken on to buy the company. Times, Sunday Times At the time of the fire, you still had a year to go before you could repay the loan without penalties. Times, Sunday Times If you can't repay the loan after six months, you can extend the term for a further six months, provided you can pay the interest. Times, Sunday Times As a result, they could be forced to sell their property to repay the loan once their term ends or be at risk of repossession. Times, Sunday Times In addition, all borrowers will have to demonstrate that they can afford to repay their loan even if interest rates rise by 3 percentage points. Times, Sunday Times A graduate must start to repay the loan once their salary tops 21,000, with 9% of income going towards the debt. Times, Sunday Times Self-certification mortgages have all but disappeared, but if you have two years of accounts you should qualify for standard residential loan deals. Times, Sunday Times Other analysis calls into question the validity of comparing the residential loan crisis to the commercial loan crisis. Retrieved from Wikipedia CC BY-SA 3.0 Fees can rise to 1.5 per cent on residential loans or 2.5 per cent for buy to let. Times, Sunday Times Some lenders are tightening criteria in anticipation of regulatory changes, after the rule changes on residential loans last year. Times, Sunday Times Lenders in the slightly more risky limited category would face similar restrictions on their goodquality residential loans. Times, Sunday Times Sources said a plan to restructure the loan and pump in new equity had been blocked by an activist hedge fund that bought some of the debt. Times, Sunday Times This includes restructuring the loan to make monthly repayments more affordable. Times, Sunday Times Homeowners struggling to cover mortgage repayments also complained about lenders failing to help restructure their loans and loading them with charges that only exacerbate the problem. Times, Sunday Times He would like to know what options he has for refinancing or restructuring the loan - or whether he will have to sell some of his property to pay it off. Times, Sunday Times He also blasted greedy bankers whose risky loans had fuelled the chaos. The Sun Yes, bankers do have to turn down excessively risky loans sought by potential homebuyers and small business owners - not a popularity winner. Times, Sunday Times The report claims that the backward-looking nature of the rules meant that banks did not factor into their accounts risky loans going bad. Times, Sunday Times Other bosses are starting to consider emergency measures to stay afloat — from delaying supplier payments to taking out risky loans from alternative finance providers. Times,Sunday Times In other words, the latest phase of the credit crisis had nothing to do with escalating losses on sub-prime mortgages or other risky loans. Times, Sunday Times Within a whisker of the banking crisis they managed to secure a loan to start their business. Times, Sunday Times It will enable up to 100,000 people with deposits between 5%-10% to secure a loan on a new-build property worth up to 500,000. Times, Sunday Times Those with troubled credit histories will find it more difficult to secure a loan. Times, Sunday Times It helped him to write a business plan and to secure a loan of 28,000 to buy two cars. Times, Sunday Times Experts caution that tougher affordability criteria and rising house prices are still squeezing the number of firsttimers able to secure a loan. Times, Sunday Times Yet the average deposit has risen by 96 per cent to 27,400 (more than the average annual income of 26,503 required to service the loan). Times, Sunday Times The lender may close the loan and service the loan. Retrieved from Wikipedia CC BY-SA 3.0 Many buyers just paid the deposit of around $2,000 and rented out their houses to service the loan for the balance of $18,000. Retrieved from Wikipedia CC BY-SA 3.0 Other times, the lender will maintain ownership and sell the rights to service the loan to an outside mortgage service bureau. Retrieved from Wikipedia CC BY-SA 3.0 The rent could easily service the loan. Retrieved from Wikipedia CC BY-SA 3.0 A borrower secures a short-term loan using collateral such as property. Times, Sunday Times Meanwhile, he insisted upon running the team with short-term loan players, rather than paying money for them. Times, Sunday Times At 11am every day, 16 banks produce estimates of how much they would have to pay to raise a significant short-term loan from a rival. Times, Sunday Times He could move on a short-term loan in an attempt to improve his fitness. Times, Sunday Times The museum received the banner on a short-term loan. Retrieved from Wikipedia CC BY-SA 3.0 I would always suggest taking out an unsecured loan whenever possible. The Sun In many cases, organising an unsecured loan to buy the car independently could work out cheaper for motorists and may come with fewer problems. Times, Sunday Times However, a 5 per cent premium will be added to the unsecured loan if they move elsewhere. Times, Sunday Times On top of this he has a 14,800 unsecured loan, also at 4.78 per cent and again interest-only. Times, Sunday Times Fifteen per cent said that they had taken out a secret credit card, while one in ten admitted to an undisclosed unsecured loan. Times, Sunday Times Translations: Chinese: 贷款, 借给 Japanese: 貸し付け, 貸し付ける |
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