| 1. | Driven by more approvals for transactions in the secondary market and refinancing loans , new loans
在涉及二手市场交易的新批出贷款及转按贷款增加带动下，这些机构在月份新 |
| 2. | The increase in refinancing loans was mainly related to the reallocation of a mortgage portfolio mentioned above
上升至。再融资贷款增加，主要是由于认可机构相互调配按揭组合。 |
| 3. | Furthermore , the refinanced loans are re - underwritten by banks based on an updated assessment on the repayment ability of the borrower
此外，银行须根据贷款人还款能力的最新评估而审批转按申请。 |
| 4. | Much of this competition continues to be channelled into refinancing loans , as shown by the further rise in the proportion of such loans in october
月份再融资贷款的比例进一步上升，反映银行之间的竞争继续扩展至再融资贷款的范畴。 |
| 5. | " the growth in refinancing loans continued to be a noteworthy feature of the market in september , " said mr david carse , deputy chief executive of the hkma
金管局副总裁简达恒表示：再融资贷款的比例上升，继续成为月份市场惹人关注的情况。 |
| 6. | Moreover , lenders have tightened underwriting standards across the board for both prime and subprime mortgages , making it harder for borrowers to refinance loans
不仅如此，贷款行严格了包括优先、次级抵押贷款债券的现行标准，使得借款人再融资更加困难。 |
| 7. | " competition continued to intensify during november as indicated by the rise in the percentage of refinancing loans , " said mr . david carse , deputy chief executive of the hkma
金管局副总裁简达恒表示：从再融资贷款所占比率上升，可见月份银行按揭贷款业务竞争继续加剧。 |
| 8. | In view of the increase in demand for refinancing loans , a number of banks have requested the hkmc to expand the scope of the mip to cover cash - out refinancing mortgages
鉴于市场对再融资按揭贷款的需求增加，多间银行要求按揭证券公司扩大按揭保险计划受保范围至再融资按揭产品。 |
| 9. | " despite the fall in the ratio of refinancing loans , competition for new mortgage business remains intense and margins are continuing to be squeezed . " said mr david carse , deputy chief executive of the hkma
金管局副总裁简达恒表示：尽管再融资贷款比率下降，但银行争逐新按揭业务的竞争仍相当激烈，并会使息差继续收窄。 |
| 10. | On the contrary , by allowing the borrowers to amortize the upfront premium and extend the tenor of the refinanced loans , the banks would benefit from a moderate increase in loan size and a longer cash flow from the loans
相反，将保费加入转按贷款内分期摊还，将使银行贷款额略增而延长转按贷款年期，亦会延长按揭的现金收入。 |
