| 1. | The new scheme will enable mortgage borrowers to lock in a predetermined rate that remains fixed during the designated period and be insulated from any future volatility in interest rates during the entire period
5 . 60 %优惠定息按揭计划可帮助按揭借款人锁定整个有关期限内的按揭利率，确保不受将来的利率波动影响。 |
| 2. | Although these are very much different concerns , there is a common approach in the strategies adopted by all in addressing their respective concerns : this is to lessen the burden of the mortgagors in negative equity so that they will not default on their mortgage loans
虽然大家关注的焦点不同，但所采取的策略都有一个共通点：减轻负资产按揭借款人的负担，以免出现断供的情况。 |
| 3. | Personal housing re - mortgage loan means a business that the borrower having handled a personal housing loan at icbc needs to transfer house property right and mortgage loan to any other person and engages icbc to continue to handle the procedures of loan transfer during the period of repayment for sale ， donation ， inheritance of the purchased housing and other reasons
个人住房转按揭贷款是指已在工行办理个人住房贷款的借款人在还款期间，由于所购房屋出售、赠与、继承等原因，房屋产权和按揭借款需同时转让给他人，并由工行为其续做贷款转移手续的业务。 |
| 4. | Personal housing re - mortgage loan mea a busine that the borrower having handled a personal housing loan at icbc needs to tra fer house property right and mortgage loan to any other person and engages icbc to continue to handle the procedures of loan tra fer during the period of repayment for sale ， donation ， inheritance of the purchased housing and other reaso
个人住房转按揭贷款是指已在工行办理个人住房贷款的借款人在还款期间，由于所购房屋出售、赠与、继承等原因，房屋产权和按揭借款需同时转让给他人，并由工行为其续做贷款转移手续的业务。 |
| 5. | They have - far more perhaps than has been acknowledged - been both forbearing and constructive in their treatment of mortgage - holders facing difficulties ; in particular , they have responded positively to our recent measures to enable them to be more flexible in offering relief to homeowners in negative equity
面对出现困难的按揭借款人，它们也能表现出宽容，并以具建设性的方法处理问题，特别是它们都积极回应金管局最近推出的措施，让它们能灵活处理负资产业主转按的个案。 |
| 6. | The arrangement will also benefit the participating bank and the hkmc . to the originating bank , it provides an extra source of steady fee income and an effective avenue for marketing banking products to mortgage borrowers . to the hkmc , it will help us to diversify our mortgage portfolio to include a good mix of floating and fixed rate mortgages .
计划亦可为参与银行及按揭证券公司带来裨益对参与银行来说，将可提供稳定的费用收入及提供有效渠道向按揭借款人推广其他银行产品对按揭证券公司来说，可令其按揭贷款组合更多元化，进一步改善浮息及定息按揭的比率。 |
