{"id":3379,"date":"2025-01-02T11:32:25","date_gmt":"2025-01-02T16:32:25","guid":{"rendered":"https:\/\/www.mygiantpanda.com\/xzw\/?p=3379"},"modified":"2025-01-02T11:32:52","modified_gmt":"2025-01-02T16:32:52","slug":"fang-dai","status":"publish","type":"post","link":"http:\/\/www.mygiantpanda.com\/xzw\/fang-dai\/","title":{"rendered":"\u91d1\u878d\u8bcd\u6c47\u3010\u623f\u8d37 f\u00e1ng d\u00e0i\u3011How to Write Mortgage in Chinese \u4e2d\u6587\u8d22\u52a1\u77e5\u8bc6 House Loan \u623f\u5c4b\u8d37\u6b3e \u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e \u6309\u63ed\u8d37\u6b3e"},"content":{"rendered":"<div style=\"width: 100%; margin: 0 0 15px 0; overflow: hidden;\" align=\"center\"><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/Yt2HQYk4TFk?rel=0\" width=\"374\" height=\"210\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<p>\u623f\u8d37\uff08f\u00e1ng d\u00e0i\uff09\u662f\u201c\u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e\u201d\u7684\u7b80\u79f0\u3002\u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e\u662f\u94f6\u884c\u4e3a\u4fdd\u8bc1\u8d37\u6b3e\u7684\u5b89\u5168\uff0c\u628a\u501f\u6b3e\u4eba\u7684\u623f\u5730\u4ea7\u3001\u6709\u4ef7\u8bc1\u5238\u53ca\u5176\u4ed6\u51ed\u8bc1\uff0c\u901a\u8fc7\u4e00\u5b9a\u7684\u5951\u7ea6\u5408\u540c\uff0c\u5408\u6cd5\u53d6\u5f97\u5bf9\u501f\u6b3e\u4eba\u8d22\u4ea7\u7684\u7559\u7f6e\u6743\u548c\u8d28\u62bc\u6743\u800c\u5411\u5176\u63d0\u4f9b\u7684\u4e00\u79cd\u8d37\u6b3e\u3002<\/p>\n<p>Fangdai (f\u00e1ng d\u00e0i) is the abbreviation of &#8220;housing mortgage loan&#8221;. Housing mortgage loan is a kind of loan provided by the bank to the borrower in order to ensure the safety of the loan. The bank transfers the real estate, securities and other certificates of the borrower through certain contracts to legally obtain the lien and pledge of the borrower&#8217;s property.<br \/>\n<!--more--><\/p>\n<p>\u8fd9\u79cd\u8d37\u6b3e\u5b9e\u9645\u4e0a\u662f\u503a\u52a1\u4eba(\u62b5\u62bc\u4eba) \u5728\u6cd5\u5f8b\u4e0a\u628a\u8d22\u4ea7\u6240\u6709\u6743\u8f6c\u8ba9\u7ed9\u503a\u6743\u4eba (\u62b5\u62bc\u6743\u4eba) \u4ee5\u53d6\u5f97\u8d37\u6b3e\uff0c\u8fd9\u671f\u95f4\u5982\u679c\u503a\u52a1\u4eba\u4e0d\u80fd\u6309\u671f\u507f\u8fd8\u8d37\u6b3e\u672c\u91d1\u548c\u5229\u606f\uff0c\u503a\u6743\u4eba\u6709\u6743\u5904\u5206\u62b5\u62bc\u7269\uff0c\u5e76\u53ef\u4f18\u5148\u53d7\u507f\u7684\u8d37\u6b3e\u65b9\u5f0f\u3002\u8fd9\u79cd\u8d37\u6b3e\u65b9\u5f0f\uff0c\u53ef\u4ee5\u51cf\u5c11\u503a\u6743\u4eba\u7684\u8d37\u6b3e\u98ce\u9669\uff0c\u4e3a\u503a\u6743\u4eba\u6536\u56de\u8d37\u6b3e\u63d0\u4f9b\u4e86\u6700\u6709\u6548\u7684\u4fdd\u8bc1\u3002\u5728\u4f4f\u623f\u4fe1\u8d37\u4e2d\u91c7\u7528\u62b5\u62bc\u8d37\u6b3e\u662f\u57fa\u4e8e\u94f6\u884c\u7ecf\u8425\u8d44\u91d1\u7684\u5b89\u5168\u6027\u3001\u6d41\u52a8\u6027\u548c\u76c8\u5229\u6027\u8003\u8651\u7684\u3002\u7531\u4e8e\u8fd9\u9879\u4f4f\u623f\u8d37\u6b3e\u7684\u501f\u6b3e\u4eba\u5927\u90fd\u662f\u5c45\u6c11\u4e2a\u4eba\uff0c\u800c\u501f\u6b3e\u4eba\u7684\u8d44\u91d1\u5b9e\u529b\u548c\u4fe1\u8a89\u7a0b\u5ea6\u94f6\u884c\u4e0d\u53ef\u80fd\u4e86\u89e3\u6e05\u695a\uff0c\u8fd9\u6837\u5c31\u589e\u5927\u4e86\u94f6\u884c\u8d37\u6b3e\u7684\u98ce\u9669\uff0c\u800c\u62b5\u62bc\u8d37\u6b3e\u6070\u6070\u5728\u8d37\u6b3e\u98ce\u9669\u8f83\u5927\u7684\u60c5\u51b5\u4e0b\uff0c\u4e3a\u503a\u6743\u4eba\u63d0\u4f9b\u4e86\u6536\u56de\u8d37\u6b3e\u7684\u6709\u6548\u4fdd\u8bc1\u3002\u56e0\u6b64\uff0c\u94f6\u884c\u5728\u5bf9\u5c45\u6c11\u4e2a\u4eba\u7684\u4f4f\u623f\u8d37\u6b3e\u4e2d\uff0c\u5927\u90fd\u91c7\u7528\u62b5\u62bc\u8d37\u6b3e\u65b9\u5f0f\u3002<\/p>\n<p>\u672c\u8d28<\/p>\n<p>\u62b5\u62bc\u623f\u5c4b\u8d37\u6b3e\u5b9e\u9645\u4e0a\u662f\u6307\u7528\u5ba2\u6237\u5df2\u7ecf\u62e5\u6709\u53ef\u4ee5\u4e0a\u5e02\u6d41\u901a\u7684\u5546\u54c1\u623f\u5c4b\u7528\u4ee5\u62b5\u62bc\u7ed9\u94f6\u884c\u8d37\u6b3e\u7684\u54c1\u79cd\u3002\u533a\u522b\u4e8e\u4e8c\u624b\u697c\u7f6e\u4e1a\u8d37\u6b3e\u548c\u4e00\u624b\u697c\u8d37\u6b3e\uff0c\u5728\u4e8e\u5ba2\u6237\u5df2\u7ecf\u62e5\u6709\u623f\u4ea7\u7684\u6240\u6709\u6743\uff0c\u800c\u4e0d\u662f\u5373\u5c06\u62e5\u6709\u3002\u62b5\u62bc\u623f\u5c4b\u8d37\u6b3e\u9700\u8981\u6709\u660e\u786e\u7684\u8d37\u6b3e\u7528\u9014\uff0c\u4e0d\u80fd\u7528\u4e8e\u6cd5\u5f8b\u6cd5\u89c4\u660e\u4ee4\u7981\u6b62\u7684\u7528\u9014\uff0c\u6bd4\u5982\uff1a\u7092\u623f\uff0c\u7092\u80a1\u662f\u4e0d\u5141\u8bb8\u7684\uff0c\u8981\u6c42\u62b5\u62bc\u623f\u5c4b\u8d37\u6b3e\u7684\u7528\u9014\u4e13\u6b3e\u4e13\u7528\uff0c\u5e76\u63a5\u53d7\u8d37\u6b3e\u53d1\u653e\u65b9\u4ee5\u53ca\u76d1\u7ba1\u673a\u6784\u7684\u76d1\u7ba1\uff0c\u53d1\u73b0\u8fdd\u89c4\uff0c\u94f6\u884c\u6709\u6743\u8ffd\u56de\u8d37\u6b3e\u3002<\/p>\n<p>\u529e\u7406\u987b\u77e5<\/p>\n<p>\u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e\u662f\u6307\u501f\u6b3e\u4eba\u4ee5\u6240\u8d2d\u4f4f\u623f\u548c\u5176\u4ed6\u5177\u6709\u6240\u6709\u6743\u7684\u8d22\u4ea7\u4f5c\u4e3a\u62b5\u62bc\u6216\u8d28\u62bc\uff0c\u6216\u7531\u7b2c\u4e09\u4eba\u4e3a\u5176\u8d37\u6b3e\u63d0\u4f9b\u4fdd\u8bc1\u5e76\u627f\u62c5\u8fde\u5e26\u8d23\u4efb\u7684\u8d37\u6b3e\u3002\u5b83\u662f\u7531\u4f4f\u623f\u4e70\u5356\u5408\u540c\u3001\u4f4f\u623f\u6309\u63ed\u534f\u8bae\u3001\u4f4f\u623f\u6309\u63ed\u8d37\u6b3e\u5408\u540c\u8fde\u63a5\u8d77\u6765\u7684\u4e09\u89d2\u5173\u7cfb\u3002<\/p>\n<p>This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagor) to obtain the loan. During this period, if the debtor cannot repay the loan principal and interest on time, the creditor has the right to dispose of the mortgaged property and can be paid first. This loan method can reduce the creditor&#8217;s loan risk and provide the most effective guarantee for the creditor to recover the loan. The use of mortgage loans in housing credit is based on the security, liquidity and profitability of bank operating funds. Since the borrowers of this housing loan are mostly individual residents, and the bank cannot clearly understand the borrower&#8217;s financial strength and credit level, this increases the risk of bank loans. Mortgage loans provide creditors with effective guarantees for recovering loans when the loan risk is relatively high. Therefore, banks mostly use mortgage loans in housing loans to individual residents.<\/p>\n<p>Essence<\/p>\n<p>Mortgage housing loans actually refer to the use of commercial housing that customers already own and can be listed for circulation as collateral for bank loans. The difference between second-hand property loans and first-hand property loans is that customers already own the property, not about to own it. Mortgage housing loans need to have a clear loan purpose and cannot be used for purposes expressly prohibited by laws and regulations, such as: real estate speculation and stock speculation are not allowed. It is required that the purpose of mortgage housing loans is dedicated and subject to supervision by the loan issuer and regulatory authorities. If violations are found, the bank has the right to recover the loan.<\/p>\n<p>Instructions for handling<\/p>\n<p>Housing mortgage loans refer to loans in which the borrower uses the purchased housing and other property with ownership as collateral or pledge, or a third party provides a guarantee for its loan and assumes joint and several liability. It is a triangular relationship connected by a housing sales contract, a housing mortgage agreement, and a housing mortgage loan contract.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u623f\u8d37\uff08f\u00e1ng d\u00e0i\uff09\u662f\u201c\u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e\u201d\u7684\u7b80\u79f0\u3002\u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e\u662f\u94f6\u884c\u4e3a\u4fdd\u8bc1\u8d37\u6b3e\u7684\u5b89\u5168\uff0c\u628a\u501f\u6b3e\u4eba\u7684\u623f\u5730\u4ea7\u3001\u6709\u4ef7\u8bc1\u5238\u53ca\u5176\u4ed6\u51ed\u8bc1\uff0c\u901a\u8fc7\u4e00\u5b9a\u7684\u5951\u7ea6\u5408\u540c\uff0c\u5408\u6cd5\u53d6\u5f97\u5bf9\u501f\u6b3e\u4eba\u8d22\u4ea7\u7684\u7559\u7f6e\u6743\u548c\u8d28\u62bc\u6743\u800c\u5411\u5176\u63d0\u4f9b\u7684\u4e00\u79cd\u8d37\u6b3e\u3002 Fangdai (f\u00e1ng d\u00e0i) is the abbreviation of &#8220;housing mortgage loan&#8221;. Housing mortgage loan is a kind of loan provided by the bank to the borrower in order to ensure the safety of the loan. The bank transfers the real estate, securities and other certificates of the borrower through certain contracts to legally obtain &#8230; <a title=\"\u91d1\u878d\u8bcd\u6c47\u3010\u623f\u8d37 f\u00e1ng d\u00e0i\u3011How to Write Mortgage in Chinese \u4e2d\u6587\u8d22\u52a1\u77e5\u8bc6 House Loan \u623f\u5c4b\u8d37\u6b3e \u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e \u6309\u63ed\u8d37\u6b3e\" class=\"read-more\" href=\"http:\/\/www.mygiantpanda.com\/xzw\/fang-dai\/\" aria-label=\"More on \u91d1\u878d\u8bcd\u6c47\u3010\u623f\u8d37 f\u00e1ng d\u00e0i\u3011How to Write Mortgage in Chinese \u4e2d\u6587\u8d22\u52a1\u77e5\u8bc6 House Loan \u623f\u5c4b\u8d37\u6b3e \u4f4f\u623f\u62b5\u62bc\u8d37\u6b3e \u6309\u63ed\u8d37\u6b3e\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"video","meta":{"footnotes":""},"categories":[1],"tags":[396,397],"class_list":["post-3379","post","type-post","status-publish","format-video","hentry","category-write-chinese","tag-396","tag-397","post_format-post-format-video"],"_links":{"self":[{"href":"http:\/\/www.mygiantpanda.com\/xzw\/wp-json\/wp\/v2\/posts\/3379","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.mygiantpanda.com\/xzw\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.mygiantpanda.com\/xzw\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.mygiantpanda.com\/xzw\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.mygiantpanda.com\/xzw\/wp-json\/wp\/v2\/comments?post=3379"}],"version-history":[{"count":0,"href":"http:\/\/www.mygiantpanda.com\/xzw\/wp-json\/wp\/v2\/posts\/3379\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.mygiantpanda.com\/xzw\/wp-json\/wp\/v2\/media?parent=3379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.mygiantpanda.com\/xzw\/wp-json\/wp\/v2\/categories?post=3379"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.mygiantpanda.com\/xzw\/wp-json\/wp\/v2\/tags?post=3379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}