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新聞英文解析 新青安房貸八月上路

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作者: 麋鹿兒。
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The Cabinet gave the go-ahead to a Ministry of Finance proposal for preferential interest rates for first-home purchases to support housing justice. It cuts the mortgage rate from an initial 2.025% to 1.775%, for a period of three years. The program is set to be implemented Aug.1.

  為了支持住房正義,內閣批准了財政部關於首次購房優惠利率的提議,一段式利率從原先2.025%降到1.775%,補貼三年,預計8月上路。

  *give the go-ahead:(ph.)批准
  ☆go ahead這個片語是「去做吧!」的意思,所以,the go-ahead是個複合名詞,代表「叫別人去做」,也就是「批准」或「許可」的意思。
  *proposal:(n.)提案;計畫
  *preferential:(a.)優先的;優惠的;優待的
  *interest rates:(n.)利率
  *initial:(a.)最初的
*ahead of:(ph.)在……之前;先於……
*rally:(n.)群眾大會,尤其指為了表明支援某種主張的集會
*implement:(v.)實施

  The Executive Yuan has passed a preferential mortgage program geared toward young adults.Those who have not previously owned a home and do not have children who are homeowners would be able to apply for the three-year preferential interest rate of 1.775 percent. It is the lowest borrowing cost available, as interest rates for standard mortgages are 2.03 percent.

  行政院通過新青安房貸。名下無房屋且無子女的自住者,可申請三年期優惠利率1.775%,這是最低的借貸成本,因為標準抵押貸款的利率為2.03%。

  *gear:(v.)使適合
  *previously:(adv.)先前;原先
  *mortgage:(n.)抵押貸款
  ☆房貸的英文叫做home loan,而mortgage則是指抵押,通常是提供私人資產(不論是否為不動產)作為債務擔保的動作,通常發生在購房時。一般來說,home mortgage loan就是住房按揭貸款,又稱住房抵押貸款,是指購房者用所購的住房做為抵押並由其所購買住房的房地產企業提供階段性擔保的個人住房貸款。

  In addition to the rate reduction, the program also raises the loan limit to NT$10 million(US$321,688),up from the previous NT$8 million. The maximum loan period will be extended from 30 to 40 years. The grace period for paymen twill go up from three to five years, in which borrowers don't have to pay for the principal but only for the interest.

  除了降低利率,貸款年限從30年拉長到40年,寬限期從3年增加到5年,期間借款人只需支付利息而無需支付本金的。貸款額度上限由原來的8百萬元新台幣提高到1千萬元新台幣(321,688美元)。

*reduction:(n.)減少;下降
*grace period:(n.)欠債還款的延緩期或寬限期
☆grace 表示優雅或恩典也有「通情達理」的意思,所以帳單上面看到的grace period 的 grace 就是取這個意思,grace period即「寬限期」
*principal:(n.)本金

  The favorable lending terms aim to lower the thresholds for young people to buy their own home, but there is no upper age limit. Applicants must be at least 18 years old who have no properties under their name or those of their spouse or minor children.

  雖然優惠的貸款條款旨在降低年輕人買房的門檻,但並無年齡上限。年滿18歲,配偶及未成年子女名下無自有住宅者均可申請。

  *term:(n.)條款
  *threshold:(n.)門檻
*applicant:(n.)申請者
*property:(n.)財產
*spouse:(n.)配偶
*minor:(a.)未成年的

  The preferential interest rates would take effect on Aug. 1 and run through July 31, 2026. The preferential loans are expected to benefit 58,000 buyers. Housing unaffordability has been a top complaint. The package would help invigorate the property market ; however, buyers need to exercise careful financial planning, as the interest subsidy would only last for three years.

  優惠利率將於8月1日起生效,有效期至2026年7月31日,優惠貸款預計將惠及58,000名購房者。住房負擔不起一直是人們抱怨最多的問題,該計畫將有助於振興房地產市場,然而,買家需要謹慎進行財務規劃,因為利息補貼只能持續三年。
  *take effect on:(ph.)產生預期的或要求的結果;生效;實施
  *benefit:(v.)產生利益
  *unaffordability:(n.)負擔不起;無法負擔
  *package:(n.)套裝方案
*invigorate:(v.)使活躍
*subsidy:(n.)政府發給的補助金或補貼,指政府組織用來幫助特定人士的金額補助。

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