2. 职称英语
  3. [audioFiles]2016m8x/audio_ezfj_ezflisteningd_201607_057[/audioFiles] Persona

[audioFiles]2016m8x/audio_ezfj_ezflisteningd_201607_057[/audioFiles] Persona

游客2023-11-01  21
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答案     Personal Loans
    A personal loan involves borrowing a lump sum from a lender / which you agree to pay back, with interest, over a fixed period. / There are two main types of personal loans: secured and unsecured. / Unsecured loans are not tied to any of your assets. / But secured loans are usually tied to your property. / If you default on a secured loan, / your lender can force you to sell the asset to pay off your debt. /
    Interest rates on loans can be fixed or variable. / A fixed rate will remain the same for the term of the loan, / while a variable rate will be subject to change. / Most loans are repaid in monthly instalments / usually over an agreed period. / The lender will tell you how much you need to pay each month / when it agrees the loan. / If you miss a payment the lender will record the default on your credit file. /
解析     个人贷款
   个人贷款涉及向贷方一次性借取一大笔资金，并答应在一个固定的时期内有息偿还。个人贷款主要有两种类型：抵押贷款和无抵押贷款。无抵押贷款不会将(欠款)与你的资产绑定。但是抵押贷款却经常跟你的财产绑定在一起。如果你过期未还抵押贷款，贷方会强迫你变卖资产来偿还债务。贷款利率可以是固定的，也可以是浮动的。固定利率是指该笔贷款偿还期内的利率保持不变，而浮动利率则会随时改变。
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