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External sources (not reviewed)

(四 ) 有否研究銀行收緊物業按揭貸款的審批準則對地產代理行業所造成的影響；若有，政府有否措施協助地產代理業人士；若否，原因為何？ legco.gov.hk	(d) it has assessed the impact of [...] the banks tightening the criteria [...] for vetting and approving property mortgage applications on [...] the estate agency trade; if [...] so, whether it has measures in place to assist real estate agents; if not, the reasons for that? legco.gov.hk
尤其梁展文事件揭示了審批存在漏洞，政府必需加快完善及切實執行嚴謹的審批制度，才能維持 [...] 政府的公信力，維持政府的公正形象。 legco.gov.hk	The Government should therefore [...] expeditiously refine and implement a [...] stringent vetting and approval system to maintain [...] the credibility and impartial image of the Government. legco.gov.hk
至於現時未有按揭的單位，獲批准貸款後所做的按揭，也是加按。 housingauthority.gov.hk	Where there is no existing mortgage, creation of a fresh mortgage of a TPS flat will also amount to refinancing. housingauthority.gov.hk
(一 ) 是否知悉，過去半年，銀行拒絕向一手或二手住宅物業的準買家批出按揭貸款的個案宗數，以及拒絕批出貸款的原因 legco.gov.hk	(a) it knows the number of cases in the past six months of banks [...] refusing to offer mortgage loans to prospective [...] buyers of first-hand or second-hand [...] residential properties, as well as their reasons for refusing to offer loans legco.gov.hk
金管局副總裁(銀行) 指出，在去年批核的按揭貸款中，約有10%是按借款人的資產淨值額批出。 legco.gov.hk	DCE(B)/HKMA pointed out that [...] about 10% of mortgage loans approved last year were [...] granted on the basis of the net worth of the borrowers. legco.gov.hk
我們自由黨認為 [...] ，要恢復市民對樓市的信心，政府實在應改善按揭貸款的現行安排，包括改善按揭保險計劃審批申請的條件和程序，不可採用現在這般嚴苛的條件；而且要放寬對銀行七成按揭貸 [...] 款上限的指引，令有足夠還款能力的按揭 [...] 申請人，可以更便捷地取得超過樓價七成的按揭貸款，從而促進整體的物業交投。 legco.gov.hk	We in Liberal Party consider that to restore public confidence in the property market, it is indeed necessary for the Government to [...] improve the existing [...] arrangements for mortgage loans, including improving the conditions and procedures for vetting and approving applications under [...] the mortgage insurance [...] scheme and abolishing the harsh requirements, and also relaxing the guideline for banks on the 70% ceiling for residential mortgage loans, so that mortgage applicants with sufficient means to make repayments can more conveniently and speedily secure mortgage loans in excess of 70% of the property value, thereby boosting overall property transactions. legco.gov.hk
鑒於政府已推出穩定樓市的措施，二手住宅物業的價格較 1997 年高峰期下跌約 62%，同期市民對物業按揭供款的負擔能力也上升約 73%，按揭貸款的拖欠風險已經大減，本會要求政 [...] 府採取措施，協助有需要的按揭申請人 [...] 更便捷地取得超過樓價七成的貸款，包括改善按揭保險計劃審批申請的條件和程序，或放寬對銀行按揭貸款七 [...] 成上限的指引等，從而促進物業交投、穩 [...] 定樓市、改善通縮和振興經濟。 legco.gov.hk	That, as the Government has introduced measures to stabilize the property market, secondary residential property prices have fallen by about 62% from their peak in 1997 and the public's ability in making property loan repayments has increased by about 73% in the same period, thereby considerably reducing the risk of defaults on mortgage loan, this Council asks the Government to adopt measures to assist needy mortgage applicants in securing more conveniently and speedily loans in excess of 70% of the value of their properties, including improving the [...] conditions and [...] procedures for vetting and approving applications under the mortgage insurance scheme [...] or relaxing the guideline [...] for banks on the 70% ceiling for residential mortgage loans, with a view to boosting property transactions, stabilizing the property market, easing deflation and reviving the economy. legco.gov.hk
因此，自由黨建議當局應鼓勵銀行就一手和二手樓宇的按揭利率及審批程序和時間採取一視同仁的做法，而對二按的其中兩成，即在使按揭可達致九成方面，能多做一些工夫。 legco.gov.hk	As such, the Liberal Party suggests that the Administration should encourage banks to exercise impartiality and fairness in the interest rates offered as [...] well as the procedures and the time [...] taken to vet and approve mortgage applications for [...] both first-hand and second-hand flats, [...] and that the Administration should do more in making the banks provide the additional 20% loan in the second mortgage, that is, to make it possible for buyers to secure a total mortgage loan of up to 90% of the property price. legco.gov.hk
但該等規則載有若干項不受此限的例外情況，項目如㆘：由界定的有關方面進行而價格不超過 25 [...] 萬元且雙方並無利益衝突的田土交易；未完成或已完成樓宇單位的首次買賣；土㆞的按揭，以及土㆞ 的批租。 legco.gov.hk	These are: transactions between defined associated parties where the price of the land does not exceed $250,000 and no conflict of interest is [...] apparent; first sale and purchase of units in uncompleted or [...] completed developments; mortgages of land; and leases of land. legco.gov.hk
商業銀行在批出按揭貸款時，亦已遵從金管局有關供款與入息比例的審慎指引。 legco.gov.hk	Commercial banks also followed the HKMA’s prudential guidelines on [...] debt-servicing ratio when extending mortgage loans. legco.gov.hk
為了審慎運用公帑，除非得到委員進一步批准，按揭證券公司不會在貸款保證承擔額超過 1,000 [...] 億元或壞帳償付和相關支出的總額將達到 110 億元時( 視乎哪種情況較早出現) ，繼續批出任何信貸擔保。 legco.gov.hk	For the sake of financial prudence, except with [...] Members’ further approval, the HKMC would not [...] provide any loan guarantee beyond the [...] $100 billion loan guarantee commitment or when the expenditure for settling default claims and related costs is about to reach $11 billion, whichever happens first. legco.gov.hk
房屋條例附表第 4 [...] 段規定，居者有其屋計劃或私㆟機構參建居屋計劃單位的買主，只可按房屋署署長批准的條件按揭或抵押其樓宇。 legco.gov.hk	Paragraph 4 of the Schedule to the Ordinance permits a flat purchaser under the Home [...] Ownership Scheme or the Private Sector [...] Participation Scheme to mortgage or charge the land only [...] on such terms as are authorized by the Director of Housing. legco.gov.hk
房屋署已於 2007 年 10 月 2 日去 [...] 信所有參與機構，澄清最長按揭還款期的規定與按揭貸款保證期何時結束無關，並呼籲參與機構應因應申請人的個別情況批予合適的按揭還款年期。 legco.gov.hk	The HD wrote to all participating institutions on 2 October 2007 to clarify that the restriction on maximum mortgage repayment period is not related to the expiry date of the mortgage default guarantee period, and call [...] on the participating institutions [...] to offer appropriate mortgage repayment periods on [...] the merits of individual applications. legco.gov.hk
屬真實無訛，又若申請獲得批准，所得的按揭貸款將用於第三部所述的用途。我 / 我們明白，根據香港法例第283 章房屋條例第26(1)(a)條的規定，任何人如就本通知書所需的任何資料，蓄意向房屋委員會虛報事實，即屬違法，一經定罪，可判罰第5 級罰款額及監禁六個月; 而根據第27(a)條的規定，任何人在填寫根據第25(1)條發出的通知書時拒絕填報或漏報指定資料，亦屬違法，一經定罪，可判罰第4級罰款額及監禁三個月。 rl.com.hk	I/We understand that any person who knowingly makes any false statement to the Housing Authority in respect of any particulars required by this Requisition shall be guilty of an offence under Section 26(1)(a) of the Housing Ordinance, Cap. 283 and shall be liable on conviction to a fine at level 5 and to imprisonment for 6 months, and any person who refuses or neglects to furnish any of the particulars specified in this Requisition under Section 25(1) shall be guilty of an offence under Section 27(a) and shall be liable on conviction to a fine at level 4 and to imprisonment for 3 months. rl.com.hk
上部媒体法中的类似措辞往往导致批评政府或揭露腐败的记者被逮捕和受到恐吓。 daccess-ods.un.org	Similar wording in the previous media [...] law often resulted in the arrest and intimidation of [...] journalists who had criticized the Government or [...] exposed corruption. daccess-ods.un.org
如果銀行認為不能分辨置業者和「炒家」的分別， [...] 政府有關部門可透過了解土㆞登記資料而發出㆒份證明文件，提供給銀行，使其知道該名首次置業㆟士有否物業，從而可以作出是否批准九成按揭的決定。 legco.gov.hk	If a bank cannot differentiate home buyers from speculators, the Government department concerned can issue certificates to the bank after checking information with the Land Registry, so that the bank [...] will know whether clients claiming to [...] be first time home buyers own property or not, [...] and then decide if loans at 90% can be made. legco.gov.hk
在3月份的新批按揭貸款中，約86.4％以最優惠利率作為定價參考，其中大部分定於2至2.25厘的水平。 news.gov.hk	About 86.4% of the new mortgage loans approved were priced with [...] reference to best lending rates, with the largest portion [...] in the price range of 2% and 2.25%. news.gov.hk
據報，香港金融管理局自2009年以來多次收緊住宅按揭貸款的最高按揭成數，而涉及第二按揭計劃的貸款額及其佔新批出按揭貸款的百分比則由2010年的14.79億元和0.45%上升到2012年的38.59億元和2.01%。 legco.gov.hk	It has been reported that the Hong Kong Monetary Authority has tightened the maximum loan-to-value ratio for residential mortgage loans for a number of times since 2009, and the amount of loans involving co-financing [...] schemes and the percentage of such [...] loans in the new mortgage loans approved increased from $1.479 [...] billion and 0.45% in 2010 to [...] $3.859 billion and 2.01% in 2012 respectively. legco.gov.hk
金管局副總裁(銀行 )補充，金管局最近對認可機構展開新一輪的實地 [...] 審查，並提醒該等機構以審慎方式進行物業估值及評估借款人的還款能力，以及在批出按揭貸款時不要超出指定的按揭成數上限。 legco.gov.hk	The Deputy Chief Executive (Banking)/HKMA (DCE(B)/HKMA) added that HKMA had recently commenced a new round of on-site examinations to AIs, and reminded them to be prudent in valuation of [...] properties and assessing the borrowers' repayment ability and not to exceed the [...] specified LTV ratios in granting mortgage loans. legco.gov.hk
以香港銀行同業拆息作為定價參考的新批按揭貸款所佔比例，由2月份的11.4％，降至10.7％。 news.gov.hk	The portion of new mortgage loans priced with [...] reference to HIBOR fell from 11.4% in February to 10.7% in March. news.gov.hk
(二 ) 是否知悉，過去半年，住宅物業買家在簽署正式買賣合約後曾被個別銀行拒絕批出按揭貸款、該等買家因未取得按揭貸款而需把完成交易日期押後，以及他們最終因未能取得按揭貸款而遭沒收訂金的個案分別有多少宗； (三 ) 香港金融管理局(“金管局”)現時有否機制，處理市民就銀行刻意拒絕批出物業按揭貸款而作出的投訴；若有，有關的詳情為何；若否，原因為何；及 legco.gov.hk	(b) it knows the respective numbers of cases in the past six [...] months of residential property buyers [...] being refused, after signing the Official Agreements for Sale and Purchase, to be offered mortgage loans by individual banks, such buyers having to defer the date for completing the transaction as they had yet to secure a mortgage loan, as well as buyers having their deposits ultimately forfeited due to failure to secure a mortgage loan legco.gov.hk
房地產市場在2011年下半年明顯降溫，2012年 1月新批出的按揭貸款宗數和金額都較2011年上半年平均下跌接近七成，2012年 [...] 1月的樓價亦較去年6月回落5.3%。 legco.gov.hk	The property market had cooled down obviously in the second half of [...] last year. In January 2012, the number [...] and amount of mortgages approved had dropped nearly [...] by 70% on average in comparison with the first half of 2011. legco.gov.hk
放寬樓價七成的貸款上限至物業市值的八成 [...] 或九成，將會大大增加銀行批出按揭貸款的風險，而按揭利率將 [...] 會相應地提高，以反映增加的風險。 legco.gov.hk	Raising the loan-to-value ceiling to 80% or 90% [...] of the market value of a property would significantly increase the risk that [...] banks take on when they make mortgage loans. legco.gov.hk
由於㆒九零五年時，長洲 6 名村代表聯同所有長洲居民㆖書當時的總督及輔政司請願，反對㆖述判黃維則堂為承批㆟ 的決定，才揭發 ㆒ 九零㆒年當時土㆞法庭的主席法官將當時黃維則堂的完糧㆟(taxlord)身份辨認(recognize)為業主(landlord)的身份。 legco.gov.hk	of Cheung Chau Island, petitioned the Governor and the Colonial Secretary to oppose the decision by which WWTT was made the leaseholder, then it came to light that, in 1901, the status of WWTT as a "taxlord" at that time was recognized by the Presiding Judge of the Land Court as a "landlord". legco.gov.hk
獲批准的重新按揭(加按 )貸款額，不得超過房屋署署長在業主申請重新按揭(加按)當天所估定的單位售價的80%與首次按揭未清還的貸款額之間的差額。 rl.com.hk	The maximum amount of refinancing loan permissible will be limited to the difference of 80% of the sale price assessed by the Director of Housing as at the date of the application for refinancing and the amount of any outstanding first mortgage loan. rl.com.hk
专家组再次建议联科行动聘用若干合格的海关咨询人，为综合禁运监察股提供协调一致的监测能力，并依据风险评估战略(见 [...] S/2010/179，第 123 段)对货物进行实物检查，以揭露可能违反武器和相关材料禁运的情况。 daccess-ods.un.org	The Group reiterates its recommendation that UNOCI hire qualified customs consultants to provide a consistent monitoring capacity to its Integrated Embargo Monitoring Unit and to carry out physical inspections of cargoes based on a risk [...] assessment strategy (see S/2010/179, para. 123), [...] with a view to uncovering potential violations [...] of the embargo on arms and related materiel. daccess-ods.un.org
(r) 管理、維護、裝修及開發本公司全部或任何部分物業、土地或樓宇，並聯同他人經營或使用或擁有、租賃、按揭、轉租、交換、交出、出售、利用或以其他方式處置及出售以上各項或當中任何部分或權益，有關 [...] 代價及條款及條件按本公司認為合適而釐定，尤其是對於購買或收購 [...] 以上各項任何權益的任何公司的股份、債權證或證券。 pccw.com	(r) To manage, maintain, improve and develop all or any part of the property, land, building or buildings of the Company and to operate or [...] use in conjunction or co-ownership with [...] others, lease, mortgage, underlet, exchange, [...] surrender, sell, turn to account or [...] otherwise deal with and dispose of the same or any part or parts thereof or interest thereon, for such consideration and on such terms and conditions as the Company may think fit, and, in particular, for shares, debentures or securities of any company purchasing or acquiring any interest in the same. pccw.com
一大批具体的建议已提交给对话的协调员，如建立大学的对话与网络；青年科学家的对话，邀请教科文组织教席担任者参与对话活动；两个地区的实习记者和资深新闻工作者的对话；举行青年论坛；重新启动文学作品翻译委员会，增加用欧洲语言翻译的阿拉伯作品；学校教科书的比较研究；文化产业专业人士的对话；举办跨地区会议，探讨欧洲历史教科书中阿拉伯伊斯兰文化的形象。 unesdoc.unesco.org	A host of concrete proposals were suggested to the coordinators of the Dialogue, such as: dialogue and networking among universities; dialogue among young scientists, involving UNESCO chairholders in dialogue activities; dialogue among student journalists and seasoned media practitioners from both regions; the holding of youth forums; reactivation of the Committee for the Translation of Literary Works and increase in the translation of Arabic works into European languages; a comparative study of school textbooks; dialogue involving professionals from cultural industries; the organization of an interregional conference on the image of Arab-Islamic culture in European history books. unesdoc.unesco.org
(b) 訂立任何擔保、彌償合同或保證，尤其是（在不影響前述條文一般性的原則下）在有代價或無代價的情況下，藉個人義務或將本公司全部或任何部份業務、財產及資產（現時及未來）以及未催繳資本按揭或抵押或藉該兩種方法或以任何其他方式，擔保、支持或保證任何人士（包括（在不影響前述條文一般性的原則下）任何當時為本公司附屬公司或控股公司或本公 [...] 司控股公司的另一附屬公司或在其他方面與本公司有聯繫的公司）履行任 [...] 何義務或承諾，及償還或支付任何證券或債務的本金，及就該等證券或債務而應付或有關的任何溢價、利息、股息及其他款項。 minmetalsland.com	(b) To enter into any guarantee, contract of indemnity or suretyship and in particular (without, prejudice to the generality of the foregoing) to guarantee, support or secure, with or without consideration, whether by personal [...] obligation or by mortgaging [...] or charging all or any part of the undertaking, property and assets (present and future) and uncalled capital of the Company or both such [...] methods or in any [...] other manner, the performance of any obligations or commitments, of, and the repayment or payment of the principal amounts of and any premiums, interest, dividends and other moneys payable on or in respect of any securities or liabilities of, any person including (without prejudice to the generality of the foregoing) any company which is for the time being a subsidiary or a holding company of the Company or another subsidiary or a holding company of the company or otherwise associated with the Company. minmetalsland.com
关于妇女权利，它重申阿富汗批准了《消除对妇女一切形式歧视公约》，并按照该《公约》，制定了保护妇女免遭暴力的法律， [...] 以使妇女在政府和阿富汗的社会生活中享有适当份额。 daccess-ods.un.org	Regarding women’s rights, it was reiterated that [...] Afghanistan had ratified the Convention [...] on the Elimination of All Forms of Discrimination [...] against Women and had in place a law to protect women from violence, in conformity with the Convention, in order to give women an appropriate share in the Government and social life in Afghanistan. daccess-ods.un.org

揭批 ()—

expose and criticize

See also:

揭 v—

揭—

批—

批 v—

批—

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External sources (not reviewed)

揭批 ()—

expose and criticize

See also:

揭 v—

揭—

批—

批 v—

批—

▾External sources (not reviewed)

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External sources (not reviewed)