羅馬尼亞房地產(chǎn)的貸款政策【外文翻譯】_第1頁
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1、本科畢業(yè)論文（設計）外文翻譯原文：原文：TheLendingPolicyOfTheRealEstatePropertiesInRomaniaTherealestatemarketdevelopmentinRomaniadependsverymuchbythebuyingcapacityofthepopulationinthesametimethefinancialfacilitieswhichthismarketcanofferaton

2、emoment.Themainproblemsthatisconfrontingwiththismarketarethefollowing:thefinancingconditionsimposedbybanksaswellasotherinstitutionsthatofferrealestatecreditsthatlimitmakeevenimpossiblethecreditaccessofthepersonswithsmall

3、salariestheinsufficientinfmingoftheRomaniancitizensregardingtheinvestmenteconomizingbutalsothequestionamountrelativelyhighofthesetowardsomefinancialinstitutionstheinsufficientdevelopmentoftheeconomizeinvestmentcultureoft

4、hepopulationfromRomania.Fexamplein2003between6070%fromtheRomaniancitizensdidn’thadanyrelationwiththebanksystemonly59.300fromtheRomanianshadassumedtheactiveinvestroleonthemutualfundsmarket.Meanwhiletherehasbeenregisteredp

5、rogressesinthisdirectionwhereonaspecialcontributionhadthechangessupervenedinthepaymentmodalitywithinthebankcardsofthesalariesotherremunerationfmswhat“fced”thepopulationtofamiliarizewiththispaymentsystemgenerallytolineunm

6、ewiththebanksystemthelegislativeframethatcanrestrictcontrarycanfacilitatetheaccesstorealestatecreditwithadirectimpactonthedevelopmentprocessoftherealestatemarketinRomania.(Dragot?V.others2003)Inthepurposeoffacilitatingaf

7、astaccessofthecitizenstothemtgageasotheronesreducethepossibilitiestoonetwoofthecurrencies.Choosingbetweendifferentcurrenciesinwhichitcanbeexpressedthecreditmustbemadeaccdingtotherateofexchangeevolutionofthenationalcurren

8、cyagainstthefeigncurrencythecurrencyinwhichismadethepaymenttotheselleroftherealestatepropertybutalsoaccdingtothecurrencyinwhichisexpressedthesalarytakenbytheclient.c)Thecreditvalue.Somebankspracticealsominimalvaluesmaxim

9、umlimitofthecreditotherimposeonlyoneoftheserestrictionsaccdingtosomecriterialiketheageofthesolicitantthevalueoftheguarantiestheexistenceofsomecopayersetc.d)Thecreditduration.Themaximtermfgivingacreditisdifferentaccdingto

10、thepurposeofsolicitationofthecreditusuallybetween530yearsfromtherealestateacquisitionrespectivebetween520yearsinthecaseofthecreditsfrenovation.Aslongasthecreditdurationislargerthepaymentrateswillbesmallerbuttheincertitud

11、eregardingthevenuerealizationfromwherearepaidtheserateswillbelarger.e)Theadvancepaymentsolicited.ThemajityofthebankssolicitaminimaladvancepaymentaccdingtoB.N.R.nmswhichisvaryingbetween10%30%fromthetotalcreditamount.InMar

12、ch2007TheRuleregardingcreditrisklimitationofthecreditsfnaturalpersonsadoptedbyB.N.R.haseliminatedtheindispensabilityofassuringthecreditadvanceabrogatingthe102005202006Nmsinwhichthecreditinstitutionswereobligatedtosolicit

13、anadvancepaymentofatleast25%fthecreditofrealestateinvestments.f)Theinterestrate.Asregardingtheinterestsolicitedbybanksthereisadiversityofoffersbothrelatedtoit’slevelthemomentofperceptionregardingtheappliedsystem(determin

14、atevariable).Thereexistalsoadvantageslimitsfbothbasesystemsregardingtheinterestratedeterminatevariable.g)Appliedcommissions.Inthecategyofcostsinvolvedbyobtainingarealestatebankcreditmusttakeintoconsiderationalsothecommis

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