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买股票开户铁西谈谈双语:丹麦银行推出世界首例负利率贷款

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    Photo by Dmitry Moraine on Unsplash

    A Danish bank has launched the world’s first negative interest rate mortgage – handing out loans to homeowners where the charge is minus 0.5% a year.

    一家荷兰金融机构发布了全球第一例流动性陷阱住房贷款——房贷年利率为-0.5%。

    Negative interest rates effectively mean that a bank pays a borrower to take money off their hands, so they pay back less than they have been loaned.

    流动性陷阱的意思是,金融机构付费让借款者应用资产,借款人还的钱比借的钱还少。

    Jyske Bank, Denmark’s third largest, has begun offering borrowers a 10-year deal at -0.5%, while another Danish bank, Nordea, says it will begin offering 20-year fixed-rate deals at 0% and a 30-year mortgage at 0.5%.

    荷兰第三大金融机构日德兰金融机构早已刚开始向借款者出示年化利率为-0.5%的十年期借款,而另一家荷兰金融机构诺底亚金融机构将刚开始出示固定不动年化利率为0%的20年期借款和年化利率为0.5%的30年期借款。

    Under its negative mortgage, Jyske said borrowers will make a monthly repayment as usual – but the amount still outstanding will be reduced each month by more than the borrower has paid.

    日德兰金融机构称,申请办理流动性陷阱借款的借款者将要和往常一样付款按揭,但剩下借款每个月扣除额将超过每个月最低还款额。

    outstanding['aʊt'stændɪŋ]: adj. 未偿还的

    "We don’t give you money directly in your hand, but every month your debt is reduced by more than the amount you pay,” said Jyske’s housing economist, Mikkel Høegh.

    日德兰金融机构的房地产经济师米克欧·赫格说:“大家不容易立即把钱让你,但每个月你的负债降低额会高过你的还贷额度。”

    The mortgage is possible because Denmark, as well as Sweden and Switzerland, has seen rates in money markets drop to levels that turn banking upside-down.

    这类借款往往行得通,是由于在荷兰、德国、法国这种我国,金融市场的年利率减幅早已让信贷业务出現“下跌”。

    Høegh said Jyske Bank is able to go into money markets and borrow from institutional investors at a negative rate, and is simply passing this on to its customers.

    赫格说,日德兰金融机构可以以流动性陷阱从金融市场和组织投资者那边贷到钱,如今只不过将这类贷款方法用以金融机构顾客。

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最后编辑于: 2020-11-29作者:财米配资君

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