It is expected that in the adjustment of monetary policy, the introduction of restrictions on the second, third son of the lending policies of hearsay suites up to, but as far as I know, although the state has increased the strength of macroeconomic regulation and control, but the banks personal housing mortgage loan approval process and loan LTV and no significant changes, nor introduction of a very specific restrictions on home loans of documents, only to tighten the approval of the relative intensity.
可以预料，在调整货币政策，实行限制的第二个，第三个儿子的贷款政策道听途说套房行动，但据我所知，虽然国家加大了力量，宏观调控，但银行的个人住房抵押贷款审批程序和贷款按揭成数和无显着变化，也采用了非常具体的限制住房贷款的文件，只有加紧批准的相对强度。
By getting loan pre-approval from another lending establishment, a car buyer gets the upper hand when bargaining for a lower rate on a dealer loan.
找贷款预批准贷款另成立汽车买主谈判取得上风时对经销商的贷款利率较低。
Article 24 Loan conversion organs responsible for foreign loan conversion should convert foreign loan of the project in accordance with the approval documents of the State Council and development and reformation department of the State Council on project feasibility report or funds application report and report the information of foreign loan payment and repayment to development and reformation department of the State Council by the end of June and December every year.
第二十四条负责将国外贷款进行转贷的转贷机构，应当根据国务院及国务院发展改革部门对项目可行性研究报告或资金申请报告的批准文件，对项目的国外贷款进行转贷，并于每年六月底和十二月底向国务院发展改革部门报送国外贷款支付和偿还情况。
Article 21 Within 2 years from the approval day of the application report for project funds, if the project has not concluded the agreement of foreign loan conversion, the approval document loses efficacy automatically.
第二十一条项目资金申请报告自批准之日起两年内，项目未签订国外贷款转贷协议的，该批准文件自动失效。
Article 27 In order to assure funds repayment and avoid evading debt, funds-using organizations that have not repay all foreign loan should obtain the written approval of loan conversion organs to arrange the repayment of surplus debt in advance, perform loan repayment responsibility and report related result in writing to development and reformation department of the State Council.
第二十七条为确保对外还款，防止逃废债务，尚未偿还全部国外贷款的项目用款单位，在进行资产重组、产权变更或破产申请前，应当事先征得转贷机构对剩余债务偿还安排的书面认可，落实还贷责任，并将有关结果抄报国务院发展改革部门。
A loan which does not exceed the amount above which onlending is subject to official approval.
指未超过限额的转贷贷款，超过限额须经正式批准。
Commitment charge, fee A fee paid by a borrower to a lender in the period between approval of a loan and disbursement of the loan.
承诺费 指在贷款批准后到开始支付前的时期内，借款人向贷款人支付的一种费用。
Article 6 Applications for mortgage loans: A unit applying for a mortgage shall first go to the State Administration of Exchange Control or its branch office to report its foreign exchange, and sources and amount of funds, and shall upon approval, go to an authorized bank designated by the People's Bank of China to go through the loan application procedures and to fill in a loan application form.
第六条 抵押贷款的申请。申请抵押单位应先到国家外汇管理局或其分局申报外汇、资金来源和数额，经核准后到中国人民银行指定的受托行办理贷款申请手续，填写借款申请书。
A unit applying for a mortgage shall first go to the State Administration of Exchange Control or its branch office to report its foreign exchange, and sources and amount of funds, and shall upon approval, go to an authorized bank designated by the Peoples Bank of China to go through the loan application procedures and to fill in a loan application form.
申请抵押单位应先到国家外汇管理局或其分局申报外汇、资金来源和数额，经核准后到中国人民银行指定的受托行办理贷款申请手续，填写借款申请书。
This kind of idea about organizational design is embodied by the complete organizational division of these three steps of credit examination, approval and investigation in the credit operation that means the departments of business operation, credit examination and risk management, which belong to three different functional sections, respectively perform the functions of research before loan-providing, examination of credit application, and supervision after loan-providing, thereby, the lateral control between different departments can be effected.
这种组织设计思想体现在信贷业务上，就是审、贷、查三程序在组织结构上的彻底分离，即公司业务部、信贷评审部、风险管理部分别实施贷前调查、贷中审查、贷后检查职能，并且三个部门分别属于不同功能块，以此实现部门间的横向牵制。
Pre-qualification does not take your credit into account, so it does not guarantee loan approval.
资格预审不考虑你的信用，所以它并不能保证贷款审批。
This is when your loan is processed, goes through underwriting and final approval.
这是当你的贷款审核，并循承销和最后批准。
All the information on overseas loan limit approval, foreign exchange transfer record and domestic foreign exchange flows would be taken into the SAFE's foreign exchange administration information system of direct investment, which could be helpful for optimizing the statistic monitoring system of foreign exchange transfer on overseas loans.
为防范境外放款可能带来的国际收支风险，在境外放款的具体政策方案设计上，《通知》完善了境外放款的统计监测与风险防范机制，主要体现在：完善了境外放款人和借款人资格管理，对境外放款额度设置了两道量化门槛：境外放款额度不得超过放款人所有者权益的30%，同时不得超过其借款人已办妥相关登记手续的协议投资额，以低者为限；明确了境外放款有效期限；将境外放款的额度核准、境外放款专用外汇账户、境内外汇资金划转以及汇出入等纳入国家外汇管理局直接投资外汇管理信息系统，构建了比较完善的境外放款外汇资金流出入统计监测机制；设定了国家外汇管理局可以根据我国国际收支形势和境外放款情况，对境内企业放款资格条件、来源、数量以及期限等进行适时调整的保障条款等。
The SAFE is responsible for the business guidance and the implementation of relevant policies. As for the administration of foreign exchange transfer, the domestic lender may deal with the transfer and settlement affairs directly in the bank with the approval document of the loan, except for the examination and approval of foreign exchange outward remittance, the repayment of capital with interests and the payment of guarantee through the specified account.
在汇兑管理上，简化境外放款所涉境内划转核准手续，除放款资金由境外放款专用账户汇出境外或还本付息、担保履约等资金由境外汇入境外放款专用账户需经外汇局核准外，资金在境内相关外汇账户与境外放款专用外汇账户之间的划转及结汇，境内放款人可持境外放款核准文件等到银行直接办理，无需外汇局核准。
You loan amount is transferred directly to your bank account upon approval.
贷款额是你对你的银行帐户直接转入经批准。
Has your loan officer structured your construction loan properly and why it's so important to obtaining an approval?
你的贷款结构官贵建设贷款，并适当为什么它这么重要获得批准？
At present, Bank of China, State Development Bank branches as a result of the loan amount in excess of authority, is currently being stepped up to the respective head office reported that the trial, it is learned that the head office has been committed to loans, is awaiting approval, and ICBC, China Construction Bank and Agricultural Bank of China`s 3 million are in the purview of immediate self-provision.
目前银行，中国，国家开发银行分行，由于贷款额超过管理局，目前正在加紧向各自的总部报告说，审判，据了解，总部设在一直致力于贷款，正在等待批准，工商银行，中国建设银行和农业银行，中国的3万人在职权范围内的立即自我规定。
The banking regulatory branch bureau or banking regulatory bureau of the city where the loan company is located shall make a decision on approval or disapproval within 2 months as of the date of acceptance.
银监分局或所在城市银监局自受理之日起2个月内作出核准或不予核准的决定。
Furthermore, Cade and domestic banks is only the intention to sign the loan agreement, to each specific loans, the banks will re-examination and approval, in accordance with specific development projects to carry out risk assessment.
再说，凯德与国内银行目前只是签署了贷款意向协议，到每一次具体贷款，银行还是会进行重新审批，根据具体开发项目来进行风险评估。
According to Industrial and Commercial Bank of China Hainan Branch of the Department of the personal financial business Mr. Su said it is normal, because the individual home mortgage loan formalities have certain principles and steps, first of all, the developers want to sell there is an agreement with the banks before can buy a house mortgage loans; then submitted personal income, marriage, and many units proved; banks have internal investigation, analysis, verification, approval, light this one on the need to spend half a month`s time; In addition, the need for the Housing Authority prove that the mortgage, are often down for a loan is to a month.
根据工业及商业银行的中国海南分公司部个人金融业务的苏先生说，这是正常的，因为个人住房抵押贷款的手续有一定的原则和步骤，首先，开发商要出售有协议之前与银行可以买房子按揭贷款，然后提交个人收入，婚姻，和许多单位证明；银行内部调查，分析，核查，审批，根据这个就需要花费50个月的时间，在此外，需要房屋委员会证明，抵押贷款，往往低于贷款是一个月。