金融英語閱讀：家居裝修貸款

Loans for refurbishing houses refer to Renminbi consumer loans granted by the lender to borrowers to facilitate their own house refurbishing.
家居裝修貸款是指貸款人向借款人發(fā)放的用于借款人自用家居裝修的人民幣消費貸款。
The length of maturity of a loan for refurbishing houses is usually one to three years, with the longest not exceeding five years inclusive.
家居裝修貸款期限一般為一至三年，最長不超過五年(含五年)，
The specific length of maturity depends on the nature of the borrower.
具體期限根據(jù)借款人性質(zhì)分別確定。
The corresponding lending rate stipulated by the People's Bank of China applies to that on loans for refurbishing houses.
家居裝修貸款利率執(zhí)行中國人民銀行規(guī)定的相應(yīng)檔次貸款利率。
If the length of maturity is within one year inclusive, interest amount shall be computed in accordance with the contracted interest rate, and the interest rate shall remain unchanged in case of adjustment of the legal interest rate; if the term is over one year, the interest rate shall be subject to interest rate adjustment, if any, made by the People's Bank of China.
貸款期限在一年以內(nèi)(含一年)，按合同約定利率計息，遇法定利率調(diào)整時，利率不變;貸款期限在一年以上的，遇法定利率調(diào)整，則按人民銀行關(guān)于利率調(diào)整的規(guī)定進(jìn)行利率調(diào)整。
The ceiling of a loan for refurbishing houses shall not exceed 80% of the total house refurbishing amount.
家居裝修貸款的最高金額不得超過家居裝修工程總額的80%。