| 1. | Loan restructuring beneficial to both sides
不履行贷款 |
| 2. | About three - quarters of the loans restructured by banks had interest rates reduced
在银行重组的贷款中，约有四分之三是调低利率。 |
| 3. | Loan restructuring beneficial to both sides figures released today show that the number of residential mortgages in negative equity rose to 106 , 000 at the end of june
今日公布的数字显示，截至6月底负资产住宅按揭贷款宗数上升至10万6千宗。 |
| 4. | The increase in the rescheduled loan ratio in recent months indicates that banks have been entering into more loan restructuring arrangements with borrowers
最近几个月经重组贷款比率上升，显示银行与借款人达成的债务重组安排个案有所增加。 |
| 5. | During its discussions with individual ais , the hkma also encouraged ais to adopt a sympathetic approach towards negative equity homeowners seeking loan restructuring
此外，金管局与个别认可机构商讨时，亦鼓励它们尽量体谅要求重组贷款的负资产业主。 |
| 6. | During the transition period , credit providers may access the credit database for the purpose of obtaining relevant credit information to facilitate a loan restructuring about a borrower s debts
H )信贷提供者在过渡期内，可为取得相关信贷资料为借款人作重组债务安排，而查阅信贷资料库。 |
| 7. | For a new loan restructuring , credit providers should notify the borrowers prior to making access to their credit reports unless the loan restructuring is initiated upon request by the borrowers
信贷提供者如为借款人作出债务重组，除非此要求是由借款人提出，否则必须在查阅信贷报告前通知 |
| 8. | Require credit providers to take practicable steps to give prior notification to customers of their intention to make a " review " access to their credit reports unless the " review " is a customer initiated request , or the " review " access relates to an obligation of an existing loan restructuring arrangement concerning debts owed by the customer
D )规定信贷提供者采取切实可行的步骤，事前通知客户，他们欲以检讨理由查阅其信贷报告，除非检讨要求是由客户主动提出，或检讨查阅与借款人现有债务重组安排的责任有关。 |
| 9. | These include assessing new credit applications from customers , facilitating an existing loan restructuring , arranging a scheme of arrangement at the request of the customer , or setting up a loan restructuring arrangement where there is a default in excess of 60 days . the guideline also provides that when the information obtained from the cra reveals that a customer has an unmanageable level of indebtedness and might have genuine difficulty in repayment , ais should not hastily demand immediate repayment of loans or reduce credit lines
指引亦规定，如从信贷资料服务机构取得的资料显示某客户所欠债务可能已超出其可以应付的水平，而该客户可能确实有还款困难，认可机构不应仓卒要求客户即时还款或减少信贷额度，而是依照香港个人财务困难处理守则所定的指引，尽量与客户达成双方可以接受的解决方案。 |
