| 1. | Maintain strong underwriting standards
坚持严格的贷款标准 |
| 2. | Housing loans are not the only area that has seen a weakening of underwriting standards
并不是只有住房贷款市场放松了审核标准。 |
| 3. | However , developments in the past year suggest that borrowers now call the shots and raise nagging concerns about underwriting standards
然而，过去几年的发展表明借款人做最后的决定或者是提出疑义所关心的都是保险标准。 |
| 4. | Moreover , lenders have tightened underwriting standards across the board for both prime and subprime mortgages , making it harder for borrowers to refinance loans
不仅如此，贷款行严格了包括优先、次级抵押贷款债券的现行标准，使得借款人再融资更加困难。 |
| 5. | Hkmc will reserve the right to terminate the arrangement with individual approved sellers if their mortgage underwriting standards are considered not satisfactory
如按揭证券公司认为个别核准卖方的按揭承保标准未如理想，按揭证券公司有权终止该核准卖方参与本计划的有关安排。 |
| 6. | I am confident that the banks are applying the same stringent underwriting standards when considering mortgage loans with second mortgages provided by lenders outside of the banking system
我深信银行在审批附带由非银行机构提供的第二按揭的贷款申请时，会采取同样严谨的审批准则。 |
| 7. | Further supervisory effort will be devoted to ensuring that banks underwriting standards for loans are not compromised through intense competition for business and the subdued demand for loans
此外，金管局在进行监管时，会特别留意确保银行不会因为竞争激烈及贷款需求呆滞而放松了贷款准则。 |
| 8. | Eligible mortgage originators all approved seller servicers of the hkmc . hkmc will reserve the right to terminate the arrangement with individual approved sellers if their mortgage underwriting standards are considered not satisfactory
如按揭证券公司认为个别核准卖方的按揭承保标准未如理想，按揭证券公司有权终止该核准卖方参与本计划的有关安排。 |
| 9. | Mr peter pang , chief executive officer of the hkmc , said , " the current approval turnaround time for mip applications is within two days . as most banks have become fully conversant with the eligibility criteria and underwriting standard of the mip , the hkmc is confident that it can delegate the underwriting of the more straightforward mip applications to the originating banks without affecting the asset quality of the insured mortgages
按揭证券公司总裁彭醒棠先生说：现时的按揭保险申请大部份都可以于两天内完成批核。由于很多银行对按揭保险计划的审批要求及资格准则已相当熟悉，按揭证券公司有信心让银行直接批核一些比较简单的按揭保险申请，将不会影响受保按揭的资产质素，并可加快整个批核程序，为有意置业人士带来方便。 |
