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pos機里面so額度是什么意思
什么是利率鎖定？
What is Rate Lock?
利率鎖定，是銀行推出的一個利率上升風險控制的服務。在您貸款申請時，可以選擇使用這個服務來鎖定您的固定利率60到90天。
Rate lock, is a service provided by the bank to lock the fixed rate for 60 to 90 days during a mortgage application process. This is to keep your fixed rate from rising between the time you apply for a loan and the time the loan settles.
固定利率的貸款申請，在遞交貸款申請和最終成交這段期間內，固定利率是可能發生改變的。而您最終得到的固定利率往往是在貸款成交那天的固定利率。換句話說，您的貸款申請表上，甚至貸款合同上顯示的固定利率往往也只是供您參考，并不一定是您最終能夠得到的利率。
Fixed interest rate may change during a loan application. And the fixed interest rate you are going to get, is bank’s advertised fixed rate on the day that the loan settles. In other words, the fixed rate showing on your loan application form or on your loan contract is indicative only, and is not necessarily the final rate that you are going to get on settlement day.
這時利率鎖定服務，就可以使您享受到未上升前的低固定利率。
So the rate lock service, will enable you to get the low fixed rate before the rate rise.
什么時候應該鎖定利率？
When Should You Lock a Mortgage Rate?
預測住房貸款利率有點像預測股市，利率可能會漲也可能會跌。而在借貸市場利率上升的大環境下，遇到不錯的固定利率最好就趕緊鎖定。
Trying to predict home loan interest rate is kind of like forecasting the stock market, and the rates could be up one day and down the next. But if the market is expecting an increase in the interest rate, then you should try to get the best fixed rate you can earn and lock it in asap.
特別是當您的住房貸款以一個不錯的固定利率獲批，這時候就可以考慮鎖定利率了。
Especially if you’re approved for a home loan at a fixed rate that you’re comfortable with, it might be the time to consider locking your rate.
如何鎖定貸款利率？
How to Lock in a Fixed Rate?
您的貸款機構可能會在您的貸款申請提交后和房屋交割之前接受您的利率鎖定申請，但利率鎖定政策會因不同貸款機構而異。
Your mortgage lender may accept your rate lock request after your loan application is submitted and before it settles, though rate lock policies vary by lenders.
銀行和借貸機構的利率鎖定費用會根據貸款金額和期限有一定差異，并以貸款額度的百分比來衡量計算。市場上也有一些銀行和貸款機構會免除利率鎖定的費用。
Rate lock fees vary according to the loan amount and term of the loan, and are measured in basis points. There are some lenders in the market that are waiving the rate lock fees too.
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