Aug 20 10:27
2 mos ago
16 viewers *
English term
New Zealand
Highest, strongest, best
Native in: Chinese 
Works in: English to Chinese, Chinese to English, English
Initial Advance
English to Chinese
Bus/Financial
Medical (general)
Specific Loan Terms
(a) Holding Fee: (If the Initial Advance is not made on the Commencement Date, a holding fee of 15% per annum of the Loan Facility (calculated on a daily basis) is to be paid until the date the Initial Advance is made.
(b) Legal Fee: the Lender's legal fees and disbursements in connection with the preparation and execution of this Agreement and in connection with the transactions contemplated under this Loan Facility.
Each fee listed in paragraphs (a) to (b) above shall be capitalised and added to the Loan Facility (the maximum amount of which shall be increased accordingly) and shall itself bear interest, except, in the case of the fees referred to in paragraph (a) to (b) above, to the extent they are paid in cash on or prior to the Date of Advance of the Initial Advance.
首笔放款？初始放款？
我的理解是由贷款方发放给借款方的第一笔贷款
(a) Holding Fee: (If the Initial Advance is not made on the Commencement Date, a holding fee of 15% per annum of the Loan Facility (calculated on a daily basis) is to be paid until the date the Initial Advance is made.
(b) Legal Fee: the Lender's legal fees and disbursements in connection with the preparation and execution of this Agreement and in connection with the transactions contemplated under this Loan Facility.
Each fee listed in paragraphs (a) to (b) above shall be capitalised and added to the Loan Facility (the maximum amount of which shall be increased accordingly) and shall itself bear interest, except, in the case of the fees referred to in paragraph (a) to (b) above, to the extent they are paid in cash on or prior to the Date of Advance of the Initial Advance.
首笔放款？初始放款？
我的理解是由贷款方发放给借款方的第一笔贷款
Proposed translations
(Chinese)
| 4 +1 | 首笔提款、初始提款 |
jyuan_us
|
| 5 +1 | 首批/笔预付款 |
Randy Wong
|
Proposed translations
+1
4 hrs
Selected
首笔提款、初始提款
Advance 是借款人主动提款的意思。
贷方提供了贷款额度，何时开始使用贷款就借方决定，提款initial advance在合同生效后又借方来进行，所以应为提款。
也可以用“计提”
--------------------------------------------------
Note added at 10 hrs (2024-08-20 21:23:54 GMT)
--------------------------------------------------
借贷合同生效后，贷方提供了一个贷款额度，比如1万元。借钱的一方在这个额度内随时提款，但是贷款方是希望借款人在合同生效当天就把这1万元提出来的，这样它才可能挣到利息。那么，如果价款方拖延提款的时间，贷款方就少挣了利息，设计holding fee的意思是对这种利息损失的补偿。
在这个上下文中，Advance 只能是指借款的一方把钱提取出来，而没有贷款人把款项放出来、拨付给借款人的意思。
在”If the Initial Advance is not made on the Commencement Date,“中，Initial Advance只能是借款人的行为，贷款方没有道理做这样的拖延，因为贷款方要挣借款人的利息，它是一天也不会拖延的。借款方刚好相反，拖一天就节省一天的。就是为了防止借款方的这种拖延的做法，才有了holding fee的措施。
--------------------------------------------------
Note added at 23 hrs (2024-08-21 09:36:39 GMT)
--------------------------------------------------
loan facility 不需要放款，见字典上的解释：
an arrangement where a person or organization can borrow money up to a particular amount if and when they need it:
The industry was granted a government-backed £410m loan facility to prevent it from going bust.
The recent increase in production is helping the company generate plenty of cash for deals, leaving much of a $100m loan facility untouched.
https://dictionary.cambridge.org/us/dictionary/english/loan-...
--------------------------------------------------
Note added at 23 hrs (2024-08-21 10:04:16 GMT)
--------------------------------------------------
一个贷款公司，签了合同却不予以放款，或者不及时放款，这是不太可能的事。在何时放款方面应该是有法规的，因为不及时放款而违反了法规，这种公司可能会失去营业许可证的，而不仅仅是受惩罚的问题了。
美国这边说起advance，都是提款、取现金的意思，drawdown第一次读到，查了字典才知道它的意思。
--------------------------------------------------
Note added at 23 hrs (2024-08-21 10:25:43 GMT)
--------------------------------------------------
“就是对于借款方，接受授信（FACILITY）本身并不产生利息，只有从授信中提款才产生利息，所以贷款方才制定条款迫使借款方及时提款。”----对的。这个说法成立了，这几个问题就都会迎刃而解了。
贷方提供了贷款额度，何时开始使用贷款就借方决定，提款initial advance在合同生效后又借方来进行，所以应为提款。
也可以用“计提”
--------------------------------------------------
Note added at 10 hrs (2024-08-20 21:23:54 GMT)
--------------------------------------------------
借贷合同生效后，贷方提供了一个贷款额度，比如1万元。借钱的一方在这个额度内随时提款，但是贷款方是希望借款人在合同生效当天就把这1万元提出来的，这样它才可能挣到利息。那么，如果价款方拖延提款的时间，贷款方就少挣了利息，设计holding fee的意思是对这种利息损失的补偿。
在这个上下文中，Advance 只能是指借款的一方把钱提取出来，而没有贷款人把款项放出来、拨付给借款人的意思。
在”If the Initial Advance is not made on the Commencement Date,“中，Initial Advance只能是借款人的行为，贷款方没有道理做这样的拖延，因为贷款方要挣借款人的利息，它是一天也不会拖延的。借款方刚好相反，拖一天就节省一天的。就是为了防止借款方的这种拖延的做法，才有了holding fee的措施。
--------------------------------------------------
Note added at 23 hrs (2024-08-21 09:36:39 GMT)
--------------------------------------------------
loan facility 不需要放款，见字典上的解释：
an arrangement where a person or organization can borrow money up to a particular amount if and when they need it:
The industry was granted a government-backed £410m loan facility to prevent it from going bust.
The recent increase in production is helping the company generate plenty of cash for deals, leaving much of a $100m loan facility untouched.
https://dictionary.cambridge.org/us/dictionary/english/loan-...
--------------------------------------------------
Note added at 23 hrs (2024-08-21 10:04:16 GMT)
--------------------------------------------------
一个贷款公司，签了合同却不予以放款，或者不及时放款，这是不太可能的事。在何时放款方面应该是有法规的，因为不及时放款而违反了法规，这种公司可能会失去营业许可证的，而不仅仅是受惩罚的问题了。
美国这边说起advance，都是提款、取现金的意思，drawdown第一次读到，查了字典才知道它的意思。
--------------------------------------------------
Note added at 23 hrs (2024-08-21 10:25:43 GMT)
--------------------------------------------------
“就是对于借款方，接受授信（FACILITY）本身并不产生利息，只有从授信中提款才产生利息，所以贷款方才制定条款迫使借款方及时提款。”----对的。这个说法成立了，这几个问题就都会迎刃而解了。
Note from asker:
| 那么也就是ADVANCE和DRAWDOWN是同一个概念不同的叫法而已了？ |
| 谢谢。我学到了一点，就是对于借款方，接受授信（FACILITY）本身并不产生利息，只有从授信中提款才产生利息，所以贷款方才制定条款迫使借款方及时提款。 |
4 KudoZ points awarded for this answer.
Comment: "Thank you very much. "
+1
1 hr
Randy Wong
China
China
Native in Chinese
Works in field
China
EN to CN? You're in good hands！
Native in: Chinese (Variant: Mandarin)
Works in: English to Chinese, Chinese to English
Related KudoZ points
:
47
首批/笔预付款
3 3.1. Conditions Precedent to Initial Advance 首批预付款的先决条件
参见
https://wenku.baidu.com/view/58f94b04bed5b9f3f90f1ce2?pcf=2&...
参见
https://wenku.baidu.com/view/58f94b04bed5b9f3f90f1ce2?pcf=2&...
Discussion
可以想象，贷款方不放款会对借款方造成损失，但是下面似乎讲的又是对借款方的处罚。另外我不明白借款方不提款对贷款方会造成什么损失，利息应该从某个双方同意的日期就开始计算，即使借款方不及时使用这笔钱（不提款），贷款方照样收取贷款利息，为什么如果借款方不及时使用这笔钱，借款方需要赔偿贷款方。
可以想象，贷款方不放款会对借款方造成损失，但是下面似乎讲的又是对借款方的处罚。另外我不明白借款方不提款对贷款方会造成什么损失，利息应该从某个双方同意的日期就开始计算，即使借款方不及时使用这笔钱（不提款），贷款方照样收取贷款利息，为什么如果借款方不及时使用这笔钱，借款方需要赔偿贷款方。