嚴格控管房地產融資
The central bank of Taiwan has enforced stricter controls for real-estate financing in an effort to rein in speculation in the local property market.
台灣央行為遏止不當炒房，對房地產融資祭出了更嚴格的控管。
enforce(v.)實施;實行(法律或規定)enforce curfew實施宵禁finance(n.)財政;財務;金融(v.)向…提供資金Ministry of Finance 財政部financing(n.)融資in an effort to RV 為了…=in order to RV=in an attempt to RVrein in 控制、駕馭動詞speculation(n.)推測;推想;揣測、投機行為
The move comes as housing prices continue to go up, with many young people bemoaning that they cannot get a foot on the housing ladder in Taiwan.
有鑑於本地房價持續上漲，許多年輕人抱怨自己買不起房，央行於是祭出打房措施。
bemoan(v.)哀嘆;抱怨=lamentclimb the social ladder力爭上游;出人頭地;階級流動
Under the new rules, the central bank has capped the loan-to-value ratio for corporate buyers for their first property at 60 percent and 50 percent for their second. No grace period is allowed in either case.
新措施規定，公司法人第一戶房貸限貸六成、無寬限期；第二戶以上房貸限貸五成，無寬限期。
cap(v.)對(收費或花費)定限額、限制ratio(n.)比例、比率loan-to-value ratio貸款價值比corporate(adj.)(大)公司的corporate buyers法人property(n.)財產;資產;房地產grace period(欠債還款的)延緩期;寬限期
Governor of Central Bank Yang Chin-long said the measures are aimed at corporate and individual property investors and will not affect first-time homebuyers or those who have real demand or relocation needs.
央行總裁楊金龍說，此次措施主要針對法人和房產投資客，不會影響首購族，或有實際住房及換屋需求的民眾。
be aimed at…=be targeted at…瞄準了;以…為目標或主要對象relocation(n.)搬遷
For individual buyers, the mortgage cap has been set at 60 percent for their third home, and no grace period shall be allowed.
自然人部分，第三戶以上房貸限貸六成，無寬限期。
cap(n.)限額;限制=limit
For luxury homes, the ceiling remains unchanged at 60 percent despite the new tightened rules.
不過高價住宅貸款仍維持目前限貸六成，並無較嚴格的規定。
luxury homes豪宅ceiling(n.)(通常指款項的)上限despite(prep.)儘管=in spite of
In the past, banks had been allowed to extend as much as they wanted to those applying for mortgages.
過去各家銀行得各自按照評估向申貸者提供不同成數的貸款，
extend(v.)提供;給予、延長;使延期
Some banks offered ultra-low interest rates, whereas others granted unreasonably long grace periods.
有些銀行提供超低利率，也有銀行提供過長的寬限期，
ultra-low超低的ultra=ultramarathon超級馬拉松，超馬interest rates利率grant(v.)(通常指官方)同意;准予;授予
Consequently, real-estate lending made up over one-third of banks’ total outstanding loans as of October.
導致截至今年10月，房地產貸款佔銀行未償還貸款總額的比例超過三分之一。
consequently=as a result因此;所以made up=constitute=compose佔…比例outstanding loans未償還貸款