搶在鬼門開前成交
New mortgage approvals by Taiwan’s five major state-run banks hit a 30-year high of NT$121.739 billion in July.
台灣五大國營銀行7月份新批房貸達到新台幣1,217.39億元，創下30年來的新高。
state-run國營的billion(n.)十億million(n.)百萬
Data from the central bank released on Aug. 22 also shows that July was the third consecutive month in which new mortgages exceeded NT$100 billion.
央行8月22日的數據也顯示，7月是連續第三個月份新增房貸超過1,000億元。
consecutive(adj.)連續的;無間斷的exceed(v.)超過、超出(數量)=surpass
The Taipei Times reported on Aug. 23 that the total new mortgages in July increased by 20.27% — or NT$20.518 billion — compared to June.
台北時報8月23日報導，7月新增房貸較6月成長20.27%，成長幅度達205.18億元。
compared to～與～相比
Additionally, the total represented a 116% year-over-year increase from July 2023, according to Formosa News.
此外，根據民視新聞報導，房貸總額與2023年7月相比，增加了116%。
represent(v.)代表year-over-year increase年增率
The central bank explained that July’s record total could be attributed to more home buyers wanting to close deals before Aug. 4, which was the first day of the lunar calendar’s Ghost Month.
央行解釋，7月總額創下新高，可能是因為許多買家希望在8月4日鬼門開之前成交。
record(adj.)創紀錄的;空前的be attributed to被歸因於～close a deal成交=finalize a purchase
The five banks issuing these new mortgages were the Bank of Taiwan, Land Bank of Taiwan, Taiwan Cooperative Bank, Hua Nan Commercial Bank and First Commercial Bank.
核貸五家銀行分別是台灣銀行、台灣土地銀行、合作金庫、華南商業銀行和第一商業銀行。
issue(v.)發行(n.)問題、議題commercial(adj.)商務的;貿易的commercial law商業法
The Taipei Times noted that of the total approved, NT$46.54 billion came from preferred-rate mortgages offered to first-time homebuyers through a special government plan.
台北時報指出，在這些銀行核貸的總額中，465.4億元來自政府首次購屋者方案的優惠利率房貸。
approved(adj.)(被)批准的prefer(v.)寧可;偏好prefer A to B比起B，更喜歡Arate(n.)率;比率preferred-rate優惠利率first-time(adj.)首次的
Meanwhile, central bank data shows that the average mortgage rate charged by these five banks rose to 2.187% in July, an increase of 0.003 basis points compared to June.
同時，央行資料顯示，這五家銀行7月份的平均房貸利率升至2.187%，與6月份相比提高了0.003個基點。
charge(v.)收費
July’s record-high new mortgage figure is part of a larger trend.
7月的新增房貸數字創下歷史新高，是更大趨勢的一部分。
record-high(adj.)創歷史新高的figure(n.)數字;數據be part of～屬於～的一部分trend(n.)趨勢consumer trend消費者趨勢social trend社會趨勢trending(adj.)熱門的trending topic熱門話題
In the first seven months of 2024, new mortgages approved by the five state-run banks totaled NT$672.99 billion — a record amount for the period and an 84.34% year-over-year increase.
在2024年前七個月，五大國營銀行核准的新房貸總額達6,729.9億元，創下這段期間的歷史新高，同比增長84.34%。
total(v.)總數達;合計為
As a result, many have been saying that Taiwan’s real estate market is overheating.
因此，許多人一直表示台灣的房地產市場過熱。
as a result因此=consequentlyreal estate房地產over-過度的
To cool off the housing market, the government has already begun taking action, such as increasing bank reserve ratios and introducing new credit controls.
為使房市降溫，政府已經開始採取行動，例如提高銀行存款準備金比率和推出新的信貸管制措施。
cool off降溫、冷卻housing(n.)住房;住宅public housing國宅;公共住宅take action採取行動=implement measuresreserve ratio準備金比率ratio(n.)比例;比率