核貸更靈活
Buying a first home is not easy for young adults in Taiwan, especially with high property prices and strict mortgage rules.
對年輕人來說，購買第一棟房子並不容易，尤其在房價高漲且貸款規定嚴格的台灣。
especially(adv.)尤其property(n.)房地產property developer房地產開發商
Previously, banks had to follow a rule under the Banking Act, which limited real-estate loans to no more than 30% of a bank’s total deposits and financial debentures.
過去，銀行必須遵守銀行法的規定，不動產放款不得超過銀行存款及金融債總額的30%。
follow(v.)遵守=obey=abide by=conform to=comply withact(n.)法案limit(v.)v限制=restrictdebenture(n.)金融債券、公司債
This cap restricted the number of mortgages banks could approve at the same time.
這個上限限制了銀行同時能批准的房貸數量。
approve(v.)批准、核准
Under the new rules, Youth Preferential Housing Loans are no longer counted toward this 30% cap.
在新規定下，青年安心成家貸款不再計入30%上限。
preferential(adj.)優惠的、特別優待的count toward(s)...算作～的一部分
This change allows banks to approve more loans immediately, reducing waiting times and making funds more accessible to first-time buyers.
這項改變讓銀行能立即核准更多貸款，縮短等待時間，讓首購族更容易取得資金。
accessible(adj.)可取得的;可得到的access(v.)取得、獲得
Banks can also manage their capital more flexibly, especially for this low-risk, government-backed program.
對於這類風險較低、政府背書的貸款專案，銀行也能更靈活地運用資金。
flexible(adj.)有彈性的、靈活的flexibly(adv.)有彈性地、靈活地
The program includes safeguards to ensure responsible borrowing.
此計畫設有保障措施以確保貸款能被妥善使用。
safeguard(n.)保護、保障(措施)(v.)捍衛、保障ensure(v.)確保insure(v.)給～保險
Applicants must personally occupy the property, and penalties apply for misuse, such as subletting or reselling for profit.
申請者必須親自居住在該房屋，若濫用，例如轉租或炒房，將會受到懲罰。
applicant(n.)申請occupy(v.)佔據、居住penalty(n.)罰款;處罰sublet(v.)轉租、分租
Banks still check repayment ability, and the maximum loan amount or long-term mortgage options depend on individual financial situations.
銀行仍會審核還款能力，而最高貸款額度或長期貸款選項則視個人財務狀況而定。
repayment ability還款能力depend on取決於=hinge on
Experts say the adjustment provides significant relief for young homebuyers.
專家指出，這項調整對青年購屋族來說是一大解脫。
adjustment(n.)調整relief(n.)(不快過後的)寬慰;輕鬆;解脫breathe a sigh of relief鬆了一口氣
Although the policy removes previous barriers, some worry that housing prices might rise.
雖然這項政策降低了過去的門檻，但有民眾擔心房價可能再上漲。
barrier(n.)障礙;阻礙;隔閡language barrier語言障礙
Others caution that extending loan periods could encourage overborrowing, leaving some households financially strained if interest rates rise.
也有人提醒，延長貸款年限可能會促使過度借款，若利率上升，一些家庭的財務負擔將增加。
caution(v.)警告sound a cautionary note發出警告extend(v.)延長(時限)financially strained財務吃緊、經濟拮据strain(n.)壓力、緊張
Analysts suggest it may take a month to see the true effect on homebuying, and the ultimate impact on the market is still unclear.
分析師指出，政策對購屋需求的實際影響可能需一個月觀察，而對市場的最終影響目前仍不明朗。
ultimate(adj.)最終的hang in the balance事情尚未有定論、未知好壞