請幫我翻譯英文 ( 中譯英 ) 20點

The private loan market in Hong Kong is extremely competitive with its competitors. Those financial institutions with banking background are making use of the advantage of its low interest rate to help lenders to settle high stake interest personal loan with their financial institutions.

In fact, Chow’s company is competing with the same product as ours that would slice off our business profit/bonus. And more, our company has founded a unique service of Debts Consolidation Loan ten years ago (settle all outstanding balance of credit cards with one single payment) but many other financial institutions have followed our step and widely in use.
Luckily, we still have our unique product of (2nd service mortgage loan – second-handed flats). Will it have the same happenings to us as the Debts Consolidation Loan?

Imagine, when those financial institutions with banking background will stay flat and not gone up anymore in unsecured personal loan market. In order to make a breakthrough in their business, our 2nd service property loan (second-hand flat) market would be again their target for their next development. Consequently, our company can’t raise any interest up to the present 2nd service property loan.

With the system of fixed interest rate ten years ago is the time to be changed into a flexible interest rate system. Giving lenders a flexible mortgage with a prime rate of 6% when the level rate on property mortgage is below 75% in order to attract more potential customers and change the phenomena of fixed interest rate 10 years ago.

With the statistics shown the prime rate of this year is already almost ended, it will be increasing in 2009. Under this circumstance it wont cause any serious concern to our benefit bonus Property owners request mortgage will boast the demand on more property loan therefore our company needs to prepare and prepare the future to launch the 2nd service on second-handed flats plan.

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RE :請幫我翻譯英文 ( 中譯英 ) 20點
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In Hong Kong's private loan market, peer intensified competition, a banking background of the financial institutions to make use of their own advantages subsided, guests to repay higher interest private loans. In fact, weeks of competition in the same products will be thin in business profits, Furthermore, the company as early as 10 years ago, founded by a number of unique card-peer has been widely applied. Now, as we are fortunate that the joy of independence by building a second product Jie. However, if the card will be a number of peer-general was copied? Just imagine, when a banking background of the financial institutions in the unsecured lending market, no room for growth, for the sake of a breakthrough, we in the secondary mortgage market, Yahata become their next development goals. Thus, the company must upgrade the existing two on the competition.
Adopted more than 10 years of a fixed rate system is the time required to floating rate system. When the water level in the mortgaged properties below 75%, give guests floating rate mortgages, such as the prime rate plus 6%. To attract more high-quality customers and from the past 10 years of fixed-rate image.
Data show that, in the middle of this year lending rate has been cut to the end of 2009 began to rise, in this case the profits of our not too serious impact on mortgage lending of the owners of the big demand Zeng, therefore, should now be on the market for the implementation of the proactive programme.

Loans in the private market in Hong Kong, the colleague competes the superheating, has finance of organization the bank background to use itself subsides the superiority, urges the visitor to return the high interest the personal loan.In fact, competition the week line can divide on the same product is thin we in business profit, furthermore, this company is earlier card several which establishes than more than ten years ago is in sole possession of clear has been travelled together widely applies mechanically.Now, rejoices also has equally makes our joyful alone product second to press the building to uncover but could future otherwise like card several clear travel together plagiarizes? Suppose, when has finance of organization the bank background has not risen again when the non-mortgage loan market the space, strives for the breakthrough, our two building mortgage market, the oath must become the goal which they next step develop.Therefore, this company has no alternative but to promote to have two presses it competitive ability.
Continues to use more than ten year fixed rate of interest interest rate system is the time needs to change floats the rest system.When mortgage property water level when 75%, may give the visitor to float the rest mortgage, if the preferential benefit interest rate adds 6 thousandths of a Yuan.As soon as took advantage of this the attraction to be more the high quality customer and changes formerly more than ten year fixed rate of interest images.
Under the data display, amplitude contraction of the preferential benefit interest rate arrived the last act in this year, in 2009 starts to be able to rise, the profit cannot have the too serious influence in this situation to us, to lends money the demand for the building owner to be able to increase, therefore, should be now two presses the market implementation to provide for a rainy day the plan.