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pos机里面so额度是什么意思
什么是利率锁定？
What is Rate Lock?
利率锁定，是银行推出的一个利率上升风险控制的服务。在您贷款申请时，可以选择使用这个服务来锁定您的固定利率60到90天。
Rate lock, is a service provided by the bank to lock the fixed rate for 60 to 90 days during a mortgage application process. This is to keep your fixed rate from rising between the time you apply for a loan and the time the loan settles.
固定利率的贷款申请，在递交贷款申请和最终成交这段期间内，固定利率是可能发生改变的。而您最终得到的固定利率往往是在贷款成交那天的固定利率。换句话说，您的贷款申请表上，甚至贷款合同上显示的固定利率往往也只是供您参考，并不一定是您最终能够得到的利率。
Fixed interest rate may change during a loan application. And the fixed interest rate you are going to get, is bank’s advertised fixed rate on the day that the loan settles. In other words, the fixed rate showing on your loan application form or on your loan contract is indicative only, and is not necessarily the final rate that you are going to get on settlement day.
这时利率锁定服务，就可以使您享受到未上升前的低固定利率。
So the rate lock service, will enable you to get the low fixed rate before the rate rise.
什么时候应该锁定利率？
When Should You Lock a Mortgage Rate?
预测住房贷款利率有点像预测股市，利率可能会涨也可能会跌。而在借贷市场利率上升的大环境下，遇到不错的固定利率最好就赶紧锁定。
Trying to predict home loan interest rate is kind of like forecasting the stock market, and the rates could be up one day and down the next. But if the market is expecting an increase in the interest rate, then you should try to get the best fixed rate you can earn and lock it in asap.
特别是当您的住房贷款以一个不错的固定利率获批，这时候就可以考虑锁定利率了。
Especially if you’re approved for a home loan at a fixed rate that you’re comfortable with, it might be the time to consider locking your rate.
如何锁定贷款利率？
How to Lock in a Fixed Rate?
您的贷款机构可能会在您的贷款申请提交后和房屋交割之前接受您的利率锁定申请，但利率锁定政策会因不同贷款机构而异。
Your mortgage lender may accept your rate lock request after your loan application is submitted and before it settles, though rate lock policies vary by lenders.
银行和借贷机构的利率锁定费用会根据贷款金额和期限有一定差异，并以贷款额度的百分比来衡量计算。市场上也有一些银行和贷款机构会免除利率锁定的费用。
Rate lock fees vary according to the loan amount and term of the loan, and are measured in basis points. There are some lenders in the market that are waiving the rate lock fees too.
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