法律英语词汇“Capitalisation of interest”的翻译、意思、用法、释义-法律词典

单词	Capitalisation of interest
释义	利息資本化 The adding of accrued interest to the principal of a loan. A bank could therefore levy interest on the capitalised interest as part of the principal, that is, to charge compound interest. This right of a bank has been judicially recognised as an ‘usage of bankers’ and is implied in the banker-customer relationship. However, in a mortgagor and mortgagee relationship, the right to capitalise interest must be found in the mortgage: National Bank of Greece SA v Pinios Shipping Co No 1 (The Maira) [1990] 1 AC 637, [1990] 1 All ER 78 (HL); Nanyang Commercial Bank Ltd v Chan Hon Wing (t/a Kam Wing (HK) Trading Co) & Ors [1989] 1 HKC 256. It is however illegal for other financial institutions like licensed money lenders to make agreements to charge compound interest apart from a provision to charge simple interest on both principal and interest from the date of default: Money Lenders Ordinance (Cap 163) s 22. 將所賺取的利息加到貸款本金之上。銀行可以資本化的利息作為本金而收取利息，即收取複利。銀行該等權利獲法庭承認為銀行的慣例，在銀行與顧客之間關係隱含。但對於承按人與按揭人之間關係，利息資本化的權利必須有按揭作為基礎：National Bank of Greece SA v Pinios Shipping Co No 1 (The Maira) [1990] 1 AC 637, [1990] 1 All ER 78（上議院）; Nanyang Commercial Bank Ltd v Chan Hon Wing (t/a Kam Wing (HK) Trading Co) & Ors [1989] 1 HKC 256。但若其他財務機構（例如持牌放債人）訂立貸款協議以收取複利，即屬違法；協議若有規定本金或是利息，到期而有所拖欠，則放債人有權就該筆款項收取單利，而利息由拖欠日起計：《放債人條例》（第163章）第22條。
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