English to Chinese Bus/Financial Business/Commerce (general)

Under the 30% down payment program (70% Loan-to-Value), there are specific criteria that the building must meet: over 90% of the units must be sold; no more than 10% of the units can be owned by one individual/entity; no more than 20% of the building can be commercial; final certificates of occupancy must have been issued for all apartments; and the homeowners’ association must have control of the building. This program requires 12 months of reserves and the maximum loan amount is $1,500,000.

按照此30%的预付款按揭贷款项目（即按揭贷款额达到房产价值的70%），建筑物必须满足如下具体的标准：90%的单位必须已经售出；单一的个人/实体拥有的单位不超过总单位数的10%；商业用途的单位不能超过建筑物的单位总数的20%；所有的公寓必须已经发放了最终入住证书；而且业主委员会必须已经接管了整栋建筑物。此按揭贷款项目需要12个月的准备金，最大贷款额度不超过150万美元。

reserves 翻译成“准备金”是否合适？