房主贷款公司说,别担心,如果房主不还款,我们来还。
事实上,参议员克里斯托弗·多德,已向国会提交了议案,意思就是要求恢复房主贷款公司。
In fact, our own Senator Christopher Dodd has a bill in Congress right now to bring back the HOLC, basically.
他已经想出了一个新名字,我想应该是叫做住房资产保护公司,但是这几乎跟房主贷款公司是一样的。
He has a new name for it -i think it's called Home Equity Protection Corporation -but almost the same idea.
现在国会里有很多人都在讨论这个问题,我们需要思考关于,能用来保护个人权益的新法规,像房主贷款公司和联邦住宅管理局的制度。
We need — and there's a lot of talk in Congress right now -we need to think about new regulations that protect individuals, much like the regulations that the HOLC and the FHA made.
贷款服务商——收款并与房主打交道的公司——通常代表它们的投资者行事,而这些投资者之间常常存在利益冲突。
Mortgage servicers — companies that collect payments and work with homeowners — typically act on behalf of those investors, who often have competing interests.
这些投资者中包括数量不多但持续增加的房主,他们以日圆借入抵押贷款,用于在日本以外地区购房;还包括通过网上经纪公司出售日圆的个人投资者,他们往往以很高的杠杆比例实施交易。
These investors included a small but growing number of homeowners taking out yen-based mortgages for houses outside Japan, and individuals selling yen through online brokers, often at high leverages.
这些投资者中包括数量不多但持续增加的房主,他们以日圆借入抵押贷款,用于在日本以外地区购房;还包括通过网上经纪公司出售日圆的个人投资者,他们往往以很高的杠杆比例实施交易。
These investors included a small but growing number of homeowners taking out yen-based mortgages for houses outside Japan, and individuals selling yen through online brokers, often at high leverages.
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