我有时发现偿还抵押借款是个负担。
I sometimes find it a strain to be responsible for the mortgage.
我们历经十五年的时间还清了抵押借款。
一般的抵押借款，偿还包括本金和利息两部分。
With a conventional mortgage, the payments consist of both capital and interest.
他们不应该用抵押借款过多。
这些做法损害了契约的神圣性，他说，同时使每个人都更难获得抵押借款。
They undermine the sanctity of contracts, he said, while making mortgages harder to gain for everyone.
次级、付息及其它抵押借款工具允许人们在不预付定金和资本净值未不断增值的情况下购买房屋。
Subprime, interest-only and other kinds of mortgage instruments allowed people to buy their homes without a down-payment and without building up equity.
灾难始于美国次级抵押借款违约，这是为扩大穷人拥有自有住宅而设计的金融工具。
The disaster began with defaults on American subprime mortgages, a financial instrument designed to spread home ownership among the poor.
因为人们必须偿付抵押借款，这样就增加了他们的家庭资本净值，并较其它所为可存更多的钱。
Because people have to pay off a mortgage, they increase their home equity and save more than they otherwise would.
“房屋开工率正在继续与4%的抵押借款利率相互争斗，”他说。
"Housing starts are continuing to struggle with mortgage rates at 4%," he says.
于是出于困境中的银行，现在银行的问题在于，他们持有自己买的，证券化按揭贷款，而房屋持有者却，对抵押借款拖欠。
Troubled Banks then who have this the problem Banks have now is they have these securitized mortgages that they've bought and the homeowners are defaulting on the mortgages now.
通货膨胀也解释了抵押借款的缺乏，现在扩散至其他拉美国家。
Inflation also explains the scarcity of mortgages, now widespread elsewhere in Latin America.
现今的地产大王们可以以地产的价值作为抵押借款，并利用出租所得现金流偿付利息支出。
Today's property barons can borrow against the value of the assets and use the cashflow from rental income to meet the interest payments.
另外它还愿意扩大担保的范围（准备接受抵押借款）。
It also widened the collateral that it was prepared to accept to include mortgage loans.
新法使得房主再融资更容易，以房屋价值抵押借款。
The new laws made it easier for households to refinance their mortgages and borrow against the value of their homes.
在美国、爱尔兰和西班牙，房主可将所支付的抵押借款利息从其须纳税的收入中扣除。
In America, Ireland and Spain, homeowners can deduct mortgage-interest payments from taxable income.
一些地方（美国，爱尔兰和西班牙）会给抵押借款利息支付以适当减税。
Some places (America, Ireland and Spain) give tax relief on mortgage-interest payments.
大约有1000万美国人处于“负资产”状态，即其抵押借款成本超过了房屋价值。
Roughly 10m Americans are in negative equity-ie, the cost of their mortgage exceeds the value of their home.
他称，抵押借款者有足够的伸缩空间来延长还款期限。 西班牙的银行相当健全，有能力应付违规操作情况增多的局面。
Mortgage-holders have plenty of wiggle-room, he says, to extend payment periods.
马克说，“因为我们已经非常接付清近抵押借款了，所以我猜测银行就是想取消我们的抵押品赎回权。”
"I suspect the bank wanted to foreclose because we were so near to paying off the mortgage," says Mark.
应付抵押借款、长期租赁、应付长期票据，以及应付债券都是长期负债的一些例子。
Mortgages payable, long-term leases, long-term notes payable, and bond payable are a few examples of long-term liabilities.
由此可见问题的部分真正原因是在于抵押借款，而非借款人，这意味着次贷危机是一种金融市场混乱及房地产市场的混乱。
Since the real problem lay partly in the mortgages, rather than the borrowers, this suggests the subprime crisis was a financial-market mess, as well as a housing one.
经济衰退期间，加拿大银行削减了其基准利率(至0.25%)，注入了额外的流动资产，买下了全部的抵押借款有价证券。
During the recession the Bank of Canada cut its benchmark interest rate (to 0.25%), injected extra liquidity and bought up mortgage-backed securities.
事实上并非如此，他说：许多父母为了支付学费而作出牺牲：再次抵押借款买房子或请求祖父母帮忙。
Not so, he says: many parents make sacrifices to pay school fees, remortgaging houses or asking grandparents for help.
在可能发生洪灾的地区，你的房产抵押借款人可能会要求你购买这种保险。
In areas prone to floods, your mortgage lender may require you to buy the coverage.
正如前面说到的，如果你住在洪灾发生的高危地段，你的房产抵押借款人会坚持要求你购买洪灾保险。
As noted, if you live in a high-risk area for flooding, your mortgage lender will insist you buy flood insurance.
但是现在信贷危机和庞大的赤字规模使得抵押借款变得更困难了，并且成本也更高了。
But the credit crunch, and the deficit's size, is making this harder and more expensive.
“负分期付款”抵押借款甚至可允许人们每月仅付部分利息，并将剩余部分加到贷款本金中，增加的是其贷款额，并不是存款额。
"Negative amortisation" (neg-am) mortgages even let people pay only part of their interest each month and to add the rest to the principal, increasing their debt, not their savings.
他们将变得更糟糕是基于这个显而易见的理由：因为更多人会对他们的抵押借款违约。
They'll get worse for the obvious reason: because more people will default on their mortgages.
关于可放入担保池的担保资产类型的严格标准对于安抚投资者来说是必要的，但同时排斥了很多抵押借款。
Strict criteria on what assets can be used in the cover pool are necessary to reassure investors, but will leave many mortgage loans out in the cold.
我们今年必须还清这笔抵押借款。
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