最近一次按揭贷款利率高于6%是在2008年11月。
The last time mortgage rates were above 6% was in November 2008.
国债收益率会影响住房按揭贷款利率等其他信贷成本，它往往会在经济形势改善时上扬。
Treasury yields, which influence other credit costs like home mortgage interest rates, tend to rise when the economy is stronger.
在贷方持续收紧发出住房贷款的标准是，按揭贷款利率在今年夏天进一步上升。
Mortgage rates rose this summer as lenders continued to tighten their standards for issuing home loans.
这里很清楚的经验是，平均通胀率发生改变最终会导致平均利率的改变，包括按揭贷款利率。
The clear lesson here is that changes in the average inflation rate ultimately lead to changes in average interest rates, including those on mortgages.
美联储的购买计划旨在降低包括按揭贷款、公司债务和其他贷款在内的利率。
The Fed's purchase aims to drive down interest rates on mortgages, corporate debt and other loans.
如果希望消费者有更多支出，解决资不抵债的按揭贷款或许有帮助，但降低涉及数以百万计的美国人支付的信用卡利率，或许会更管用。
If you want consumers to spend more, fixing the mortgages of those underwater may help. But lowering the interest rate millions more Americans pay on their credit CARDS would help much more.
在需求方面，美联储通过购买按揭证券压低住房抵押贷款的利率，同时国会慷慨地为具有资格的买家提供税收减免。
On the demand side, the Federal Reserve held down mortgage rates by buying up mortgage-backed securities, while Congress offered a generous tax credit to qualifying buyers.
如果房主们没有受惠于住房按揭贷款下降的利率的话，情况还会更糟糕。
The decline might have been worse had homeowners not benefited from the sharp fall in mortgage rates.
随着向其他银行借款的成本增加，包括约克郡银行在内的一些贷款银行希望明天尽早上调按揭利率。
Some lenders, including Yorkshire bank, are expected to raise mortgage rates as early as tomorrow, responding to a jump in the cost of borrowing from other Banks.
因为美联储宣布了购买按揭债卷，按揭利率急剧下降，住房按揭贷款业主都纷纷到银行进行再按揭。
Homeowners rushed to rejig their loans when mortgage rates fell sharply after the Federal Reserve unveiled a plan to buy mortgage-backed securities and debt.
随着债券利率和按揭利率双双下跌，购买房屋和再融资的抵押贷款申请数量出现增长。
As bond yields and mortgage rates have dropped, mortgage applications both to refinance and to buy homes have risen.
首先爱尔兰和西班牙的房价是整个欧元区高估最严重的；其次，雪上加霜的是，大部分按揭贷款都以可变利率维系，而其他地区，按揭利率大多都是固定不变的。
In Ireland and Spain home prices are the most overvalued in the zone; worse, the bulk of mortgages are at variable rates. Elsewhere, most mortgage rates are fixed.
该集团表示，30年按揭贷款平均签约利率降至4.75%。
The average conforming 30-year fixed mortgage rate dropped to 4.75%, the research group said.
尽管可变按揭利率的浮动很小(据加拿大央行规定，只有1.75%)，贷款者必须符合贷款资格标准才能获得五年固定利率按揭的资格。
And even though variable mortgage rates are low (just 1.75%, according to the Bank of Canada), borrowers must meet the creditworthiness standards required for a five-year, fixed-rate mortgage.
不断上升的利率也对住房市场起到抑制作用，因为它提高了再按揭或获取新贷款的成本。
Rising interest rates are also acting as a headwind by making it more expensive to refinance an existing mortgage or get a new loan.
自从去年八月由美国按揭贷款引发信用危机以来，官方短期利率以下降了2.25个百分点。
Official short-term rates have now fallen by 2.25 percentage points since the credit turmoil stemming from American mortgages began last August.
国际清算银行称，美国2007年第一季度发放的按揭贷款中，高达40%是那些纯利率或负按揭的贷款。
According to the Bank for International Settlements, a staggering 40% of American mortgages originated in the first quarter of 2007 were interest-only or negative-amortisation loans.
奥巴马上个星期推出的计划鼓励陷入困境的房主办理利率比原来贷款更低的转按揭项目。
Unveiled last week, the Obama plan encourages struggling homeowners to refinance their mortgages at a lower interest rate.
美国的按揭抵押贷款利率已经上升，这对近乎萎靡的房地产市场来讲，无异于雪上加霜。
Mortgage rates in America have risen, casting a further pall over the subdued housing market.
到2007年10月，大约16%的可调利率按揭次级贷款是已丧失抵押品赎回权或90天内到期，约是2005年该比率的3倍。
Approximately 16 percent of subprime loans with adjustable rate mortgages were 90-days delinquent or in foreclosure proceedings as of October 2007, roughly triple the rate of 2005.
在美国，预计中的200万次级可调整利率按揭贷款在未来2年极可能重新调整并提升。
In the United States, an estimated two million subprime adjustable-rate mortgages are expected to reset higher in the next two years.
这还未算上一种叫做期权可变利率的按揭贷款（option ARM），它毒性很强，但很多情况下和次优按揭基本相同。加上它的话，损失将达1兆亿美元。
Add in option ARMs, a particularly virulent type of adjustable-rate loan, many of which are essentially the same as Alt-A, and the potential hit climbs towards $1 trillion.
这是建议，借款人应始终选择固定利率的按揭贷款。
It is recommended that a borrower should always opt for fixed rate mortgage loans.
一些按揭贷款实行利率很高，超出了国家法律允许。
Some mortgage lenders implement very high interest rates that are beyond what state laws allow.
但我们还需要帮助大量家庭保住房子，或者让他们可以利用历史性的低利率转按揭贷款。
But we still need to help a lot more families stay in their homes, or refinance to take advantage of historically low rates.
例如，美联储曾提议将低信用评级的低收入的贷款者的按揭利率超出最优惠利率的范围做一个限制。
For example, the Fed has proposed limits on how much mortgage interest rates can exceed the prime rate for low-income borrowers with poor credit ratings.
例如，美联储曾提议将低信用评级的低收入的贷款者的按揭利率超出最优惠利率的范围做一个限制。
For example, the Fed has proposed limits on how much mortgage interest rates can exceed the prime rate for low-income borrowers with poor credit ratings.
应用推荐