One target is deductions for interest paid on home mortgage loans over five hundred thousand dollars.

VOA: special.2010.11.19

Whereas, at the beginning, the mortgage balance is dropping only very slowly because you've got a lot of interest to pay and your mortgage payment is constant.

而在贷款初期,贷款余款减少的则非常缓慢,这是因为还款额是固定的,同时你还要偿付大量的利息

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What that means is that you would borrow $5,000 to buy a house and in five years and every year along the way you'd be paying interest on your mortgage.

它的意思是,你借了5000美元去买一所房子,期限是五年,在这五年内,每年你要归还抵押贷款的利息

耶鲁公开课 - 金融市场课程节选

Your mortgage payment is constant through time but the fraction of it that goes to paying off principal versus interest changes through time and it just changes as dictated by this formula.

抵押贷款每月还款是固定的,但是其中本金和利息的比例关系,会随时间而改变,这是由这个公式所决定的

耶鲁公开课 - 金融市场课程节选

That's because, at the end, if- -suppose you're one month or two months away from the payoff of the mortgage, you don't have any balance left, so the interest that you're paying is -hardly any balance left--is very low and so you're payment is paying off principal, mostly.

这是因为,在最后,如果,假设你还剩1到2个月,就可以还清抵押贷款,那么剩下的贷款余额就很少了,因此你所需要付的利息,将会非常少,因为贷款余额几乎为零,此时你偿还的就主要是本金

耶鲁公开课 - 金融市场课程节选