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The history of mortgages is that they have generally over time gotten more easy on loan-to-value ratio and also on maturity.
从抵押贷款的历史来看,随着时间推移,抵押贷款,对于贷款价值比和期限越来越宽松
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He urged revival of the slave-trade in the late 1850s, and he developed a theory of what he called warranteeism--w-a-r-r-a-n-t-e-e-I-s-m.
他促成了十八世纪五十年代后期,奴隶交易的复苏,还自己发明了一套理论,名为抵押品主义
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So, when the mortgage ends, you're just clear and free; you don't have to pay anything--nothing comes at the end.
因此,抵押贷款正好在到期时全部还清,贷款期末你不再偿还任何金额
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But you'd like to write your program not in terms of floats and ints and lists, but in terms of mortgages, and CDOs, and all of the objects that you read about in the paper, the types you read about.
但是你可以不基于,浮点型，整型还有链表来进行编程，而是基于一些房贷类，债务抵押债券类来编程,甚至那些你在报纸上看到的类。
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What this equation merely says is that the present value of your remaining payments is always equal to the mortgage balance.
这个等式说明了,剩余偿还额的现值,就等于抵押贷款的余额
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Then I want to talk about mortgages, which is the way that we finance both commercial and owner-occupied real estate.
然后再讲一下抵押贷款,它可以为,商业地产和自住房产提供融资
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But, the assumption was, well, when five years comes up you refinance the mortgage; you get a new one.
不过,如果假设,你在五年末又重新申请了抵押贷款,你则得到了一个新贷款
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Subprime" Refers to the mortgages that were made mostly over the last ten years or so to subprime borrowers.
次贷"指的是,大约在最近10年中,提供给次级借款人的,住房抵押贷款
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If you put a property up as collateral, then the lender knows that they can get the money back from you.
如果你以资产作抵押,贷方就知道债务偿还有了保障
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You go to a bank and say, I want to borrow to refinance my mortgage, which is due now.
你去跟银行讲,由于现在的处境,我想再申请已到期的抵押贷款
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Default rates are shooting up and valuation of securitized subprime mortgages have crashed and it's throwing turmoil all over the financial community.
违约率飞速上升,对于次级抵押贷款的估值也失效了,这还导致了整个金融系统的混乱
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That's happened now primarily as the result of losses in, now all mortgages, but mortgages and levered loans.
这正在发生，主要是因为，现在所有的抵押贷款，包括抵押贷款和杠杆贷款上的损失。
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Since the 1990s, we've seen a proliferation of new kinds of mortgages that especially are offered to low-income people by certain lenders.
从20世纪90年代,我们看到一种新型抵押贷款在快速发展,它由特定贷款人向低收入人群发放
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Part of--this is the--it's not loan-to-value ratio-- this is the ratio of mortgage debt to personal consumption expenditure.
这并非贷款价值比率的问题,一定程度上,是抵押率的问题,即负债对个人消费支出的比率
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There have been many changes in our mortgage institutions that might be part of the reason for the boom in home prices.
我们的抵押机构,已经发生了许多变化,这些变化可能是,房价高涨的部分原因
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The collateral could be a number of things including mortgages--securitized mortgages that are risky and dangerous assets.
抵押品可是很多种东西,包括抵押贷款-证券化按揭贷款,这种有风险的，危险的资产。
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An originator is a company that lends money to households; they raise money and then they lend it out as mortgages to households.
原始权益人是指借钱给购房者的公司,他们先进行筹资,接着,通过抵押贷款方式向购房者放贷
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When you mortgage a property that means that you offer the property as collateral for a loan.
当你通过抵押贷款购买一项财产意味着,你需要抵押这项财产的所有权以获得贷款
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Now today, the standard mortgage, which you would probably get when you buy your first house, is not fifteen or twenty--it's thirty years.
今天,标准的抵押贷款,当你买第一套房子时你或许就能得到,期限不是15或者20年,而是30年
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The FHA went further than the HOLC; they demanded that mortgages be twenty years and also self-amortizing.
联邦住宅管理局比房主贷款公司更进一步,他们约定抵押贷款,可以在20年内进行分期偿还
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We have to--what we've seen recently-- we had more government intervention back then in the mortgage industry.
我们最近看到了,我们不得不让政府,更多地来干预抵押贷款行业
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So Savings and Loans, traditionally, have made most of their loans in the form of home mortgages.
所以传统的储贷协会,所发放的贷款多为购房抵押贷款
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A mortgage lender doesn't want to lend more than the property is worth because that would mean a loan-to-value ratio over one.
抵押贷款的贷方,借给你的钱不会超过财产本身价值,因此贷款价值比率就会大于1
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I guess most people think thirty years is long enough, but that's the way mortgages go ever since.
我猜大多数人都认为30年足够长了,这是抵押贷款的演变过程
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So, the banks said, of course we'll do that; that created a major change in mortgage lending.
所以银行说,我们当然愿意这样,这是抵押贷款的一个巨大的变革
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A typical home--a conventional thirty-year-- this is what most people get today and that's--except for subprime.
一个典型的住宅,期限一般是30年,除了次级贷款之外,今天大部分抵押贷款期限都是30年
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It was really the government that made the switch from five-year mortgages to the long-term mortgages.
这实际上是政府主导的改革,从五年抵押贷款变成更长期限的抵押贷款
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The Fed is effectively just saying we'll take those assets as collateral for loans to you.
美联储有效率地说,我们将把那些资产视为你们贷款的抵押品。
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People on Wall Street found that difficult to say -Federal National Mortgage Corporation- so they nicknamed it Fannie Mae; it sounds like a woman's name.
华尔街的人觉得这名字很拗口,联邦,国民,抵押,贷款,协会,所以给它起了个昵称,房利美,这听起来像个女性名字
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The typical -I'm going to talk about the conventional thirty-year mortgage, which has been a standard in the United States ever since the early 1950s.
典型的抵押贷款,我先介绍普通30年期抵押贷款,从20世纪50年代初起,它就是美国抵押贷款的标准期限
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