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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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Adjustable rate mortgages have a long term -they might last for thirty years -but the interest rate is not fixed for the whole thirty years.
可调利率抵押贷款的期限很长,也许会长达30年,但是利率在30年间并不是固定的
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It started offering, indirectly, but started offering mortgages to all these people who couldn't refinance.
它间接地,向那些无法重新申请抵押贷款的人,提供贷款
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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 idea was that they would help advance the mortgage market by buying up mortgages from mortgage originators and therefore allowing them to make more mortgages.
其主旨就是通过,从抵押贷款的原始权益人手中,购买这些债权来促进市场的发展,那些原始权益人就可以去放更多的贷款
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The subprime mortgage market was bringing people into the mortgage market who in prior decades would not have been involved-- would not have had any mortgage.
次贷抵押信贷市场,把十多年前那些,不能获得抵押贷款的人,带进了抵押信贷市场
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The government said the private sector, with these kinds of mortgages, is not doing things right; it's not planning for our future in the right way.
政府认为那些私人领域的,抵押贷款公司,做得很糟糕,没有为我们的未来做出正确的规划
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You can see that in the early 1950s mortgage debt was only something like 25% of personal consumption expenditure, but now it's up to about 100%.
抵押贷款在20世纪50年代,只占个人消费支出的25%,现在却占到几乎100%
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Now, if that happens these homes are the collateral to the banks for all these mortgages and we're going to have -and probably do have already--a recession.
如果那种情况发生了的话,这些房子是银行对房屋抵押贷款的唯一担保品,那我们将会面临,-很可能现在正在面临着--经济衰退。
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A peculiar property of this is that the mortgage balance falls slowly at first and then it gradually picks up; it's just a property of this formula.
其中一个特别的性质是,刚开始抵押贷款余额降得很慢,渐渐的,越降越快,这就是这个公式的性质
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