在我国现有的住房抵押贷款保险业务中，存在许多问题。
There are a lot of problems in the existing housing mortgage loan insurance in China.
本文分为四个部分，对构建住房抵押贷款保险体系进行探讨。
The following four sections are included in this thesis to discuss how to build the system of housing mortgage loan insurance.
住房抵押贷款保险，对于化解银行信贷风险、刺激个人住房消费发挥着重要作用。
The insurance of the housing mortgage credit plays an important role on dissolving Bank credit risk and stimulating personal house consumption.
但这不仅使你的抵押贷款需要偿还更多，它还在你的账单中为你增加了FHA抵押贷款保险。
Not only does this make your mortgage payment more expensive, since your financing more of the purchase price, but it also adds FHA mortgage insurance to your tab.
在办理个人住房抵押贷款保险中，保险公司违规支付高额代理手续费已成为保险业的普遍现象。
In mortgage loan insurance, breaching the regulations to pay agency service charge has already been the widespread phenomenon of the insurance industry.
抵押贷款风险十年的历史，抵押贷款保险的银行和保险部门的两个兄弟的门是非常成功的合作范例。
Mortgage risk ten years of history, mortgage insurance for the banking and insurance division of the two brothers with the doors is very successful examples of cooperation.
目前，FHA抵押贷款保险要求预先支付贷款金额的1.75%加上每年保费等于贷款余额1.35%的预付款。
Currently, FHA mortgage insurance requires an upfront payment of 1.75% of the loan amount plus an annual premium equal to 1.35% of the loan's balance.
他们希望扩大保险系统来保护抵押贷款债券。
They want an expanded insurance system to cover failing mortgage-backed securities.
精确机器加工产品联合会的一员罗伯特•齐纳引用了一个俄亥俄州生产商向当地银行贷款但银行要求用他的人寿保险作为抵押品的例子。
Robert Kiener, of the Precision Machined Products Association, cites the case of one Ohio manufacturer whose bank asked for his life-insurance policy as collateral.
在3020亿美元AIG信用保险契约中，大约2350亿美元是卖给了外国银行，而且相关债务是优级住房抵押贷款以及公司债券。
Of the $302 billion in insurance outstanding at A.I.G., about $235 billion was sold to foreign banks and covers prime home mortgages and corporate loans.
过去保险几乎一半市场的债券保险公司在经历错误的抵押贷款赌注后已经削减或破产。
Bond insurers, who used to cover roughly half of the market, have retrenched or gone bust after making bad mortgage bets.
对银行、保险公司和抵押贷款提供者的救助也留下了一些扫尾工作。
The rescues of Banks, insurers and mortgage lenders have also left some cleaning up to do.
你可能会说，美国房地产，是与市政债券保险公司完全不同，但是当房地产行业开始衰退，人们就开始对抵押贷款违约。
The housing sector in the United States, you might say, is completely different from municipal bond insurers; but when the housing sector starts going down, people start defaulting on their mortgages.
第三个方案是，联邦房屋管理局职能依旧，但可以在更广的抵押贷款范围内再保险。
The third option would be to keep the FHA and sell reinsurance on a broader range of mortgages.
但为抵押贷款提供保险的公司财政状况也未必健康，这意味着风险可能会被转嫁。
But the finances of the mortgage insurers do not look that healthy, which may mean the risk ends up back with the siblings.
在发达国家，如果你想开车，雇用工人，或抵押贷款买房，通常都要买保险。
In developed countries if you want to drive a car, employ a worker, or buy a house with a mortgage, you usually need insurance.
所以我们还是走访了美国人口普查局，在那里我们查找到了相关数据，从中我们了解到了业主的平均收入情况，购房时业主需交纳的如房产税，抵押贷款和保险费等。
So we also looked at U.S. Census Bureau data, which shows the average percentage of homeowners' income that goes toward expenses like property taxes, mortgage payments and insurance.
许多保险公司已被房产抵押贷款证券拖垮，只剩两家以没甚吸引力的保金售卖保单。
But many of the insurers have been laid low by their exposure to mortgage-backed securities, leaving just two firms to sell guarantees at less attractive rates.
为美国银行提供存款抵押的美国联邦存款保险公司，估计超过150万的贷款购房者最终会无力履行他们的贷款合同。
The Federal Deposit Insurance Corp, which guarantees bank deposits in America, reckons over 1.5m households will eventually be unable to meet their mortgage payments.
就在10月26日，巴克莱银行宣布收购了标准人寿保险公司的抵押贷款业务。
On October 26th it was announced that Barclays, another big bank, is to buy the mortgage-banking operations of Standard Life, an insurance company.
2004年以来，联邦保险的反抵押住房贷款笔数已经增加了2倍多，去年达到了114,692笔之多。 它们最大的缺点是：交易费用极高。
Since 2004 the number of federally insured reverse mortgages has more than tripled, to 114,692 last year.
最大的结余都在房地产上：抵押贷款、物业税、保险和其他开支。他们卖了昂贵的房子，搬到了便宜的地方。
The biggest saving was simply on real estate: Mortgage, property taxes, insurance and other expenses. They sold their expensive home and moved somewhere cheap.
第四章，就我国现在贷款银行、保险公司及借贷人(被保险人)的在个人抵押商品住房贷款保险业务中的冲突，进行了详尽的分析。
Chapter four, has carried on exhaustive analysis conflict of the insurance business about our country lending bank, insurance company and debtor (the assured) in insurance of the home mortgage now.
我那位退了休的爹和下了岗的娘很快就位发现那些抵押贷款，健康保险，车险，还有每月的开支很难被支付了。
My retired dad and laid-off mom are finding it hard to make the mortgage, health insurance, car insurance, and other monthly expenses.
其中的一个障碍就是没有钱的额外成本下跌家私人贷款抵押保险。
One of the hurdles of a no money down home loan is the additional cost of private mortgage insurance.
首先，抵押贷款公司名称或出现在证书上的保险。
Firstly, the lenders name or the mortgage company appears on the certificate of the insurance policy.
首先，抵押贷款公司名称或出现在证书上的保险。
Firstly, the lenders name or the mortgage company appears on the certificate of the insurance policy.
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