住房按揭贷款自开办以来，已初具规模。
The housing mortgage loan has already been on some scale since it appeared.
而且个人住房按揭贷款本身也需要不断完善。
And personal house mortgage loan is it perfect constantly to need too.
个人住房按揭贷款风险的预防研究和案例分析。
Prevention research and case analysis of the mortgage loan risk of personal house.
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.
因此，住房按揭贷款资产证券化在我国已迫在眉捷，是中国住宅商品化的出路。
So securitization of secured loan assets about housing is very necessary, and it is the way to Chinese housing commercialization.
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.
住房按揭贷款本质上是一种非典型物权担保形式，现在法律、行政法规中被视为抵押。
The personal housing mortgage loan is a non-typical guarantee form of material right actually, which be regarded to mortgage in low and regulations.
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.
认为住房按揭贷款证券化是一个较有效的方法，能够较好地降低商业银行经营风险和提高资产流动性。
We take the securities of the housing mortgage loan as an effective method, which can effectively decrease the commercial bank's operation risk and raise the asset's fluidity.
据悉，光大银行此次在国内同业首家推出的个人住房按揭贷款的衍生产品，有效拓宽了个贷业务服务范围。
Reportedly, China Everbright Bank launched the first in the domestic industry with the personal housing mortgage derivative products effectively broadened the scope of services of credit operations.
彭伯顿先生从去年夏天开始就不再偿付住房按揭贷款了，他说：“房子不再是我们的负累，反而成了救生筏。”
"Instead of the house dragging us down, it's become a life raft," said Mr. Pemberton, who stopped paying the mortgage on their house here last summer.
个人住房按揭贷款的诞生，既源于房地产业迅猛发展的市场需要，又源于银行对新的利润增长点的内在需要。
The mortgage loan of personal house comes from real estate swift and violent market of development need and the need of getting profits.
到目前为止，该计划已成功拯救了数十万住房按揭贷款人，但这一成绩在不断飙升的房屋止赎案例数量面前却显得微不足道。
So far, it’s managed a couple of hundred thousand mortgages, but that’s been dwarfed by the rising number of foreclosures.
住房按揭贷款提供者认为他们始终能够卖出与华尔街公司发行的抵押债券绑定在一起的住房贷款，因此他们将信贷推广至任何人。
Home lenders, thinking they would always be able to sell the loans they made to Wall Street firms for bundling together into mortgage bonds, extended credit to just about anybody.
所以我们有 11 万亿住房按揭贷款建立在这种理论基础上，那些按揭人的实际收入变得不再重要，因为房子本身会不断增值。
So you had 11 trillion of residential mortgage debt built on this theory that who was borrowing it, what their income was really wasn't that important because the house itself had to go up in price.
以目前为止表现还不错的住房按揭贷款为例，在一个失业率接近25%的国家，只有不到3%的住房按揭贷款开始出现问题，这令人惊讶。
Less than 3% of residential mortgages have started to wobble, a surprise in a country where unemployment is close to 25%.
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.
很多住房按揭已经被原贷款人卖断，业主律师通常会通过询问他们是否拥有这些贷款来利用这种情况。
Many mortgages were sold by the original lender, a circumstance that homeowners' lawyers try to exploit by asking them to prove they own the loan.
美国抵押贷款银行家协会的报告说，在去年年底，超过10%的美国按揭户已经迟交按揭费或丧失了住房赎回权。
The mortgage Bankers Association reports that more than 10 percent of American mortgage holders were either late in payments or in foreclosure at the end of last year.
紧随其后的是重组国家农业、住房和按揭抵押贷款市场的各项法案。
Bills to reorder the nation's agriculture, housing and mortgage markets followed in short order.
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.
“联邦住房部”下周也将展开一项额外努力来帮助大量陷入困境的房屋主人为他们的可调按揭贷款再次提供借款。
The Federal Housing Administration will also begin an expanded effort next week to help a larger group of troubled homeowners refinance their adjustable mortgages.
高房价、住房短缺和按揭贷款紧缩是造成这一期望转变的原因。
High prices, a shortage of homes and a mortgage drought are being blamed for driving a change in expectations.
在佛罗里达州，住房按揭借贷人平均拖欠贷款518天就会被法院强制执行抵押房产拍卖，仅低于纽约的561天欠款期限。辨方律师还强调说，他们可以把欠款期限拖的更长。
In Florida, the average property spends 518 days in foreclosure, second only to New York's 561 days. Defense attorneys stress they can keep this number high.
经纪公司AmherstSecuritiesGroup的按揭贷款担保证券策略师们周三估计，美国有近700万套住房最终将遭遇止赎。
Nearly seven million housing units will eventually enter foreclosure, mortgage-backed-securities strategists at Amherst securities Group, a brokerage firm that deals in MBS, estimated on Wednesday.
经纪公司AmherstSecuritiesGroup的按揭贷款担保证券策略师们周三估计，美国有近700万套住房最终将遭遇止赎。
Nearly seven million housing units will eventually enter foreclosure, mortgage-backed-securities strategists at Amherst securities Group, a brokerage firm that deals in MBS, estimated on Wednesday.
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