在这位20岁的司机离开2小时后，加油站报警了，警察询问之后释放了这名束手无策的“被抵押者”。
Two hours after the 20-year-old driver left, the gas station called the police, who interrogated the stranded "deposit" before releasing her.
对他们来说400年来的最低利率(在1%水平上)可不能帮到什么；在这个时刻抵押者很因多种高收入而获得借款。
It does not help them that interest rates are at their lowest for 400 years (at 1%); mortgage providers are hardly in a state to lend on high multiples of incomes at the moment.
放贷机构常常与借款者勾结，以扩大抵押贷款规模，或者更糟糕的是，向借款者兜售错误的政策。
Too often lenders connived with borrowers to swell the size of mortgages, or worse, sell borrowers the wrong policy.
该计划生效所需的投资者信心提振将需要时间——罗森说，这仍需要他购买食品和每月支付抵押贷款的时间。
The boost in investor confidence needed for the plan to work will take time—time that Rosen says still requires him to buy food and make monthly mortgage payments.
他称，抵押借款者有足够的伸缩空间来延长还款期限。 西班牙的银行相当健全，有能力应付违规操作情况增多的局面。
Mortgage-holders have plenty of wiggle-room, he says, to extend payment periods.
另外，很多州授予贷款机构不同程度的权限，让它们没收抵押贷款违约者的银行存款、汽车或其他资产。
In addition, many states give lenders varying degrees of scope to seize bank deposits, cars or other assets of people who default on mortgages.
迄今为止，观察过次级抵押贷款者还款规律的经济学家都指出，当房产价格达到顶峰并开始下滑时，并不是所有的次级借贷者都违约。
Yet economists who have looked at the pattern of payments on subprime mortgages point out that even when house prices topped out and then began to fall, not all subprime borrowers defaulted.
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.
房产持有者重新申请抵押贷款的数额占其家庭资产总额的比例从现在的95%下降到了90%。
Homeowners who refinance their mortgages will be limited to taking out 90% of the equity in their property, down from 95% now.
近25%的住房拥有者的抵押贷款比其住房的价值要高。
Almost 25% of homeowners with mortgages owe more than their houses are worth.
与很多不满的受损抵押持有者一样，房利美和房地美已经要求银行回购不符合最初担保质量的抵押品。
Like many disgruntled holders of impaired mortgages, the GSEs have demanded that Banks buy back mortgages that did not meet initial guarantees of quality.
2005年，他的经济模型假设消费者将他们的抵押贷款精打细算。
In 2005, he economic models assume consumers will make careful calculations about their mortgages.
在银行业务领域，可以将抵押处理外包给抵押业务提供者。
In the banking domain it could be that processing mortgages is outsourced to a mortgage provider.
评论家对计划能否对经济产生刺激作用表示怀疑：从借贷者那里增加的现金流转，会在持有抵押贷款的投资者那里付出代价。
Critics question the programme's potential to stimulate the economy, when the increased cashflow of borrowers will come at the expense of the investors who own the mortgages.
美国银行股价上涨1.4%，有报道称美国银行在和抵押贷款投资者进行谈判。
Bank of America Corp. gained 1.4 percent after a report that it started settlement talks with mortgage investors.
抵押贷款为个别放贷者提供了一定程度的保护，但它却具有某些不幸的系统效应。
Collateralised lending offers a degree of protection to the individual lender, but it has some unfortunate systemic effects.
抵押品给了投资者购买抵押债权组合的信心，这就是所谓的二次抵押贷款。
The guarantees give investors confidence to buy packages of mortgage debt, known as mortgage-backed securities.
这就为抵押贷款变得更糟并继续得到贷款者注意打好了基础。
That sets the stage for more mortgages going sour and continued caution among lenders.
然而，随着银行不再担当众多抵押债务的第一承担者，抵押债务将会广泛影响整个金融系统。
But instead of the Banks taking the first hit from mortgage defaults, the pain will be spread round the financial system.
因此etf提供者要求银行提供抵押担保(见表)。
So the ETF provider requires the bank to provide collateral (see diagram).
即便如此，这向计划显现的对抵押贷款持有者的待遇要好于拥有主要按揭贷款的投资者，因为当优先抵押差额减少时，前者不需要削减本金。
Even so, the plan appears to treat second-lienholders better than investors in the main mortgage, because the formerare not required to cut principal when first-lien balances drop.
还有一个可能让抵押支持证券持有者受打击的方面。
There is also another way in which owners of mortgage-backed securities could be hurt.
这套系统最大的特点是权责清晰：法院保证债权人按照资历获得还款，有抵押贷款者优先补偿。
The system has the great benefit of clarity, with the court ensuring that the creditors are paid in order of seniority, with secured lenders getting first cut.
他说，银行方面本应在借贷者做抵押时就告知他们当中存在的风险。
The Banks should have warned borrowers of the risks they were running when they took out their mortgages, he says.
投机者追捧超值的抵押贷款和银行类股。
Opportunists pounce on undervalued mortgage paper and bank shares.
房地产危机把很多人赶出他们自己的家，又阻止一些人获取房屋抵押贷款，导致租房者人数也扩大。
The number of renters is also expanding as the housing crisis drove many people out of their homes and prevented others from securing mortgages to buy houses.
洛比尼声称，美联储的行动避免了灾难的发生。但是他认为，未来的紧急救助措施应该针对抵押贷款拥有者，而不是投资者。
Roubini argues that the Fed's actions averted catastrophe, though he says he believes that future bailouts should focus on mortgage owners, not investors.
修正后的储蓄率看起来与消费者和抵押贷款存量更加一致。
The new saving rate seems much more consistent with the continuing decline in consumer and mortgage debt outstanding.
更糟糕的是它还面对来自包销商和抵押贷款私人投资者对贷款回购的大量诉讼。
Worse, it faces a barrage of loan-repurchase lawsuits from bond insurers and private mortgage investors.
更糟糕的是它还面对来自包销商和抵押贷款私人投资者对贷款回购的大量诉讼。
Worse, it faces a barrage of loan-repurchase lawsuits from bond insurers and private mortgage investors.
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