令人头痛的还有银行物业贷款的坏账。
一年以前，每个人都担心在住宅物业贷款上的损失。
A year ago everyone was worried about losses on residential-property loans.
来自英国中央银行的数据显示2009年后9个月除了物业贷款外的银行商业贷款减少。
Figures from the bank of England show that bank lending to business, except for property lending, fell in the last nine months of 2009.
这些工具包括提高银行准备金，限制物业贷款，紧缩资金控制，十月份利率上调，以及温和的人民币升值。
They include hikes in bank reserve requirements, lending curbs against property, tightening capital controls, an interest-rate hike in October, and modest currency appreciation.
元凶盎格鲁爱尔兰银行是把物业贷款变成黑洞的专家，现在看来它很可能被迫勾销所贷出欧元中的近乎一半。
The prime culprit is Anglo Irish, a specialist-property-lender-turned-black-hole that now seems likely to have to write off almost half of every euro it loaned.
业主以物业税的形式偿还这些贷款。
物业市场持续的下跌剩下大量无法还清住房贷款的家庭，并且这个比例还在不断增长。
The continued fall in property prices has left a large and growing fraction of households underwater on their home loans.
这可能导致农地价格下跌一半，对于那些先前以其物业原价抵押贷款的人们来说，这无疑将是毁灭性的打击。
That could push down farmland values by half, a recipe for ruin for those who have borrowed against the value of their property.
据纽约大学BjornHanson的估算，酒店的物业运营成本有60- 70%相当固定，比如偿还抵押贷款、税费和能源账单等。
Some 60-70% of the property costs of a hotel are pretty much fixed, including mortgage payments, taxes and energy bills, reckons Bjorn Hanson of New York University.
一位房地产开发商的人力资本，不仅会与他所建造的物业相关联，还会与这些物业的贷款利率相关联。
A real estate developer would have his human capital linked to what he is building but also to the interest rates on the loans for those properties.
用于商用物业的贷款增长84%，住房抵押贷款增长32%。
Lending on commercial property is up by 84% and home mortgages by 32%.
在美国，他们已经跟物业管理公司签署协议，允许住户使用信用卡支付租金、按揭贷款、甚至是房屋的首付贷款。
In America they have signed deals with property-management companies to allow residents to use credit CARDS for rent, mortgage instalments and even the down-payment on a house.
对于建立劣质银行系统购买无用贷款的建议，首相萨帕特毫不留情地拒绝了。 他指出，在不久后，西班牙的贷款人就能详细地披露这些物业资产情况。
Mr Zapatero rejects the idea of creating a systemic “bad bank” to purchase dud loans, pointing out that all Spanish lenders will soon have provided detailed disclosure on their property assets.
他们找到了支持这个观点的两大负面因素：一是失业，二是很多借款人利用物业套现贷款来偿还高利率信用卡贷款的能力大大降低。
Two big negatives were identified: Job losses and, for many borrowers, a sharply reduced ability to use home-equity loans to pay off more expensive card balances.
商业抵押担保贷款违约率升高连同不良建筑业贷款一起，可能将造成美国银行在商业物业上损失两千到两千三百亿美元。
Together with bad construction loans, that could push the losses of American banks on commercial property to $200 billion-230 billion.
一旦你知道你能贷款的金额，你可以在设定的价格区间开始物色你想要的物业。
Once you know how much you can borrow, start looking for properties in that price range .
如果利率已经攀升，低利率的可承继房屋贷款可能为该物业增加卖点。
If interest rates have risen, an assumable mortgage at a low rate may prove a selling point for the property.
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.
他们能够支付现金购买商业及住宅的物业，这能够极大地帮助陷入困境的银行、工厂，和抵押贷款的公司。
They can afford to pay cash for commercial and residential property, which can greatly help struggling Banks, factories, and mortgage companies.
根据该计划，按揭证券公司向贷款银行提供担保并收取担保费，担保额最高达物业价值的15%。
Under the scheme, the HKMC provides a guarantee at a fee to the lending bank for an amount up to 15 per cent of the value of the property.
考虑到几乎所有的银行贷款是在一些物业的方式担保。
Considering that virtually all lending by the Banks is SECURED in some way on property.
物业销售的纯利润，售价扣除产权转让费用、产经纪佣金、有赋税、屋贷款偿清等之后的利润。
The net proceeds from the sale of a property. The sale price minus legal fees and expenses, realty commission, any taxes paid, mortgage payout etc.
该规则的目的是打击第一申请人抵押贷款更便宜的利率，他们已经拥有了没有银行贷款的物业购买。
The rule was aimed at cracking down on people applying for cheaper-rate first mortgages when they already owned properties purchased without bank loans.
诚然，个别死亡计贷款谈判的具体性能和数量极少的无担保抵押贷款或毯子覆盖所有物业都可以在市场上。
It is also true that individual mort gage loans are negotiated for specific properties and that very few unsecured loans or blanket mortgages covering all properties owned are available in the market.
措施，以减轻物价涨幅列入第三家购买和承诺，对加快物业税的审判暂停抵押贷款。
Measures to ease gains in prices included suspending mortgages for third-home purchases and a pledge to speed up trials of property taxes.
措施，以减轻物价涨幅列入第三家购买和承诺，对加快物业税的审判暂停抵押贷款。
Measures to ease gains in prices included suspending mortgages for third-home purchases and a pledge to speed up trials of property taxes.
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