有大额抵押贷款的借款人应选择固定利率。
联邦储备银行想让各家银行继续贷款给信用良好的借款人。
The Fed wants banks to continue to lend to creditworthy borrowers.
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.
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
The subprime crisis is happening today because home prices are falling and with falling home prices more subprime borrowers are failing to pay their mortgage.
次贷危机之所以会发生,时因为房屋的价格在下降,随着房屋价格的下降更多的次贷借款人,将会无法支付他们的贷款
This is how they actually compute the payments because you can take, if you want--if someone is borrowing -let's bring it up to today- they're borrowing $200,000.
这就是计算贷款偿还额的方法,比如,如果某人要借款,我们用现实的例子,假设要借20万美元
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