国家同时也已将两个抵押放贷者国有化，并正提议保护银行的不良资产，以免遭受惨重的损失。
The state has also nationalised two mortgage lenders and is proposing to insure banks’ toxic assets against catastrophic losses.
这使得10年期国库券的收益率——很多抵押放贷者用它作为基准——在5月18日当天下降了3.34%。
That moved the yield on 10-year Treasury bonds, which many mortgage lenders use as a benchmark, down to 3.34% on May 18.
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.
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.
美国的贷款购房者也更有可能逃避债务，因为许多抵押资产都“无追索权”，就是说放贷者不能追踪借贷者的其它资产。
American homeowners are also much more likely to walk away from their debts because many mortgages are "non-recourse", meaning that lenders cannot come after borrowers' other assets.
有些人认为伴随着银行和其他放贷者以低价大量抛售其没收到的抵押房产，房市价格可能会下跌到均衡价格以下。
Some believe that with banks and other lenders dumping huge numbers of foreclosed homes, prices could fall well below equilibrium.
原始权益人是指借钱给购房者的公司，他们先进行筹资，接着，通过抵押贷款方式向购房者放贷。
An originator is a company that lends money to households; they raise money and then they lend it out as mortgages to households.
这一渠道已被堵死：由于抵押物房屋贬值，银行放贷意愿降低，所以许多购房者贷不出款来。
This channel is bunged up: many households cannot borrow because their homes have fallen in value and because Banks are less willing to lend.
这一渠道已被堵死：由于抵押物房屋贬值，银行放贷意愿降低，所以许多购房者贷不出款来。
This channel is bunged up: many households cannot borrow because their homes have fallen in value and because Banks are less willing to lend.
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