美国有着庞大的住宅抵押贷款市场。
约9％的住宅抵押贷款债务和总负债的约6％。
That's about 9% of residential mortgage debt and about 6% of total indebtedness.
住宅抵押给银行。
最后对如何推进我国住宅抵押贷款证券化进行了研究。
Finally, by our study, we give some advices on how to push forward housing mortgage loan security in our country.
但对美国而言，最应该担忧的或有负债是其住宅抵押贷款的持续风险。
But by far the most worrying contingent liability looming over America is its growing exposure to residential mortgages.
资产证券化起源于上个世纪七十年代美国的住宅抵押贷款证券化。
Asset securitization originated from the United States housing mortgage backed securities in the 1970s.
为预防房地产泡沫，他们也必须适时地调整商业和住宅抵押贷款的贷款价值比。
They must also vary the loan-to-value ratio on commercial and residential mortgages to forestall real estate bubbles.
资产证券化起源于上个世纪七十年代美国的住宅抵押贷款证券化。
Asset securitization originated from the United States mortgage backed securities in the 1970s.
西班牙的住宅抵押贷款标准很好，然而银行借贷给开发商的情形就并非如此了。
Spain's residential-mortgage standards were fine, but the same could not be said of banks' lending to developers.
从涵盖了美国60%的住宅抵押市场庞大的数据库背景里，经济学家查看了一份抵押贷款案例。
The economists looked at a sample of mortgages in a huge data set that covers 60% of America's residential-mortgage market.
专业的住宅抵押贷款计算器，提供快速的解答复杂的问题，包括利息在内，只有支付，利息仅组合贷款和利息，只有资格。
The professional's residential mortgage finance calculator provides fast answers to complicated questions, including Interest-Only Payments, Interest-Only Combo Loans and Interest-Only Qualifying.
在波士顿，大部分人是把住宅抵押给银行、套利基金和信托服务业，因此避免了很多给纽约大财团带来巨大灾难的各种麻烦。
Boston is home mostly to deposit Banks, hedge funds and trust services, which were able to avoid many of the problems that plagued the large financial institutions in New York.
北岩银行新任管理层也不见得比原管理层更出色（北岩银行曾经是一家老迈、毫无生气的住宅抵押贷款提供商，而上届管理层将其创新性地成功转型为证券化巨头并因此获得了巨大荣誉）。
The bank's new bosses may yet prove to be no better than its old (who were once feted for their innovation in transforming a sleepy old building society into a securitisation dynamo).
这样不用过多久他们就可以利用公司资产做抵押来借更多的钱----就像买房时拿出住宅股权贷款做为首要抵押一样。
Then, not long after, they often borrowed even more money, using the company’s assets as collateral — just like home buyers who took out home equity loans on top of their first mortgages.
投资者可以支付环境改造的前期费用，这笔费用将在20 - 30年内由住宅(而非现居住者)绑定的抵押保费付还。
Investors could pay the upfront costs of an eco-renovation, to be paid back over two or three decades by a mortgage premium that stays with the home rather than the current resident.
Zillow：在Zillow查询住宅、抵押信息和搜索贷款信息等。
Zillow: Find homes, get mortgage information and search loans on Zillow.
这是一个非常好的消息，因为如果你正想通过30年固定利率抵押贷款的方式买一幢住宅，你的抵押贷款利率将下降约0.75%。
If you were looking at buying a house with a nice, stable thirty year fixed mortgage, this is amazing news because your mortgage rate will drop around 0.75%.
Zillow：在Zillow查询住宅、抵押信息和搜索贷款信息等。
Find homes, get mortgage information and search loans on Zillow.
灾难始于美国次级抵押借款违约，这是为扩大穷人拥有自有住宅而设计的金融工具。
The disaster began with defaults on American subprime mortgages, a financial instrument designed to spread home ownership among the poor.
对于劳动力的强烈需求、工资的上涨以及抵押贷款利率的下降使得住宅地产市场开始增长。
Strong labor demand, positive wage growth and declining mortgage rates are positive trends supportive of the residential property market going forward.
近期的美国住宅市场泡沫也经历了一个类似过程，从优质抵押贷款蔓延至次贷。
The recent us housing bubble had a similar process of moving from prime to subprime mortgages.
该计划的一个关键要素是“碳排放抵押权”——一种允许并鼓励个人和家庭提高住宅能源使用效率的财政机制。
A key part of the plan is the "carbon mortgage", a financial mechanism enabling and encouraging individuals and families to increase the energy efficiency of their homes.
但是这带来了其它的问题，由于没有达到私人抵押贷款最低最低限度，这就造成住宅20%资产不属于我们。
But this brings on added complications, not the least of which is private mortgage insurance, which is required if you don't have at least 20% equity in your home.
住宅所有权的激增，从1994年的64%急剧上涨至2005年的接近70%，只不过证明了依赖于次级抵押贷款是不可持续的。
The surge in home ownership, which rose dramatically to nearly 70% in 2005 from 64% in 1994, has proved just as unsustainable as the reliance on subprime mortgages.
激增已开始回落，降低价格，并且繁重的可调整利率抵押贷款重新设定了百分点，以使更大程度的不景气是适度的——每一个百分点代表了大约一百万户住宅。
That surge has begun to recede, and lower prices and onerous adjustable-rate mortgage resets point toward a modest further decline — each one percentage point represents about one million homes.
麦凯恩指责奥巴马是参议院中收取房利美和联邦住宅贷款抵押公司捐款的第二大个人，而这两大公司正是目前名誉扫地的抵押贷款行业巨头。
McCain accused Obama of being the Senate's second-highest recipient of donations from individuals at Fannie Mae and Freddie Mac, the two now-disgraced mortgage industry giants.
因此，越来越多的人贷款自购住宅，使房地产价格不断攀升，从而推动了银行资产负债表上抵押物的价值激增，这种增长鼓励了银行把更多的钱借出去。
More people bought houses, increasing their prices. This boosted the value of the collateral on banks’ balance sheets, encouraging them to lend more.
沙特期盼已久的抵押贷款法被认为将打开住宅市场繁荣。
In Saudi Arabia a long-awaited mortgage law is expected to kick start a residential boom.
沙特期盼已久的抵押贷款法被认为将打开住宅市场繁荣。
In Saudi Arabia a long-awaited mortgage law is expected to kick start a residential boom.
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