有两种类型的住宅贷款。
申请住宅贷款时必须缴纳印花税和注册执照税。
Applies for when the housing loan must pay the stamp duty and the registration fee of permit.
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.
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.
银行不想承接住宅按揭贷款业务。
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.
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.
现代银行将贷款决策蜕变成冷冰冰无人情的、以信贷评分和资产价值为基础的公式， 是银行更偏向于均一同质的贷款，比如住宅按揭。
modern banks reduced loan decisions to arm’s-length algorithms based on credit scores and asset values, biasing them towards homogeneous loans such as residential mortgages.
芝加哥的小银行CorusBankshares就是如此，该银行的资产组合中，80%是共管式住宅建筑贷款。
That is certainly true of Chicago-based Corus Bankshares, more than 80% of whose portfolio comprises condominium-construction loans.
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.
在南加州，8月份的成功交易中有36%借助于联邦住宅管理局的担保贷款。
In Southern California, 36% of sales in August came from FHA-insured loans.
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).
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.
把税收负担从劳动力转向土地，实际上将会降低住宅和商业空间价格，因为；征税之后的租税，不会再次循环进入新的按揭贷款。
Shifting the burden of tax from Labour to land would actually hold down the price of housing and commercial space, because rental value that is taxed would not be recycled into new mortgages.
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.
现在国会里有很多人都在讨论这个问题，我们需要思考关于，能用来保护个人权益的新法规，像房主贷款公司和联邦住宅管理局的制度。
We need — and there's a lot of talk in Congress right now -we need to think about new regulations that protect individuals, much like the regulations that the HOLC and the FHA made.
纽约市的高失业率正在从最贫困的社区向一度安全的中产阶级住宅区中扩散，这里的一些居民已开始拖欠租金和按揭贷款。
High unemployment is spreading in New York City beyond the poorest neighborhoods to once-secure middle-class enclaves, where some residents are falling behind on rent and mortgage payments.
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.
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.
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.
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.
另一管理机构，联邦住宅管理局的投入额将达到房产价值的97%，同时它还得填补次级贷款者留下的资金空洞。
The Federal Housing Administration (FHA), another agency that will lend up to 97% of a property's value, has meanwhile been filling the vacuum left by subprime lenders.
这个原因外加按揭贷款限制都显示小户型住宅将首先得到复苏。
That, and the limitations on mortgage financing, indicates that a revival in housing construction will focus on smaller houses.
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.
两房同时妨碍了对23%的负资产购房者实施的援助，这些购房者需要偿还的贷款额超过了所购住宅的价值。
The GSEs also hamper help for the 23% of homeowners in negative equity, with loans worth more than their homes.
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.
但住宅市场存在多种隐性补贴，这使得许多人能够购买价格远高于自己收入所能承受水平的住房，而且几乎不用贷款。
But here a variety of hidden subsidies enable people to buy much pricier flats than their income alone would allow, and with little leverage.
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.
美国有着庞大的住宅抵押贷款市场。
美国有着庞大的住宅抵押贷款市场。
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