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.
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.
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.
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.
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.
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.
因此，住房按揭贷款资产证券化在我国已迫在眉捷，是中国住宅商品化的出路。
So securitization of secured loan assets about housing is very necessary, and it is the way to Chinese housing commercialization.
一旦住宅价格下跌和经济条件恶化，按揭贷款违约和坏帐迅速增加，按揭贷款机构持有大量严重贬值的按揭资产。
Once housing prices declined and economic conditions worsened, defaults and delinquencies soared, leaving the industry holding large amounts of severely depreciated mortgage assets.
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.
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.
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.
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