同时市场利率的波动对个人住房消费贷款也有重要的影响。
At the same time the market interest rate fluctuations also have great impact on the personal housing consumption loan.
文章在总结影响提前清偿的主要因素的基础上，分析了住房消费贷款提前清偿的一些基本度量方法与模型。
Based on abstracting the main factors which effect upon prepayment behavior, this article analyzes its basic measuring traditions and some forecasting models.
因为数百万人把住房作为一般贷款的附属担保品，房价飙升也拉动消费激增，随着繁荣的持续，破产的危险泡沫也越吹越大。
Since millions use their homes as collateral for general loans, the house-price boom also exaggerated the consumer boom while it lasted, and amplified the bust when that came.
消费金融公司并不需要担保，不提供住房抵押贷款和汽车贷款。
Consumer finance companies do not need guarantees and security, and do not provide home mortgages and auto loans.
这项计划赢得了消费者的赞扬，并且刺激了正在还款的房主和那些因为住房抵押贷款利率下调而获益的贷款人。
The plan, which won praise from consumer advocates, offered incentives to homeowners who are current on their payments and to lenders who lower interest rates on home mortgages.
但消费贷款余额下降也部分反映出，美国人面临着不景气的就业市场和价值不断缩水的自家住房，普遍不愿意背负巨额债务。
But it also is in part a reflection of reluctance by Americans to hold big loads of debt at a time when the job market is in bad shape and the value of their homes has fallen.
当然，监管部门发出的“指南”是不是为了抑制个人住房消费，但主要目的是为了控制风险，银行贷款。
Of course, the regulators issued the "Guidelines" is not in order to suppress individual housing consumption, but mainly in order to control the risk of bank loans.
个人住房抵押贷款作为启动住房消费的有效措施之一，近年来已有了长足发展。
As an effective means to stir up residential consumption, residential Mortgage Loan has been developed very quickly in recent years.
当前，个人住房抵押贷款已成为促进消费、拉动经济，调整银行信贷结构，形成银行效益的新的增长点。
By nowadays, individual housing mortgage loan has become a new increasing point, which helps to promote consumptions, boost economy, regulate Banks' loan structure and bring interest to Banks.
利率为10年期美国国债，这是用来作为基准的住房抵押贷款和其他消费贷款，降至百分之3.57从3.62点。
The yield on the 10-year Treasury note, which is used as a benchmark for home mortgages and other consumer loans, slipped to 3.57 percent from 3.62 percent late Tuesday.
当住房消费成为新的消费热点后，房地产金融业务的重心也逐渐从房地产开发贷款向个人住房贷款业务转移。
When house consuming becomes hotspot, the real estate finance also transfers its center from development loan to individual housing loan gradually.
个人住房消费信贷是银行等金融机构为满足居民购买住房的需求而提供的信用贷款服务。
Individual consumption loan is a credit loan service provided by Banks and other financial institutions in order to meet the needs of housing of the citizens.
美联储近期也将启动大量程序来提升消费信誉，包括汽车、助学贷款、住房和信用卡。
It also recently launched massive programs to boost the availability of consumer credit, including that for cars, student loans, homes and credit CARDS.
住房政策旨在推动储蓄，然而资产净值贷款和“负摊还贷款”则刺激了消费。
Housing policy aims at boosting savings. Yet home-equity loans and "negative amortisation" mortgages boosted spending.
通过对住房消费者信用指标的设置、各指标的权重和评分标准的确定，为商业银行决定住房抵押贷款提供决策依据。
Through setting up housing consumer credit norms, defining proportion and mark standard, provides decision basis for commercial bank decided housing mortgage loan.
顺便提一下，储贷协会，现在也不仅限于发放抵押贷款，他们也发放住房装修贷款，及汽车消费贷款之类的。
Saving and loan Associations, by the way, no longer exclusively limit themselves to mortgage lending -either they do home improvement lending and auto loans and the like as well.
住房抵押贷款保险，对于化解银行信贷风险、刺激个人住房消费发挥着重要作用。
The insurance of the housing mortgage credit plays an important role on dissolving Bank credit risk and stimulating personal house consumption.
据最近的研究表明住房消费信贷业务已经成为全球商业银行利润收入最高的贷款业务之一。
According to recent studies suggest that the housing consumer credit business has become the world's top commercial bank profits in one of the loans.
住房消费信贷是银行等金融机构为满足居民购买住房的需求而提供的信用贷款服务。
Housing is a consumer credit Banks and other financial institutions to meet the needs of the residents to buy housing and the provision of credit services.
债券的收益经常被用来为住房贷款和其它消费者借贷的利率定位。
Its yield is often used to help set interest rates on mortgages and other consumer loans.
因此，如果美联储的加息最终不会让我们陷入经济衰退，住房和汽车贷款成本也会上涨，消费者将为此埋单。
So if the Fed ends up raising interest rates without sending us into a recession, then borrowing costs for houses and autos could go up too, and that will cost consumers.
虽然如此，美联储的降息明显的增强了消费者对不断降低的住房贷款利率的清醒。
Nonetheless, the Fed rate cut has apparently raised consumer awareness of dropping home loan rates.
虽然如此，美联储的降息明显的增强了消费者对不断降低的住房贷款利率的清醒。
Nonetheless, the Fed rate cut has apparently raised consumer awareness of dropping home loan rates.
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