而这种看法使得放宽借贷标准有了正当的理由：那些信贷记录不佳的住房拥有者可以在二到三年的时间里以更加优惠的条款进行再融资，因为届时他们的房产已经升值了。
That justified relaxed lending standards. Homeowners with weak credit histories could refinance loans on more favorable terms in two or three years because the value of their houses would have risen.
但另一方面，同金融资产相比有更多人拥有住房。
On the other hand, more people own homes than own financial assets.
当前的经济压力已经致使类似商业住房抵押贷款证券这类金融资产大幅贬值。
Current economic pressures have led to wide-scale devaluations of assets such as commercial mortgage-backed securities.
这一计划旨在通过联邦住房管理局(Federal Housing Administration)，帮助贷款者进行再融资。
It is designed to help borrowers refinance with the help of the Federal Housing Administration.
分析表明，居民金融资产和住房资产财富效应存在，金融资产财富效应超过住房资产财富效应。
This paper shows that the wealth effect of residents fiance and housing assets exists, the finance wealth effect is bigger than that housing wealth effect.
在房产市场下滑时，许多与住房抵押贷款相关的金融资产贬值了。
Many of these financial assets relate to home mortgages that have lost value during the housing decline.
在房产市场下滑时，许多与住房抵押贷款相关的金融资产贬值了。
Many of these financial assets relate to home mortgages that have lost value during the housing decline.
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