如果你有房的话，你可以将房屋抵押或得到房产抵押贷款。
If you are a homeowner, you can use your home as collateral and perhaps take out a home equity loan.
是贷款抵押债券、债券抵押债券和房产抵押贷款债券的一般名称。
An asset-back security which uses a portfolio of bonds or loans as collateral, or security.
许多保险公司已被房产抵押贷款证券拖垮，只剩两家以没甚吸引力的保金售卖保单。
But many of the insurers have been laid low by their exposure to mortgage-backed securities, leaving just two firms to sell guarantees at less attractive rates.
消费信贷是个人和家庭用于满足个人需求(房产抵押贷款例外)的信贷，与企业信贷相反。
Consumer credit is a personal and family used to meet personal needs (except real estate mortgage) credit, and credit the opposite.
以市场现行利率期限结构为基准，用蒙特卡罗方法生成利率路径，为房产抵押贷款证券定价。
Taking the prevailing interest rate term structure as benchmark, an approach was discussed for MBS pricing, based on the interest rate paths generated in the method of Monte Carlo.
在整个阳光带以及工业基地州像俄亥俄和密西根州，房产抵押贷款联合失业危机正在招致更多的麻烦。
Across the Sun Belt and in hard-hit industrial states such as Ohio and Michigan, tanking home mortgages combined with rising joblessness spell more trouble.
丹麦的房贷公司竞相提高他们细分房产抵押贷款和服务的能力，这种专业化的竞争也帮助降低了成本。
Denmark's mortgage lenders compete on their ability to distribute and service the loans, and this specialised competition has helped to drive down costs.
总部在维吉尼亚州，麦克莱因的房地美公司，通过从抵押业务贷方购买贷款来为房产抵押贷款业务筹资。
The McLean, Virginia-based company finances home mortgages by purchasing loans from mortgage lenders.
优质房产抵押贷款市场(以更优质的借款人为客户)的运营则要好得多，虽然它也因房价下跌而恶化，有走弱的迹象。
The market for prime mortgages (those extended to higher-quality borrowers) is faring better, though it, too, is showing signs of weakness, exacerbated by cooling house prices.
与房产抵押贷款债券相似，所不同的是抵押品不是房产抵押贷款，而是评级较低的债券，由多个级别很差的债券组成。
The bond is similar to the housing loans but the difference is that its collateral is low grade bonds instead of housing loans. It is backed by diversified pool of junk bonds.
丹麦的房产抵押贷款模式和美国的相似，而不同于其它富裕国家。该模式使借款人在他们愿意的情况下很容易提前还款。
Danish mortgages-like those in America, but unlike mortgages in other rich countries-make it easy for borrowers to repay their loans early if they wish.
房贷市场真正异常活跃的是次优房产抵押贷款（subprimelending），一种以高于普通利率贷给那些信用记录较差的借款人的房产抵押贷款。
What has set pulses racing is subprime lending—mortgages extended at higher than normal rates to those with weak credit histories.
在你的抵押贷款和小型企业管理局贷款之间，你最后可能会欠下比房产价值多得多的钱。
Between your mortgage and your SBA loan, you could end up owing a lot more on your property than it's worth.
他们表示，结果是他们不会为参与计划的房产提供抵押贷款。
As a result, they said they could not buy or guarantee mortgages on properties that participate.
那就扩大了风险更高证券的需求，包括次级抵押贷款，也导致了房产泡沫。
That expanded the demand for riskier securities, including subprime mortgages, and pumped up the real-estate bubble.
所以我们还是走访了美国人口普查局，在那里我们查找到了相关数据，从中我们了解到了业主的平均收入情况，购房时业主需交纳的如房产税，抵押贷款和保险费等。
So we also looked at U.S. Census Bureau data, which shows the average percentage of homeowners' income that goes toward expenses like property taxes, mortgage payments and insurance.
随着抵押贷款逐渐退出，房产价格会进一步下滑。
With many sources of mortgage finance evaporating and many unsold homes, prices have much further to fall.
房地产市场崩盘之后，几百万房主(其中四分之一有住房抵押贷款)的负债超过了他们的房产价值。
After the housing crash, millions of homeowners-a full quarter of those with mortgages-had loans larger than the value of their homes.
迄今为止，观察过次级抵押贷款者还款规律的经济学家都指出，当房产价格达到顶峰并开始下滑时，并不是所有的次级借贷者都违约。
Yet economists who have looked at the pattern of payments on subprime mortgages point out that even when house prices topped out and then began to fall, not all subprime borrowers defaulted.
房产持有者重新申请抵押贷款的数额占其家庭资产总额的比例从现在的95%下降到了90%。
Homeowners who refinance their mortgages will be limited to taking out 90% of the equity in their property, down from 95% now.
首先，这期基金将用于以一定的折扣购买商业抵押贷款债务，并建立第一期针对高端商业房产的按揭房贷。
Initially, the Fund will buy discounted pools of commercial mortgage debt and originate first mortgage and mezzanine loans on high-quality commercial real estate properties.
但是大约有四分之一的房主因房产价值不够进行抵押而无法重新贷款。
But roughly a quarter of homeowners cannot refinance because their mortgages exceed the value of their homes.
我们的抵押贷款机构已经作出了一些改变，并可能成为房产市场繁荣的部分原因。
There have been many changes in our mortgage institutions that might be part of the reason for the boom in home prices.
家庭财产净值是房产等资产减去抵押贷款等债务。
Household net worth is assets, such as home equity, minus liabilities, such as mortgage debt.
在美国信贷繁荣的时候，房产成了提款机，人们将再抵押贷款发行股票，又刺激了他们消费。
In America houses turned into cash machines during the credit boom as people remortgaged to release equity and boost their spending.
在美国信贷繁荣的时候，房产成了提款机，人们将再抵押贷款发行股票，又刺激了他们消费。
In America houses turned into cash machines during the credit boom as people remortgaged to release equity and boost their spending.
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