除了“小虾”和房屋抵押贷款。
关于年金的一个很好的例子就是房屋抵押。
其中，由业主出售部分约占德国房屋抵押市场的10％。
Sales processed via its proprietary platform cover about 10% of the German home-mortgage market.
毕竟美国房屋抵押贷款的历史损失率几乎是零。
After all, the historical loss rates on American mortgages is close to zilch.
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.
当然，关于银行没收房屋抵押的搜索也在大幅增长。
Of course, the search that confiscates building guaranty about the bank also is in grow considerably.
房屋抵押贷款是另一种方式去套现你的股权，你想。
A home equity loan is another way to get to the cash in your equity that you want.
美国的很多房屋抵押贷款被塞进有价证券卖给了世界各地的金融机构。
Many US mortgage loans were bundled into securities and sold to financial institutions worldwide.
从银行在房地产泡沫期间不得不作假的房屋抵押贷款的数字来看，真是难以置信。
Given the number of mortgages that Banks had to have misrepresented during our housing bubble, that's mind-boggling.
一些城巿，好些付按揭十年的人手头上只有少许，或没有房屋抵押资产了。
In some cities, people who have paid their mortgages for a decade have little or no home equity.
有房屋抵押贷款的典型家庭在他们的主要住房上欠有107 000美元。
The typical family that had a mortgage owed $107, 000 on their primary residence.
然而房屋抵押贷款则应回归私营机构，这就让我们可以摆脱已经失败的商业模式。
But mortgage financing should revert to the private sector. This would get rid of a business model that has failed.
这项计划要购买不良的房屋抵押贷款和其它债务，可能要耗费纳税人数千亿美元。
The plan could cost taxpayers hundreds of billions of dollars, which will be used to buy up bad mortgages and other debt.
和大多数家庭一样，帕蒂家每个月最大的支出是房屋抵押贷款，其次就是用来照顾孩子的钱。
Like most families, child care is the Pettys' second-biggest monthly expense after their home mortgage.
日常生活有很大一部分都构筑于债务的基础上，从房屋抵押贷款、信用卡、到汽车贷款。
Much of daily life is built around debt, from home mortgages to credit CARDS to car loans.
美联储所接受的最低质量的抵押都是AAA级别的私人房屋抵押债券，它们都不在被降级检查的行列。
The lowest collateral the Fed will accept is AAA-rated private mortgage-backed bonds that are not on review for downgrade.
美国房屋抵押贷款违约率依旧在上升：第一季度的季节性调整利率仍然是所有类别中较高的。
Delinquencies on American mortgage loans are still rising: the seasonally adjusted rate in the first quarter was higher across all categories.
他提议给商人税收抵免以雇用新的员工，因从退休金中抽取资金和冻结房屋抵押来减少处罚金。
He proposed a tax credit for businesses that hire new workers, a relaxation of penalties for withdrawing money from retirement accounts and a moratorium on home foreclosures.
房地产危机把很多人赶出他们自己的家，又阻止一些人获取房屋抵押贷款，导致租房者人数也扩大。
The number of renters is also expanding as the housing crisis drove many people out of their homes and prevented others from securing mortgages to buy houses.
例如，2006年底，英国家庭房屋抵押贷款负债相当于可支配收入的126%，而美国仅为104%。
To take one example, at the end of 2006, household mortgage debt was 126 per cent of disposable income, against a mere 104 per cent in the US.
她还面临着财政困扰，自从06年她丧失了对房屋抵押的赎回权，她和她的孩子们只能在旅馆搬来搬去。
She has also faced financial troubles; since losing her home to foreclosure in 2006, she has shuttled with her children from apartments to hotels.
这意味着信用卡、房屋抵押贷款、可变利率抵押贷款和其他消费贷款的利率将维持在数十年来的最低水平。
That would mean rates on certain credit CARDS, home equity loans, some adjustable-rate mortgages and other consumer loans would stay at their lowest point in decades.
奥巴马表示，除非国会采取行动，否则美国人会发现越来越难得到房屋抵押贷款，越来越难为买汽车或者上大学贷款。
Obama said unless there is congressional action, Americans will find it increasingly difficult to get a mortgage to buy a home or secure loans to buy a car or finance college.
收回房屋抵押的情况还很少见；州预算仍有盈余，而连加利福尼亚州和纽约州都已经在破产边缘摇摇欲坠了。
Housing repossessions are still very rare; the state budget is still in surplus even as California and New York teeter on the edge of bankruptcy.
收回房屋抵押的情况还很少见；州预算仍有盈余，而连加利福尼亚州和纽约州都已经在破产边缘摇摇欲坠了。
Housing repossessions are still very rare; the state budget is still in surplus even as California and New York teeter on the edge of bankruptcy.
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