以往的“房屋银行”在新名称下“ 换汤不换药”的运作方式，令许多消费者感到困惑。
Past "Housing Bank" in the new name of the "old" mode of operation, many consumers confused.
最初可能需要同样数量的人花多几年的时间以存够钱拥有自己的房屋和汽车，真正意义上的拥有，而不是从银行租贷来的。
Initially it would take a few years longer for the same number of people to save enough to own houses and cars - actually own them, not rent them from Banks.
随着房地产市场危机开始显露，银行将开始承受巨额损失。这个过程慢得令人痛苦，因为这些房屋大多数是人们的主要居所。
As the housing crisis unfolds, painfully slow as most of these houses are primary residences, the Banks will start to take tons of losses.
从贝尔斯登，雷曼兄弟和美林身上，人们渴望但并不真正认为，是对隐蔽的美国房屋贷款的曝光击垮了这些投资银行。
One longs instead to have a similar inside view from Bear Stearns, Lehman Brothers and Merrill Lynch, the investment Banks laid low by their exposure to dodgy American housing loans.
她说随着次级市场的升温，银行给他们施压要推出更多的贷款- - -车，家具，房屋- - -几近狂热。
As the subprime market heated up, she said, the bank pressure to move more loans - for autos, for furniture, for houses - edged into mania.
经济增长稳健，失业率保持在低位，房屋价格上涨迅速，银行放贷自由。
The economy was growing steadily, unemployment was low, house prices were shooting up and Banks were lending freely.
在拉斯维加斯超过70%的房主的银行欠款超出他们房屋本身的价值。
In Las Vegas more than 70% of homeowners with mortgages owe more to the bank than their houses are worth.
刑事没收包括已被证实的犯罪，例如没收抢银行者用于逃跑的汽车，没收洗钱者用不法钱财购得的房屋。
Criminal forfeiture involves proven criminals. A convicted bank robber may lose his getaway car; a money-launderer may lose the house he bought with his illicit profits.
某银行信用分析师指出经济通常由“高贝塔”行业带入衰退，譬如房屋建设，汽车销售以及库存。
The Bank Credit Analyst points out that the economy is typically led into recession by "high-beta" sectors: housing construction, automobile sales and inventories.
银行对房屋的收回四月份已经下降，但预计今年将有一个波峰。
Though repossessions by Banks were down in April, a spike is expected this year.
这让他们并不愿意在市场走弱的时候将房屋留给银行，而自己选择离开，不管怎么说仍然会有一些投机客会这样做。
That makes them reluctant to mail the keys to the bank and walk away if the market weakens, although a few speculators do so anyway.
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.
个人就会在房屋按揭和信用卡上开始违约，倒闭的公司也不会再付贷款给银行。
Individuals started to default on their mortgage and other credit payments. Bankrupt companies stopped paying their loans to Banks.
经济衰退已伤及负债过重的房屋业主和银行职员这些人。
This recession has already hurt people such as over-mortgaged home owners and bank staff.
由于外国投资者对美国AAA级资产的强烈需求，美国的银行有强烈的动机去创造由房屋贷款构成看似安全的产品。
Faced with strong foreign demand for AAA-rated securities, American Banks had a strong incentive to create supposedly safe ones from packages of risky home loans.
起始于美国大批房屋贷款无法偿的全球金融危机，目前已经迅速漫延，导致银行借贷枯竭，消费者支出下降。
The global financial crisis, which began with massive defaults on home loans in the United States, has spread rapidly as bank lending has dried up and consumer spending had dropped.
股市遭受打击，各级银行的房屋贷款止赎问题引发新的担忧情绪，导致美国股市出现抛售。
Stocks, too, took a hit, although the sell-off in the U. S. was also fueled by renewed concerns about the impact that home loan foreclosure problems will have on banks.
由于英国人对房屋产权的盲目追捧，以及狡猾的美国贷款，英国的银行系统已经受到了一次伤害。
The banking system, inflated by British homeowning fetishism and dodgy American loans, has experienced a trauma.
佛罗里达的一些县正在采取措施，努力阻止事态的恶化。他们组织调停，安排银行和房屋拥有人会谈，希望找到办法解决有问题的房贷，避免房主丧失住房赎回权。
Several Florida counties are trying to fight back against the problem by bringing Banks and homeowners together to find a way to save troubled mortgages from foreclosure.
而英格兰银行的数据也表明，房屋贷款由1月的32,000例新增至2月的38,000例。
And the number of new loans for house purchase rose from 32,000 in January to 38,000 in February, on figures from the Bank of England.
而英格兰银行的数据也表明，房屋贷款由1月的32,000例新增至2月的38,000例。
And the number of new loans for house purchase rose from 32, 000 in January to 38, 000 in February, on figures from the Bank of England.
根据最新数据显示，美国有97％的房屋抵押贷款人被公司追踪，或者银行已提交或取消抵押品赎回权的提议（并盖有可怕的“REO”或“房地产拥有”字号）。
The percentage of homes that banks have filed foreclosure on or repossessed (and stamped with the dreaded "REO," or "real estate owned," moniker) now account for 3% of all mortgaged homes.
如果银行不能没收并且卖掉房主违约后遭没收的房屋的话，银行首先就发放不了贷款。
If Banks could not seize and sell homes with mortgages in default they would not lend in the first place.
它意味着在贷款人由于房屋的价值跌破贷款价值而出现“负资产”之前，房屋价格必须下跌高达30%。此举给银行一个实质性的缓冲空间。
It means home prices have to fall as much as 30% before borrowers are 'underwater,' when the value of the home falls below the value of the loan, giving Banks a substantial cushion.
由于更多因无力还贷而被银行收回的房屋上市出售，销售量上涨的情况大部分集中在低价房范围内。
Most of the uptick in sales took place in lower price ranges as more foreclosed homes came on the market.
提到如何帮助首次购房者爬上房地产阶梯，房贷银行说的天花乱坠，越来越多的房贷银行也打出广告以房屋价值90%的价格提供贷款。
Mortgage lenders have talked a good game when it comes to helping first-time buyers get on the property ladder, with a greater number advertising loans at 90% of a home's value.
他们的声誉还未完全从2007年房屋贷款银行——北岩银行的倒塌中完全恢复过来。
Their reputation has yet to recover fully from the collapse of Northern Rock, a mortgage lender, in 2007.
这样做有助于减少银行被迫收回房屋的比率，但对于市场上已有的空余房屋和不断增加的新房问题却作用甚微。
That could help slow the foreclosure rate, but it does little to address the problem of vacant homes already on the market and the continued building of new ones.
这样做有助于减少银行被迫收回房屋的比率，但对于市场上已有的空余房屋和不断增加的新房问题却作用甚微。
That could help slow the foreclosure rate, but it does little to address the problem of vacant homes already on the market and the continued building of new ones.
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