外国人持有大量美国的有抵押贷款证券。
Foreigners hold a large slice of American mortgage-backed securities.
但是在现实中，你有抵押贷款到期要付，可又没有足够的银行存款。
But the reality is you have another mortgage payment due, and not enough money in the bank.
这套系统最大的特点是权责清晰：法院保证债权人按照资历获得还款，有抵押贷款者优先补偿。
The system has the great benefit of clarity, with the court ensuring that the creditors are paid in order of seniority, with secured lenders getting first cut.
只有很小一部分人（11%的较年轻家庭）有抵押贷款，并且这些人精打细算地存钱为了能在5年内还清贷款。
Only a small proportion (11% of younger households) have a mortgage, and those that do scrimp and save to try to pay it off in five years.
他说，如果你有抵押贷款，那么应该保留未清偿抵押贷款本金余额20%左右的现金加上为满足其他需要而保有的现金。
If you have a mortgage, he says, keep cash on hand equal to about 20% of your outstanding mortgage principal balance plus whatever you need in the cash Kitty.
有大额抵押贷款的借款人应选择固定利率。
辛蒂有两个抵押贷款和两个年幼的孩子要照顾，她无法想象如何增加她丈夫的薪水来养她的家人。
With two mortgages and two young children to care for, Cindy couldn't imagine how to stretch her husband's paycheck to keep her family fed.
弗洛拉：是的，这里有一本有关我们抵押贷款的小册子，这个小册子说明了必须要办的一切手续。
F: Yes, you will. Here's our mortgage loan booklet which explains all the things which will be necessary.
弗洛拉：是的，这里有一本有关我们抵押贷款的小册子，这个小册子说明了必须要办的一切手续。
F: Yes, you will.Here's our mortgage loan booklet which explains all the things which will be necessary.
他们想要买房，这可以理解，他们有梦想，抵押贷款的机构鼓励他们实现梦想。
They wanted to buy a house and it's understandable, they wanted a piece of the dream and the mortgage industry was encouraging them to buy.
我们在一起六年了，有一个强大的联合抵押贷款和一个即将到来的婴儿。
We'd been together six years, had a mighty joint mortgage and a baby on the way.
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.
但是，有购房意向的人们可能仍然难以获得抵押贷款，即使他们的信用记录无可指摘。
But people who want to buy homes may continue to struggle to get mortgages, even if they have excellent credit.
三分之二的抵押贷款的借款人有良好的信用记录和固定的利率，他们拥有的房产价值远高于他们的借款。
Two-thirds of mortgage borrowers enjoy good credit and a fixed interest rate and can depend on the value of their houses remaining far higher than their borrowings.
我们需要存钱，因此我们没有搬回有沉重的抵押贷款的家，而是继续把它出租，并寻找代人看管房子的机会。
We needed to save, so instead of moving back into our mortgage-heavy home, we continued to rent it and looked into house-sitting opportunities.
我有一套自己的计划，能够通过抵押贷款再融资计划稳定房屋价值并再次实现增值，这样你们的邻居就不必违约，也不会拖累你们自己的房子贬值。
I have a plan to protect the value of homes and get them rising again by refinancing mortgages so your neighbor won't default and further drag down the value of your house.
美国银行股价上涨1.4%，有报道称美国银行在和抵押贷款投资者进行谈判。
Bank of America Corp. gained 1.4 percent after a report that it started settlement talks with mortgage investors.
监管机构允许银行和互助储蓄银行自己从事有风险的抵押贷款，当监管机构介入指导时已经太晚了。
And regulators permitted Banks and thrifts themselves to engage in risky mortgage lending, stepping in with guidance only when it was too late.
证据表明私营的市场有能力自行产生，债券化和分配住房抵押贷款。
The evidence shows that the private market can originate, securitize and distribute home mortgages efficiently on its own.
我有一笔汽车贷款，我付得很谨慎；后来有一个抵押贷款，同样付得很认真。
I had an auto loan that I paid off religiously, and later a mortgage that I also paid very conscientiously.
然而事实却与这些目标相悖离：比如，对廉价抵押贷款的鼓吹有可能带来不稳定性。
Set aside the fact that these aims tend to conflict: cheerleading for cheap mortgages is likely to produce instability, for example.
谁能想到抵押贷款和建筑热潮的结合这么快又能变得如此有吸引力呢？
Who would have guessed that the combination of subprime loans and a building boom would have become attractive again so soon?
据纽约联邦储备银行称，抵押贷款在第一季度有实际增长。
Mortgage borrowing actually rose in the first quarter, according to the Federal Reserve Bank of New York.
银行正在逃避重写抵押贷款，尽管他们有动机这么做。
Banks are balking at rewriting mortgages, despite incentives to do so.
银行正在逃避重写抵押贷款，尽管他们有动机这么做。
Banks are balking at rewriting mortgages, despite incentives to do so.
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