按揭经纪人说对于信用不良者获得房屋贷款仍非常困难。
Mortgage brokers say it is still very hard for individuals with bad credit to get home loans.
威利斯九年前离开俄罗斯，嫁了个美国人，做起了抵押贷款经纪人。
Mrs Willis, who left Russia nine years ago, is married to an American and works as a mortgage-broker.
“我没法偿还贷款申请，我要为结算付钱，”一位来自佛罗里达州墨尔本市的按揭经纪人Ritch Workman。
"I don't get paid for loan applications, I get paid for closings," said Ritch Workman, a Melbourne, Fla., mortgage broker.
一些人埋怨为他们寻找到客户的次级放款人和经纪人，这使他们背负了太多的贷款，而这些贷款现在致使众多房屋抵押品难以赎回，其付出的代价十分惨痛。
Some blame the subprime lenders and the brokers who found clients for them; together they underwrote many of the loans that are now causing so many foreclosures and so much pain.
什么是社会成本？更不用说抵押贷款经纪人的下一代受到的影响？
What is the social cost of that — not to mention the implication for the next generation of mortgage brokers?
这样将会减少在抵押贷款经纪人中的竞争和增加现有抵押贷款经纪人的收入。
That will reduce competition in mortgage brokering and enhance the incomes of existing mortgage brokers.
经纪人表示，在抵押贷款市场经历了严重的供应收缩之际，这样一家大型银行的出现是可喜的。
Brokers said the emergence of such a large lender was welcome at a time when the mortgage market had suffered a significant contraction of supply.
另一个优势是针对贷款经纪人所设立的激励机制，这些经纪人的大部分收益取决于他们所收还款的金额（佣金）。
Another is the incentive scheme they operate for their agents, the bulk of whose earnings is based on how much they collect.
2007年前，科罗拉多和阿拉斯加是全美唯一两个抵押贷款经纪人不需要州许可的两个州。
Before 2007, Colorado and Alaska were the only states that did not require a state licence for mortgage-brokers.
这使得一些高杠杆的基金严重依赖于自己的一级经纪人来获取贷款。
That leaves the highly leveraged funds heavily reliant on their prime brokers for borrowing.
抵押贷款经纪人表示，中行向客户提供的跟踪利率以基准利率上浮2.5%为起点，是市场上最优惠的利率之一。
Mortgage brokers said its tracker rates starting at 2.5% above the base rate were among the best on the market.
住房贷款（经纪人）会在达成交易时就得到预付的高百分点回扣。
Home loans receive many points up front just in the settling of the transaction.
经纪人是指，在房产贷款经纪业务中聘请销售代表进行与该业务相关的服务的人。
Broker is in the business of brokering real estate loans and engages sales representative to perform services pertaining to such business.
当你的经纪人或贷款机构来说，你要问你为点被引用作为币值，不是个百分点。
When speaking to your broker or lending institution, you should ask for points to be quoted to you as a dollar amount, and not as percentage points.
数不清的经纪人无比热衷于获取丰厚的报酬，他们将过高定价的贷款介绍给客户，这些贷款是客户绝不愿意偿还的。
Too many brokers were far more interested in earning fat fees for steering their clients to ruinously priced loans that the borrowers could never hope to repay.
你看，我们的本能是要始终相信和抵押贷款经纪人比我们更了解。
You see, our instinct is to always trust that the lenders and mortgage brokers know more than we do.
也就是说，他们把借款人的贷款利率较高，他们可能会比其他的资格，因为作出更大的经纪人佣金，所谓的“收益率差的保费， ”这样做。
That is, they put borrowers in loans with higher interest rates than they could otherwise qualify for, because the brokers make greater commissions, called "yield spread premiums, " by doing so.
最狠的一招是，受华尔街银行对抵押贷款证券无境止的需求的驱动，抵押贷款经纪人篡改规定，让次贷借款者签署“骗子贷款”文件。
At the sharp end, mortgage brokers bent the rules to get subprime borrowers to sign "liars' loan" documents, encouraged by the insatiable demand from Wall Street banks for mortgage securities.
他们及其团队被控诉欺诈，为虚假公司提供贷款，向与他们四人利益相关的企业提供贷款，与股票经纪人合谋抬高股价。
They and their teams are accused of fraud, giving loans to fake companies, lending to businesses they had personal interest in, conspiring with stock brokers to drive up share prices.
经纪人和顾问为这些市场的参与者提供信息，并努力确保贷款人和借款人、买者和卖者获得他们敲定一笔公平交易所需的事实细节。
Brokers and advisers provide information to participants in the markets, and attempt to ensure that lenders and borrowers, buyers and sellers, have the facts they need to strike a fair bargain.
美联储通过法规T来限制经纪人对客户的贷款数额。
The Federal reserve regulates the amount of money that a broker may lend to a customer through Regulation T (Reg T).
年金是由保险公司或其他金融机构发行，由代理商、银行、储蓄贷款机构、股票经纪人、财务顾问代售。
Annuities are sponsored by insurance companies and other financial institutions and sold by agents, Banks, savings and loans, stockbrokers, and financial planners.
通过消除单个借款人或贷款人亲自寻找对方的必要，经纪人从根本上减少了交易成本。
By obviating the need for individual borrowers or lenders to search out counterparts themselves the brokers substantially reduce transactions costs.
这些利率表不仅列示了当前的抵押贷款的利率信息，还包含了对经纪人骗取未曾起疑的借款人而能获得的奖金信息。
These sheets showed not just the prevailing mortgage rates but the reward that brokers could reap for bleeding unsuspecting borrowers.
例如，货币市场经纪人会把有钱出借的贷款人与暂时需要这笔钱的借款人拉到一起。
For example, the money-market broker brings together the lender who has money to spare with the borrower who wants it temporarily.
美联储还阻止了贷款公司和中间经纪人发放贷款，在购房者没能证明他们的收入之前。
The Fed is also stopping mortgage companies and brokers from making loans without proof of a borrower's income...
这些经纪人也是只顾得到报酬数量不管贷款质量。
这些经纪人也是只顾得到报酬数量不管贷款质量。
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