获准的购房抵押贷款数量大约是长期平均水平的一半左右。
The number of mortgages approved for house purchase is around half the long-run average.
第四部分是购房抵押贷款证券化在我国实施的必要性与可行性。
The fourth section is the necessity and feasibility of the implement of MBS in our country.
有关外国人士购房抵押贷款的更多信息以及巴金斯银行巨大的，一系列可供选择的额外贷款措施，请与当地的抵押贷款银行官员联系。
For more information about the foreign national mortgage propram and BBVA Compass' vast range of additional mortgage options, please contact your local mortgage banking officer.
英国，七月份，购房抵押贷款的核准量降到了33000份，这是自1993年有记录以来的最低核准量，且，与一年前相比，数量下降了71%。
In Britain, the number of mortgages approved for house purchase fell in July, to 33, 000, the lowest since comparable records began in 1993 and 71% below the level a year earlier.
抵押借贷公司已经为购房、购车人提供固定和浮动利率贷款几十年了。
For people buyinga house or a car, mortgage, lenders have offered fixed-rate and variable loansfor decades.
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.
这些投资者中包括数量不多但持续增加的房主，他们以日圆借入抵押贷款，用于在日本以外地区购房；还包括通过网上经纪公司出售日圆的个人投资者，他们往往以很高的杠杆比例实施交易。
These investors included a small but growing number of homeowners taking out yen-based mortgages for houses outside Japan, and individuals selling yen through online brokers, often at high leverages.
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.
与此相反，在丹麦，抵押债券的下跌，往往会鼓励购房者抢购债券，从而尽快赎回他们的抵押贷款——这正是丹麦现在正在发生的。
In Denmark, by contrast, a fall in the value of mortgage bonds usually encourages homeowners to snap them up to redeem their own mortgages, as is happening now.
抵押贷款的一点点提升都会使英国的购房者们受到伤害，因为他们在政策优惠的时候投入了太多。
Britain's homebuyers are vulnerable to quite small increases in the cost of mortgages because they have taken on so much debt during the good times.
美国的贷款购房者也更有可能逃避债务，因为许多抵押资产都“无追索权”，就是说放贷者不能追踪借贷者的其它资产。
American homeowners are also much more likely to walk away from their debts because many mortgages are "non-recourse", meaning that lenders cannot come after borrowers' other assets.
在周三新政策出台以后，抵押贷款利率将会对第一次购房者下调0.27个百分点，也就是说五年期公积金贷款年利率为4.59%。
Under the new rules announced Wednesday, mortgage interest rates will be reduced by 0.27 percent for first-time buyers, to 4.59 percent for mortgages of five years or more.
在2007年的抵押贷款危机之后，很多购房者在买房前变得更加小心谨慎了。
After the mortgage meltdown of 2007, many home buyers have become a lot more cautious before buying a home.
约翰·恰克贷款经纪公司的雷·布尔杰称，由于贷方寻求增加他们的利润，购房者能得到的抵押贷款利率正在上涨。
Ray Boulger of mortgage broker John Charcol said mortgage rates available to property buyers were going up as lenders sought to fatten their margins.
除了借款人所购房屋用作抵押之外，美国应当允许房贷贷款人获得其他的担保，以减少购房投机行为。
America should give mortgage lenders a claim on more than just the borrower's house, so as to deter speculative buying.
前些年新购房者还可以抵押房产的10%来获得贷款，但是到了今天抵押房产的数额就已经接近25%了。
A few years ago a new buyer could get a loan by putting down just 10% of a house's value; today he must come up with something closer to 25%.
最近消息称，财政正在酝酿一个降低购房者抵押贷款的利率，这可能有利于房主努力买出自己的房子。
Now comes news that the department is developing a plan aimed at reducing interest rates on mortgage loans for some buyers of homes. That could be good for homeowners trying to sell.
近期欧元区国家债卷市场利益飙升，这些国家已经提高了新入购房者的抵押贷款的利率。
The recent jump in bond yields in some euro-area countries has raised mortgage rates for new borrowers.
许多购房者-通常是一些信用历史不良的人会选择可调利率的抵押贷款。这种贷款开始利息较低，但是随后会重调为较高的利率。
Many buyers, often with risky credit histories, took out adjustable-rate mortgages, which started out low but later reset to higher rates.
美联储抵押贷款担保证券收购计划到期后，购房者的付款率已出现激增。
The end of the Federal Reserve’s scheme for purchasing mortgage-backed securities has already led to a jump in the rates paid by homebuyers.
美联储抵押贷款担保证券收购计划到期后，购房者的付款率已出现激增。
The end of the Federal Reserve's scheme for purchasing mortgage-backed securities has already led to a jump in the rates paid by homebuyers.
如此大的泡沫还需要有野心勃勃的抵押贷款发放者、轻率的购房者和短视的投资者参与其中。
A bubble so large also required aggressive mortgage originators, imprudent home buyers and myopic investors.
为美国银行提供存款抵押的美国联邦存款保险公司，估计超过150万的贷款购房者最终会无力履行他们的贷款合同。
The Federal Deposit Insurance Corp, which guarantees bank deposits in America, reckons over 1.5m households will eventually be unable to meet their mortgage payments.
在美国房市繁荣时期，人们能轻易得到相当于房产全额甚至高于全额的抵押贷款；而在中国，购房者必须支付至少30%首付款。
During America’s boom, it was easy to get a mortgage for 100% or more of the value of a home, but Chinese buyers have had to put down a minimum deposit of 30%.
对于一些收入水平上升的二次购房客户，原先必须将首次购房的贷款还清后，才可以解除抵押出售旧房。
For some income levels rise after purchase, customers must first purchase the original loan repaid, can lift the selling home mortgages.
贷款方希望购房者首付更多好抵御抵押价值下降。
Lenders want bigger down payments to protect against the falling value of collateral.
多伦多道明银行金融集团首席经济学家，克雷格·亚历山大估计，所有这些措施对于购房者而言将等同于抵押贷款利率上升1%。
Craig Alexander, the chief economist for TD Financial Group, estimates all this will be the equivalent of about a 1% rise in mortgage rates for most homebuyers.
首次购房者往往中意这类房屋，但它们却无法上市，因为它们目前的所有人无法剥离与其相关的抵押贷款。
These are the kind of homes that first-time homebuyers tend to seek out, and they are being held off the market because their current owners are unable to offload the mortgages associated with them.
最好情况下，价格依然会持平，同时，会赶上租房价格。在住房泡沫之前，租房每月成本和抵押贷款购房成本相当。
At best, prices could remain flat while they catch up with rents. Before the bubble, the monthly costs to rent a home were roughly comparable with the monthly costs to carry a mortgage.
最好情况下，价格依然会持平，同时，会赶上租房价格。在住房泡沫之前，租房每月成本和抵押贷款购房成本相当。
At best, prices could remain flat while they catch up with rents. Before the bubble, the monthly costs to rent a home were roughly comparable with the monthly costs to carry a mortgage.
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