然而随着房价的不断下跌，有数十万贷款购房者面临止赎。
Instead, with home prices now falling, hundreds of thousands of homeowners are facing foreclosure.
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.
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.
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.
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.
但是新的政策为二套房贷款设定了更高的利率，已使她的购房计划变得昂贵得难以负担。
But the new policies setting higher rates for purchases of second homes made that prohibitively expensive.
但是，这些产品对购房者影响不大，而且也只是在最近几个月减少了约2 %的按揭贷款。
But these products are still among the least competitive and account for only about 2% of mortgages lent in recent months.
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.
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.
对于未来的购房者来说，贷款会多少容易一些了。
Loans are a bit easier to come by for prospective homebuyers.
银行把数百万美元的风险房贷款发放给购房者，而这些人后来却发现他们根本就没有能力支付房贷。
Banks put up millions of dollars in risky mortgage loans to home buyers who later found they could not keep up with the payments.
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.
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.
船只贷款比购房贷款的利率要高得多得多。
Boat loans have significantly higher interest rates than mortgages.
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.
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.
使用这种贷款的购房者将会受益于昨天的降息，尽管今天的跟踪按揭贷款比几个月前要贵一些。
Home owners with this kind of loan will have benefited from yesterday's rate cut, although trackers being taken out today are more expensive than a few months ago.
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%.
他会为大约15%的初次购房者提供比较低首付的住房贷款。
It will continue to provide somewhere around 15% of new home buyers lower down payment mortgages.
但真正可能受到伤害的是购房者。对于自己借入的高风险贷款，他们几乎无力负担，或者压根就没搞明白。
But the real casualties may be homeowners, who often took out risky loans they could barely afford or did not understand.
两房同时妨碍了对23%的负资产购房者实施的援助，这些购房者需要偿还的贷款额超过了所购住宅的价值。
The GSEs also hamper help for the 23% of homeowners in negative equity, with loans worth more than their homes.
调查发现，84%的潜在首次购房者推迟购房是因为他们认为银行不会贷款给自己。
It found that 84 percent of potential first-time buyers are put off by a belief Banks do not want to lend to them.
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.
相关规定限制了购房者最多只能贷到不超过房屋价值80%的贷款。
Regulations limit the amount that can be loaned to homeowners to no more than 80% of the value of the home.
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.
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.
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