这些抵押债券变得越来越复杂。
作用分担风险的途径，这些抵押类证券出售给全球的投资人。
These mortgage-backed securities were sold to investors worldwide as a way to spread the risk.
在这篇文章我将详细讨论这些抵押，你应该知道。
In this article I will discuss these mortgages in detail, and what you should know about them.
最重要的是，他们能够通过把风险抵押保险人或包装为按揭证券这些抵押贷款。
On top of that, they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities.
投资者希望美国银行回购这些抵押贷款，因为这些贷款存在误报报贷款方能力信息。
They want Banks to buy back mortgages that had misinformation about qualifications of borrowers who received them.
哪怕花旗集团被迫只合并这些抵押贷款资产的20%，该行的有形资产就将达到其有形净值的大约63倍。
If the bank had to consolidate just 20% of these mortgage assets, tangible assets would rise to about 63 times tangible equity.
此外，加权贷款价值比必须保持在绝对可靠的63%，这样就能保证这些抵押贷款处于美国最安全的抵押贷款水平。
The weighted loan-to-value ratio for the loan pool is a rock-solid 63%. These are among America's safest mortgage bets.
为了允许这些抵押贷款用于交易活动同时又不让本地产权法难堪，这一行业就催生出了一个“电子化处理公司”，即，抵押贷款电子注册系统。
To allow mortgages to be traded without falling foul of local property laws, the industry created an electronic-processing firm, Mortgage Electronic Registration Systems (MERS).
这些国家的抵押贷款率逐渐采取浮动利率，然而，德国和法国的通常是固定不变的。
Mortgages are generally variable-rate in these countries, whereas they are fixed as a rule in Germany and France.
抵押经纪人之所以喜爱这些新产品是因为取保一个没有尽头的酬金。
The mortgage brokers loved these new products because they ensured an endless stream of fees.
如果金融集团使用借来的钱去买入更多不同证券，并用来作为抵押，那么这些证券的价值就会增加。
If financial groups use the borrowed money to buy more of the sorts of securities they lodged as collateral, then the prices of those securities will go up.
这些贷方阻止优先抵押的修改，它们害怕这会使顺位房贷连续缩水。
These lenders have resisted modification of first mortgages, fearing knock-on write-downs of their second liens.
罗克斯·巴勒先生认为不抵押市场不同的法律规定导致这些不同。
Mr Roxburgh thinks the differing legal structure of mortgage markets may explain some of the difference.
对这些疯狂的抵押产品来说，应经没有空间，不再搜寻收入认证。
There should be no room for the wildest mortgage products-those that do not seek verification of income, say.
这些公司收集个人所有信贷使用记录，包括账单支付，抵押贷款和信用卡。
The companies collect a history of all credit use by an individual, including payment of bills, mortgages, and credit CARDS.
这些债引发了危机：抵押贷款，很容易就能办到的抵押贷款造成了房地产价格泡沫。
Then there is the debt that set off this crisis: mortgage debt. Overly easy mortgage borrowing financed the house-price bubble.
这些贷款的买主正在要求抵押贷款的原始放贷人回购这些贷款。
The buyers of these loans are asking the original mortgage-writers to buy them back.
另外，这些银行鲜有不良资产，并限制抵押贷款交易量，这一点与许多西方国家银行不同。
That is also because, unlike many Western Banks, they have few toxic assets and limited mortgage exposure.
这种风险会维持多久要依那些作为许多新兴工具抵押的房贷状况而定，这些工具直到前一段时间还在华尔街欢快翱翔。
How far it goes will depend largely on the state of the mortgages that serve as collateral for many of the newfangled instruments that were, until recently, hawked with glee on Wall Street.
该银行甚至重新分配了员工专门来审计这些按揭抵押，以获得更多的抵押贷款！
The bank even reassigned the staff member dedicated to auditing the mortgages to producing more mortgages!
大约900万的房主为负资产，抵押贷款远高于这些房子的市场价。
Around 9m homeowners have "negative equity", mortgage debts greater than the market value of their homes.
这些措施还要求短期抵押贷款(目前利率低)的申请者能符合5年期固定利率贷款的较高收入标准。
The measures will also require applicants for short-term mortgages at today's low rates to meet the higher income standards needed for a five-year, fixed-rate loan.
这些次级房贷抵押证券中，放款银行可能已经识别出某些证券基于可能无法收回的贷款并会有损失。
On these mortgages, the lending Banks might have recognised some losses depending on the likely recovery value of the ones that failed.
空置的公寓可能在佛罗里达，华尔街重新包装了为这些公寓提供资金的抵押贷款，但是最先受到次贷危机重创的却是欧洲的银行。
THE empty condos may have been in Florida and the mortgages that financed them repackaged on Wall Street, but it was banks in Europe that got hit first by the subprime crisis.
杂志称这些资金是用作给其他公司的银行贷款作抵押的，而这些公司与萨里奇有瓜葛。
The magazine claims the money is being used as collateral for bank loans to other companies with connections to Mr Saric.
杂志称这些资金是用作给其他公司的银行贷款作抵押的，而这些公司与萨里奇有瓜葛。
The magazine claims the money is being used as collateral for bank loans to other companies with connections to Mr Saric.
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