The key aspect of this crisis has been housing, Dimon said. And he said right now there are not any Alt-A mortgages being created.
此次危机爆发的关键因素是是房贷，目前，没有再诞生其他的次级抵押贷款。
He points out that adjusting table-rate mortgages were used much more inexpensive cities, a trend that became more pronounced as the fund rates fell.
他指出，利率可调型房贷在生活水平较高的城市更为普及，这一趋势在联邦利率下降之后变得更为明显。
That allowed for fraudulent practices and, as a result mortgages being given to people who had no assets and no income, prudent lending went out of the window.
这就导致了欺诈行为的发生，结果抵押贷款借给了没有固定资产，没有收入的人，把谨慎借贷的原则抛到了九霄云外。
A big bounce is unlikely: credit for mortgages is hard to get and consumer confidence fragile.
反弹好像并不大：抵押贷款很难得到，并且消费者信心仍很脆弱。
In the banking domain it could be that processing mortgages is outsourced to a mortgage provider.
在银行业务领域，可以将抵押处理外包给抵押业务提供者。
Without that, he declared, no precise estimate could be made of the risks of default in a pool of mortgages.
他宣称，没有数据，根本不能在抵押池中对违约风险做出精确评估。
Before you can test this, you will need to create a new page for adding mortgages to the mortgage table.
在您测试该操作之前，必须要创建一个新的页面，用于向抵押表格中添加抵押。
It was clear that if the bubble got deflated even a little, many mortgages would end up under water - with the price less than the value of the mortgage.
很明显只要只要这些泡沫破灭一丁点，更多的抵押贷款就会以失败终结—以低于贷款价值的价格。
The disaster began with defaults on American subprime mortgages, a financial instrument designed to spread home ownership among the poor.
灾难始于美国次级抵押借款违约，这是为扩大穷人拥有自有住宅而设计的金融工具。
Dubious mortgages are now a growing share of the mortgage-backed market, so there is scope for more trouble.
可疑房贷占房贷担保债券市场的份额越来越大，因此，麻烦可能会越来越多。
The economists looked at a sample of mortgages in a huge data set that covers 60% of America's residential-mortgage market.
从涵盖了美国60%的住宅抵押市场庞大的数据库背景里，经济学家查看了一份抵押贷款案例。
Once the Bank's base rate hits 1%, people with mortgages that track a point below base rate will find themselves paying no interest.
一旦银行基础利率降到1%，那些按揭利率跟踪基础利率一个百分点以下的客户将不用付利息。
All these Banks are fairly small and have a narrow range of products: all relied heavily on mortgages in a strong housing market.
刚才说的这些银行相对来说都比较小，而且产品品种比较单一：他们都很依赖于在一个强大的房地产市场进行购房贷款业务。
So far, it’s managed a couple of hundred thousand mortgages, but that’s been dwarfed by the rising number of foreclosures.
到目前为止，该计划已成功拯救了数十万住房按揭贷款人，但这一成绩在不断飙升的房屋止赎案例数量面前却显得微不足道。
They accounted for a mere 5 percent of mortgages at the time.
当时，它们只占到整个抵押贷款的百分之五。
So a problem in one part of the financial system, such as American subprime mortgages, can quickly become a global issue.
所以金融系统某部分的一个问题可以很快变成全球性议题，像美国次级抵押贷款。
If there is a bond that you expect to go into default (it might be a bond backed by a collection of mortgages), you can buy insurance against the resulting loss in the bond's value.
如果你预期一项债券(有可能是受一系列抵押资产支持的债券)将出现违约，你可以购买保险，以弥补债券价值的损失。
In some cities, people who have paid their mortgages for a decade have little or no home equity.
一些城巿，好些付按揭十年的人手头上只有少许，或没有房屋抵押资产了。
The third option would be to keep the FHA and sell reinsurance on a broader range of mortgages.
第三个方案是，联邦房屋管理局职能依旧，但可以在更广的抵押贷款范围内再保险。
Nevertheless, the country's mortgage Banks are continuing to sell bonds and issue mortgages at a pace similar to that before the credit crisis.
尽管这样，这个国家的住房抵押银行一直在发行债券，并以信贷危机之前类似的规模发放抵押贷款。
For example, an American mortgage-lender might sell a chunk of its mortgages, and the mortgage payments that go with it, to a Cayman company.
比如说，一家美国住房抵押贷款公司可能将其一系列贷款及随着这些贷款一起的费用卖给一家开曼公司。
Bradesco, a large bank, has started to offer 30-year mortgages, something that would have been unthinkable a short time ago.
一家巴西规模很大的银行，已经开始提供30年的按揭贷款，而这在稍前一段时间是想都不敢想的。
Back in 2005 and 2006 received wisdom denied that the rapid growth of subprime mortgages was a problem.
回顾2005年和2006年大家普遍认同的观点是否认次级房贷的快速增长会产生问题。
Such mortgages have been a central cause of the current market problems.
这些贷款是金融市场糟糕现状的最主要原因。
Damon Daniel, an organiser, says none of the 16 who applied got a write-down, though some might have their mortgages converted from an adjustable to a fixed interest rate.
一位组织者达蒙·丹尼尔说，虽然有些申请人的贷款已经从浮动利率转为固定利率，但是16位申请人都没能减少本金。
Damon Daniel, an organiser, says none of the 16 who applied got a write-down, though some might have their mortgages converted from an adjustable to a fixed interest rate.
一位组织者达蒙·丹尼尔说，虽然有些申请人的贷款已经从浮动利率转为固定利率，但是16位申请人都没能减少本金。
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