Today a similar mortgage would claim more than twice that share of his monthly earnings.
如今类似的抵押贷款要花掉他每月收入的两倍多。
A "subprime borrower" is somebody who has a poor credit history or some other indication that would suggest that they might not be able to repay the mortgage.
“次级借款人”指的是，那些信用记录较差的借款人，或在其他方面显示，他们很可能无力偿还贷款。
So, people would be turned down for the refinancing of their mortgage.
因此人们重新申请抵押贷款的要求，会被拒绝。
The SEC argues that these derivatives gave the hedge fund an incentive to select mortgage securities that would bomb.
证交会表明这些衍生品给了这个对冲基金激励去挑选会出问题的抵押担保证券。
Why would you bother to make a new mortgage when you can buy an old one that only costs 55 cents on the dollar?
每一美元的旧资产，现在只花55美分就可以买到，你为什么要自寻烦恼获得新的抵押贷款呢？
To protect their thin capital, Fannie Mae and Freddie Mac, the big mortgage agencies, said they would limit the volume of new mortgages that they buy.
两大按揭中介，房利美与房地美，为了保护其所剩无几的资本而宣称会对他们所购进的新抵押贷款数量有所限制。
If the bank had to consolidate just 20% of these mortgage assets, tangible assets would rise to about 63 times tangible equity.
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。
The SEC argues that these derivatives gave the hedge fund an incentive to select mortgage securities that would bomb. And bomb they did.
证交会表明这些衍生品给了这个对冲基金激励去挑选会出问题的抵押担保证券。
And even if they were to, the scale of America's mortgage mess would still be daunting.
尽管愿意的话，美国抵押贷款混乱规模仍然令人恐怖的。
"It is clear that an effective mortgage asset purchase program would require a massive commitment of TARP [Troubled asset Relief program] funds," he said.
他说：“显然，要想让按揭资产购买项目发挥作用，就必须向不良资产救助项目中投入大量资金。”
In fact, Countrywide had become a leading purveyor of toxic mortgage products that would take the company to the brink of bankruptcy.
可事实上，全国金融公司当时已是有毒抵押贷款产品最大的承办商，这足已让它濒临破产。
To permit the two mortgage giants to default would set off a worldwide crisis.
如果允许这两个抵押贷款巨头欠款不还的话，可能会引起一场全球危机。
They will also spread the mortgage mess well beyond subprime borrowers, which would lead to greater financial losses.
这样会导致抵押贷款问题蔓延到次级贷款者之外，导致更大的金融损失。
A better route would be to reduce the mortgage principal, giving borrowers a bigger incentive to pay their debt.
更好的方法是减少抵押贷款本金，更大的刺激借款者偿还债务。
The money Banks would be required to allot to mortgage modification would be "extorted," declares The Wall Street Journal.
《华尔街日报》宣称，要求银行为抵押贷款修正拨付资金就是“勒索银行”。
It would also leave out thousands of "mortgage Banks" that typically act as go-betweens linking consumer and secondary financial markets.
银行的这种定义还将使数千家“按揭银行”排除在银行范畴之外，这些“按揭银行”通常充当联系消费者和二级金融市场的中间人。
The subprime mortgage market was bringing people into the mortgage market who in prior decades would not have been involved — would not have had any mortgage.
次贷抵押信贷市场，把十多年前那些，不能获得抵押贷款的人，带进了抵押信贷市场。
Consumers, particularly homebuyers attracted to record low mortgage rates, would borrow and spend more.
消费者，特别是那些打算买房子的人，看到按揭利率达到史上最低，会出手借款并增加消费。
Current homeowners — not speculators who signed self-destructive mortgage agreements, but actual homeowners — would benefit as well.
当前的房屋拥有者(不是那些签下自我毁灭的抵押贷款协议的投机客，而是真正的自住者)同时也会受益。
Therefore the mortgage provider would be a business partner to the bank and require corresponding actors.
因此，抵押业务提供者可以成为银行的业务合作伙伴，从而要求获得一个对应的参与者身份。
At least you'd know where the mortgage payments would come from.
至少可以负担按揭贷款。
Now today, the standard mortgage, which you would probably get when you buy your first house, is not fifteen or twenty — it's thirty years.
今天，标准的抵押贷款，当你买第一套房子时你或许就能得到，期限不是15或者20年，而是30年。
The carrying costs on that $10 million mortgage would have been $400, 000 per year.
这1000万美元的按揭贷款每年的成本即为40万美元。
The U.S. housing market isn't in good shape, but it's frightening to think how bad it would be if mortgage rates weren't this low.
美国房地产市场在低迷中，但是它仍在努力探寻当抵押率不再如此低时走势将是如何。
The second thing is to accelerate the resolution of the home mortgage crisis, which would make businesses more eager to borrow, expand and consumers more willing to spend.
第二件要做的事就是要加快解决房贷危机。 这样，企业将更愿意参与借贷和拓展业务，消费者也更愿意花钱消费。
Few would opt to renege on their mortgage if the equity gap were below 10% of their home's value, the authors find, partly because of the costs of moving.
该研究的作者发现，如果还贷缺口在房屋价值的10%以内，几乎没人会选择贷款违约，一部分原因是搬迁费用不低。
Few would opt to renege on their mortgage if the equity gap were below 10% of their home's value, the authors find, partly because of the costs of moving.
该研究的作者发现，如果还贷缺口在房屋价值的10%以内，几乎没人会选择贷款违约，一部分原因是搬迁费用不低。
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