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The history of mortgages is that they have generally over time gotten more easy on loan-to-value ratio and also on maturity.
从抵押贷款的历史来看,随着时间推移,抵押贷款,对于贷款价值比和期限越来越宽松
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Then I want to talk about mortgages, which is the way that we finance both commercial and owner-occupied real estate.
然后再讲一下抵押贷款,它可以为,商业地产和自住房产提供融资
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At the end of the loan upon your payment of the principal and of sufficient additional interest, John Milton, Sr., the goldsmith, would return to you the gold that you had entrusted to him.
在贷款期限到期时，在你支付了本金,和额外的利息后，金匠约翰弥尔顿会把你托付,给他的金币还给你。
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If a firm is competing against a customer let's say for a non-prime loan perhaps that assumption is not quite so safe.
如果一家公司在和客户博弈,比如发放说次级贷款,可能假设不是那么完备
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In other words there was not enough data on these things, in other words, with other conventional mortgages, you have data covering peace and war, prosperity and depression and so forth and you can follow these data back for decades.
换句话说,关于这些新增贷款没有足够数据，换种说法，和其他传统贷款相比，你有和平和战争时期的数据，有市场繁荣和萧条时的数据等等,你可以追述这些数据。
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That's happened now primarily as the result of losses in, now all mortgages, but mortgages and levered loans.
这正在发生，主要是因为，现在所有的抵押贷款，包括抵押贷款和杠杆贷款上的损失。
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It tells how--there's a conforming loan limit that is a limit on how much Fannie and Freddie -how big a mortgage they can make to one homeowner.
两者都有一个贷款限额标准,也就是限定房利美和房地美,面向单个购房者的抵押贷款额度
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It was just part of the new President Bush's plan to increase the conforming loan limits on Fannie and Freddie to allow them to lend at a higher price.
小布什总统的政策之一就是,增加房利美和房地美的贷款限额,以便让他们可以在高房价下继续贷款
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We need--and there's a lot of talk in Congress right now -we need to think about new regulations that protect individuals, much like the regulations that the HOLC and the FHA made.
现在国会里有很多人都在讨论这个问题,我们需要思考关于,能用来保护个人权益的新法规,像房主贷款公司和联邦住宅管理局的制度
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so ta retail bank sells the mortgage and then the retail banks flips it to Fannie Mae and Freddie Mac which essentially package huge numbers of the mortgages across the countries.
所以商业零售银行发行贷款，they…,然后商业零售银行将贷款转手,卖给房地美和房利美,事实上是收集了,大量的,全国的房贷。
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Your mortgage payment is constant through time but the fraction of it that goes to paying off principal versus interest changes through time and it just changes as dictated by this formula.
抵押贷款每月还款是固定的,但是其中本金和利息的比例关系,会随时间而改变,这是由这个公式所决定的
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She doesn't spend her bodily wealth and fulfill the terms of nature's loan And so for Comus, the Lady is hoarding the natural asset of her physical beauty.
她不花费自己的身体财富和不履行自然的贷款条件,对于Comus来说，小姐在囤积自然给她的美貌资产。
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We've had a growth in popularity of ARMs, which are adjustable rate mortgages.
我们看到了ARMs贷款的发展和普及,ARMs是指可调利率抵押贷款
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In other words, banks may lend to you or to me re risky borrowers but they sell the mortgages to Fannie Mae or Freddie Mac they get their money right then and there.
换句话说，银行可能借钱给我们,知道我们的信用度不高，knowing，that，we’,但是银行把贷款卖给,房地美和房利美,转手就拿到现钱。
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You can argue that the government, largely in person of Barney Frank messes things up by encouraging Fannie Mae and Freddie Mac to make a market of loans t really have been made in the first place.
您可以说政府，尤指巴尼，弗兰克本人,让事情变得糟糕,他鼓励房利美和房地美,为贷款创造市场,他们实属不应该，they，shouldn’,设计这样的贷款。
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s up to the Fannie Mae or Freddie Mac to collect mortgages over the next thirty years So let me make sure I have the sequence right Housing prices extremely high among other entities congress place pressure on the banking systems they were ordinary banking systems to make loans more and more affordable.
结果是房地美和房利美，And，it’,在过去三十年收集全国贷款,让我整理一下顺序,房价很高,及其他政府机构,给银行压力,即普通银行,放贷给民间,让更多人买得起。
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