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Now incidentally, often bank loans to corporations are short-term, technically, so the bank is both lending short and borrowing short.
顺便说一下,技术上讲,银行借给公司的都是短期贷款,银行同时进行短期借贷业务
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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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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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It's going to be cancelled next year. I won't get my money back.' Loans must be made even if the debt will be cancelled, for the simple reason that the problem of poverty is a terrible and persistent problem.
因为在来年贷款会被解除，他们就收不回自己的钱了,即使是债务会被免除，人们也必须给人借贷，这仅仅,是因为贫困是一个长久存在的可怕问题。
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But if you need a slave representing your business, and you live in Rome and you need somebody in Ostia, the port city of Rome, to be able to be there and watch your imports and your exports of your business, you need someone who can sign contracts, who can lend money, who can borrow money, who can do things like that.
如果你需要一名奴隶代理你的生意，如果你住在罗马，需要有人，在罗马奥斯蒂亚港口,照看你的进出口生意，就得要能签合同，可以放债贷款，及其他类似事务的人。
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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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So what banks offer is liquidity -the ability to borrow short even though the loans that are made are long-term.
而银行就提供了流动性,即接受短期存款,但可以发放长期贷款的能力
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The originator is the one makes the loan; the servicer is someone who manages the paying of the loan.
原始权益人是发放贷款的人,服务人员是负责管理贷款偿还的人
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But if the loan to value ratio is greater than one, they won't be able to get all the money back.
但如果贷款价值比率大于1,他们就不能追回所有的贷款
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It was granted a monopoly on joint stock banking by Parliament in return for giving war loans to the government.
作为向政府给予战争贷款的交换,英格兰银行被英国国会授予,成为股份制银行的垄断者。
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Suppose you are moving after five years, you took out a thirty-year mortgage and you're moving after five years.
假设你已经偿还了五年贷款,你的贷款总期限是30年,你已经还了五年
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Subprime" Refers to the mortgages that were made mostly over the last ten years or so to subprime borrowers.
次贷"指的是,大约在最近10年中,提供给次级借款人的,住房抵押贷款
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You go to a bank and say, I want to borrow to refinance my mortgage, which is due now.
你去跟银行讲,由于现在的处境,我想再申请已到期的抵押贷款
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Then lastly, there are things like the Internet bubble, they're not usually called this, but--the lending bubble where--or the subprime mess.
其次，市场上还存在像互联网泡沫，不经常被提及的贷款泡沫,此外还有次贷危机。
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He has a new name for it -I think it's called Home Equity Protection Corporation -but almost the same idea.
他已经想出了一个新名字,我想应该是叫做住房资产保护公司,但是这几乎跟房主贷款公司是一样的
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Default rates are shooting up and valuation of securitized subprime mortgages have crashed and it's throwing turmoil all over the financial community.
违约率飞速上升,对于次级抵押贷款的估值也失效了,这还导致了整个金融系统的混乱
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You might have brought in investments or something by borrowing money, so the investment--the combined investment and liability could be very volatile.
你可能通过贷款,进行投资或运行某种项目,因而投资...这种兼有投资,和负债性质的项目,风险极高
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HOLC is no longer with us; it was actually set up as a temporary corporation by the government.
房主贷款公司已经不存在了,它事实上只是,一个政府临时设立的公司
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The collateral could be a number of things including mortgages--securitized mortgages that are risky and dangerous assets.
抵押品可是很多种东西,包括抵押贷款-证券化按揭贷款,这种有风险的，危险的资产。
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So Savings and Loans, traditionally, have made most of their loans in the form of home mortgages.
所以传统的储贷协会,所发放的贷款多为购房抵押贷款
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we have consumers under pressure because of their overextension of credit and they're having overpaid for houses over the last handful of years.
一些承受压力的消费者,因为过度贷款,他们不得不在过去的几年时间里,在买房子的时候花费了更多的钱。
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An originator is a company that lends money to households; they raise money and then they lend it out as mortgages to households.
原始权益人是指借钱给购房者的公司,他们先进行筹资,接着,通过抵押贷款方式向购房者放贷
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The typical -I'm going to talk about the conventional thirty-year mortgage, which has been a standard in the United States ever since the early 1950s.
典型的抵押贷款,我先介绍普通30年期抵押贷款,从20世纪50年代初起,它就是美国抵押贷款的标准期限
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Businesses of course can't actually invest in the lottery -that would be contrary to the terms of their loan -but they can do similar things.
当然了,企业是不能拿贷款去买彩票的,这会有悖于贷款的合同条款,但他们可能会去做类似的事
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The idea was that they would help advance the mortgage market by buying up mortgages from mortgage originators and therefore allowing them to make more mortgages.
其主旨就是通过,从抵押贷款的原始权益人手中,购买这些债权来促进市场的发展,那些原始权益人就可以去放更多的贷款
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You're not a regular businessman running a business; you're a lender to the businesses.
你不是一个经营企业的普通商家,你是给这些企业贷款的人
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When you first buy a house most of your payment is going to interest.
在贷款的初期,你偿还的主要是利息
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There are lots of costs, so you want to have a loan-to-value ratio, which is sufficiently low, that the collateral will cover the value of the loan.
那是一大笔开销,因此你要设定一个足够低的,贷款价值比率,使得抵押物价值能够为贷款提供保障
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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 pays interest on the deposit and it collects interest on the loans and it charges a higher interest on the loan than they pay on the deposit.
银行付给存款人利息,同时收取贷款利息,贷款的利息较高,支付给存款人的利息较低
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