Mortgage servicers,lenders and borrowers will receive incentive payments for the success of restructured loans.

VOA: special.2009.02.20

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

耶鲁公开课 - 金融市场课程节选

They are borrowers that are thought, by the various models, to be likely to fail to pay on their mortgage and to have to be foreclosed; often low income, but also they're people with poor credit histories.

通过一些模型的计算,这些借款人,很有可能无法偿付贷款,抵押房产会被贷款人收回,借款人通常属于低收入人群,而且这些人没有很好的信用记录

耶鲁公开课 - 金融市场课程节选

And one rate that matters a lot right now is mortgage rates, and those typically follow Treasury rates,"

VOA: standard.2009.03.18

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。

斯坦福公开课 - 经济学课程节选

I still think everything is not perfect in our mortgage situation in the U.S., and the dollar is rallying, but that's a bad thing right now.

VOA: standard.2010.05.21

So, when the mortgage ends, you're just clear and free; you don't have to pay anything--nothing comes at the end.

因此,抵押贷款正好在到期时全部还清,贷款期末你不再偿还任何金额

耶鲁公开课 - 金融市场课程节选

It was the mass-issuance of mortgages to consumers with poor credit ratings that led to a rash of mortgage defaults and home foreclosures beginning in late 2007.

VOA: standard.2009.10.01

Then if you fail to pay on the mortgage--pay off the debt -the lender can seize the property and sell it.

然而如果你无法偿还贷款,贷方可以没收这项财产并出售

耶鲁公开课 - 金融市场课程节选

Economist Rebecca Blank with the Brookings Institution here in Washington was optimistic that positive results will come from efforts to prevent more job losses and mortgage defaults.

VOA: standard.2009.03.10

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

耶鲁公开课 - 金融市场课程节选

A once-successful titan in the insurance industry, AIG (American Insurance Group) became enmeshed in America's home mortgage meltdown by insuring questionable debt accrued by banks and other institutions around the world.

VOA: standard.2009.03.24

Whatever the mortgage rate is quoted, you substitute it into this formula and you find out what the square bracket thing is.

如果知道利率,你把它带入公式,就能得出方括号的数值

耶鲁公开课 - 金融市场课程节选

But the firms most often blamed for precipitating the crisis were colossal investment houses, mortgage institutions, and insurance corporations, many of which required multi-billion-dollar bailouts or government takeovers to stay afloat.

VOA: standard.2009.10.01

When you first bought the house they told you what the mortgage payment was and they're fixing that forever, well for thirty years.

最初你买这套房子的时候,他们已经告诉你每月偿还额是多少,在未来30年里这是固定的

耶鲁公开课 - 金融市场课程节选

"If we are able to work something out with the borrower, were they get to keep their house, and my client gets to have payments according to the mortgage, that's a win for everybody."

VOA: standard.2010.02.17

The subprime crisis is happening today because home prices are falling and with falling home prices more subprime borrowers are failing to pay their mortgage.

次贷危机之所以会发生,时因为房屋的价格在下降,随着房屋价格的下降更多的次贷借款人,将会无法支付他们的贷款

耶鲁公开课 - 金融市场课程节选

And where that requires a change of management of the board, we will do that,". Geithner noted the government overhauled the boards of mortgage giants Fannie Mae and Freddie Mac and insurance company AIG.

VOA: standard.2009.04.05

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

耶鲁公开课 - 金融市场课程节选

To some in Washington, Federal Reserve Chairman Ben Bernanke is the master economist whose aggressive actions and creative solutions prevented complete economic collapse in 2008, when major American banks, investment firms,insurance companies, and home mortgage giants were failing at a catastrophic pace.

VOA: standard.2010.01.24

Whereas, at the beginning, the mortgage balance is dropping only very slowly because you've got a lot of interest to pay and your mortgage payment is constant.

而在贷款初期,贷款余款减少的则非常缓慢,这是因为还款额是固定的,同时你还要偿付大量的利息

耶鲁公开课 - 金融市场课程节选

In the first 51 days of this president, the administration has passed a series of really dramatic moves: the biggest financial rescue package that we have seen in decades, the largest stimulus in the history of the country, the biggest home foreclosure prevention and mortgage assistance program since the Depression."

VOA: standard.2009.03.15

A peculiar property of this is that the mortgage balance falls slowly at first and then it gradually picks up; it's just a property of this formula.

其中一个特别的性质是,刚开始抵押贷款余额降得很慢,渐渐的,越降越快,这就是这个公式的性质

耶鲁公开课 - 金融市场课程节选

So, that's a funny property of conventional mortgages -that the mortgage balance declines very slowly at first and then it falls rapidly when it comes to maturity.

这是普通贷款很有意思的特性,即贷款余额在起初减少的非常缓慢,但随着到期日的临近,便会加速递减

耶鲁公开课 - 金融市场课程节选

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

耶鲁公开课 - 金融市场课程节选

Then to get the monthly payment, you take the square bracketed thing and you divide by the mortgage balance and that's the monthly payment; that's how it's calculated.

如果要算每月偿还额,你用贷款余额,除以这个方括号的值,这样就得出每月偿还额,这就是每月偿还额的计算方法

耶鲁公开课 - 金融市场课程节选

Saving and Loan Associations, by the way, no longer exclusively limit themselves to mortgage lending -either they do home improvement lending and auto loans and the like as well.

顺便提一下,储贷协会,现在也不仅限于发放抵押贷款,他们也发放住房装修贷款,及汽车消费贷款之类的

耶鲁公开课 - 金融市场课程节选

We did have a large,short position in subprime mortgage-backed securities, which has paid off enormously for the University and really helped protect assets in the past nine months or a year.

我们确实曾持有很多,次级抵押担保证券的空头,它们为耶鲁赚了不少钱,并且在过去的9个月或1年间,为资产保值发挥了实在的作用

耶鲁公开课 - 金融市场课程节选

Of course, banks would be reluctant to do it by themselves, but the government's coming with a checkbook to write the money, so they can make the mortgage, and guarantees it.

当然,银行不愿亲自操刀,但是政府带着大量拨款来了,由他们发放抵押贷款,并给予担保

耶鲁公开课 - 金融市场课程节选

It's very important to understand that the mortgage balance is recomputed, according to this formula every month and they will send you a statement showing how your mortgage balance is falling.

根据这个公式 抵押贷款余额,每个月都要重新计算,理解这一点非常重要,他们会给你寄对账单,告诉你抵押贷款余额减少的情况

耶鲁公开课 - 金融市场课程节选