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Now,late payments are growing. Almost three percent of commercial mortgages were reported at least ninety days late between April and June.
VOA: special.2009.09.04
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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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I want to consider the market for homes and the market for mortgages, which are the instruments that finance homes.
我会关注房屋交易市场,和房贷市场,就是指房屋交易用到的金融工具
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"Through this plan,we will help between seven and nine million families restructure or refinance their mortgages so they can avoid foreclosure."
VOA: special.2009.02.20
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And you have pretty good ideas of what these mortgages behave like over a period of time.
你就能知道,这些新增贷款情况如何了,这需要一段时间。
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For example: giving bankruptcy court judges new powers to reduce mortgages without lender approval -- so-called cramdowns.
VOA: special.2009.02.20
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But you'd like to write your program not in terms of floats and ints and lists, but in terms of mortgages, and CDOs, and all of the objects that you read about in the paper, the types you read about.
但是你可以不基于,浮点型，整型还有链表来进行编程，而是基于一些房贷类，债务抵押债券类来编程,甚至那些你在报纸上看到的类。
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Housing debt is much higher. Still,around two trillion dollars in commercial mortgages are expected to come due for payment within the next five years.
VOA: special.2009.09.04
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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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The idea is that lenders will be more responsible in making loans if they might not be able to pass off risky mortgages to investors.
VOA: special.2009.06.19
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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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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
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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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To fix them requires the action of government." Geithner confirmed media reports that the Obama administration is considering the creation of a regulatory commission that would have broad authority to protect consumers of financial products such as mortgages, credit cards and mutual funds.
VOA: standard.2009.05.20
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Since the 1990s, we've seen a proliferation of new kinds of mortgages that especially are offered to low-income people by certain lenders.
从20世纪90年代,我们看到一种新型抵押贷款在快速发展,它由特定贷款人向低收入人群发放
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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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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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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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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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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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Well, one of the things they've been investing them in are subprime mortgages.
其中一个投资方向,就是次级抵押贷款
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These are two government sponsored enterprises mortgages from banks and other lenders.
这是两家美国政府赞助企业,从其他借贷者手里买如贷款。
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The FHA went further than the HOLC; they demanded that mortgages be twenty years and also self-amortizing.
联邦住宅管理局比房主贷款公司更进一步,他们约定抵押贷款,可以在20年内进行分期偿还
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Low-income people were being given adjustable rate mortgages with very low starter rates, called "teaser rates," " that would be raised in the future.
低收入人群贷款时会享受到刚开始利率巨低的可调利率,但是随着时间的推移利率会慢慢增长“,这就是所谓的“引逗利率。
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Adjustable rate mortgages have a long term -they might last for thirty years -but the interest rate is not fixed for the whole thirty years.
可调利率抵押贷款的期限很长,也许会长达30年,但是利率在30年间并不是固定的
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It started offering, indirectly, but started offering mortgages to all these people who couldn't refinance.
它间接地,向那些无法重新申请抵押贷款的人,提供贷款
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It used to be that mortgages had what's called a balloon payment at the end.
曾有一段时间,抵押贷款中有期末大额偿还制度
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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
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Congress thought that these people could be given more money to operate if someone would buy the mortgages from them, so Fannie Mae started doing that in 1938.
国会认为若从他们那买走抵押贷款,他们就有更多资金去发放贷款,因此房利美从1938年开始运作
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Lots of people could not refinance their mortgages because they were unemployed.
由于失业,许多人无法再次申请抵押贷款
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