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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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And then people get a maintenance loan which helps, like cover the cost of living
然后，学生会得到一笔生活费用贷款，这个帮助学生支付生活费，
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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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You can just get a loan out and pay it all at the end.
你可以贷款，最后再还清。
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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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And everybody gets a tuition loan which is paid straight to the universities.
每个人都有一个学费的贷款，那个是直接支付给学校。
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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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Why don't I lend some of it out and I can earn interest on the loan and make money.
为什么我不贷一部分出去呢,这样我就可以通过贷款赚利息了
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Part of--this is the--it's not loan-to-value ratio-- this is the ratio of mortgage debt to personal consumption expenditure.
这并非贷款价值比率的问题,一定程度上,是抵押率的问题,即负债对个人消费支出的比率
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That means that if you fail to pay on the loan, the property is taken by the lender to satisfy your debts.
这意味着如果你不能偿付贷款,这项资产会归债权人所有以清偿你的债务
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When you mortgage a property that means that you offer the property as collateral for a loan.
当你通过抵押贷款购买一项财产意味着,你需要抵押这项财产的所有权以获得贷款
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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
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Over the boom period, we've been seeing a gradual uptrend; just as loan to value ratios were only 60% in the 1920s, now they're up to 90% or 100%.
在繁荣时期可看到一个逐渐上升趋势,上世纪20年代贷款价值比率只有60%,现在飞升至90%或100%
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Anyway, your loan-to-value ratio is getting pretty precarious because your house is now down 30% in value; your loan-to-value ratio, if we were to give you $5,000, would be something like 90%.
你的贷款价值比变得很不安全,因为你的房子已经贬值30%,如果我们借给你5000美金,你的贷款价值比率在90%左右
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Another example is the Saving and Loan Association.
还有一种存款机构叫做储蓄贷款协会
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The idea was that a lot of people can't afford a house -let's all get together and pool our money -in a Building Society or Saving and Loan Association -and then we'll loan out to some of us to buy the house.
当初的想法是,很多人都买不起房子,那我们就把钱凑在一起,放到一个建房互助协会或储贷协会里,然后向我们中那些要买房的人发放贷款
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If you go to a savings bank, or a savings and loan, or a commercial bank and you say, I want to open up a checking account--that's a deposit; or, I want to open up a saving account--that's a deposit.
如果你去一个储蓄银行或者商业银行，去储蓄或者贷款，你说，我想开个支票账户，这就是储蓄;,或者说我先开个存款账户，这就是储蓄。
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A mortgage lender doesn't want to lend more than the property is worth because that would mean a loan-to-value ratio over one.
抵押贷款的贷方,借给你的钱不会超过财产本身价值,因此贷款价值比率就会大于1
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People can't pay --they can't pay a high interest if they don't have it as a long-term loan.
如果银行不发放长期贷款,他们就不能够支付高额利息
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Saving and Loan Associations were making bad loans, especially in Texas, but in lots of other states as well -this is when Ronald Reagan was President.
当时储蓄贷款协会出现了不良贷款,尤其在德克萨斯州,不过在其它很多州也同时出现了...,当时的总统是罗纳德·里根
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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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Then they came up with the Term Securities Loan Facility.
然后，他们发明了术语,长期资产支持证券贷款。
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Your banker understands that your business can't pay the money back and that the bank has a reputation in the community of helping business people, so they won't ask for the money even though it's a short-term loan that they made to you.
他会理解,你的公司可能无法还钱,在业界里银行向来,有帮助企业家的美名,所以他们不会要求你还钱,即使他们借给你的是短期贷款
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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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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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The loan-to-value ratio--well it's not so much the loan--the maturity was short and the balloon payment at the end that they changed.
贷款价值比率,不,就是期限太短了,期末大额偿还也是罪魁祸首
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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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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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