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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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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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One peculiar property of this--incidentally, at every point of time this thing holds, this is time to maturity.
顺便说一下这个公式一个特别的性质,这个等式在任何时候都成立,这是贷款剩余期限
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The banks weren't willing to lend more than five years because they didn't trust you; they thought things would change and whatever.
银行不愿批准期限超过五年的贷款,因为他们不相信你,他们认为世事难料
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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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Now today, the standard mortgage, which you would probably get when you buy your first house, is not fifteen or twenty--it's thirty years.
今天,标准的抵押贷款,当你买第一套房子时你或许就能得到,期限不是15或者20年,而是30年
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The thirty-year mortgage came in the early 1950s but it seems to have gotten stuck at thirty-year.
0世纪50年代初出现30年期的贷款,这之后期限不再增加
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A typical home--a conventional thirty-year-- this is what most people get today and that's--except for subprime.
一个典型的住宅,期限一般是30年,除了次级贷款之外,今天大部分抵押贷款期限都是30年
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It was really the government that made the switch from five-year mortgages to the long-term mortgages.
这实际上是政府主导的改革,从五年抵押贷款变成更长期限的抵押贷款
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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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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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The maturity of a mortgage is the date when it's paid off.
其中抵押贷款期限是指清偿贷款的日期
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You see what the problem was: the mortgages were too short.
你看到问题了吧,抵押贷款期限太短了
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