Otherwise, if you ask them to pay more at the end, then a lot of people won't have the money.

不然,如果你向他们在最后索要更多的还款,很多人都不会有那么多钱

耶鲁公开课 - 金融市场课程节选

That would be like a quarter of 1% to postpone your payment by another year; so time was really cheap.

也就是说只需要付1%的1/4就能,延迟一年还款,时间的价值很低

耶鲁公开课 - 金融市场课程节选

But if you wanted to postpone it over seven years or so, time got a lot more expensive.

但如果你要延迟七年以上时间还款,时间价值就很昂贵了

耶鲁公开课 - 金融市场课程节选

You just pay it every month and then you just stop paying at the end of thirty years.

你每个月定期还款,直到第30年末停止偿还

耶鲁公开课 - 金融市场课程节选

And get rid of this balloon payment thing at the end -that was a dumb idea.

并取消了期末大额偿还的还款方式,期末大额偿还是很愚蠢的做法

耶鲁公开课 - 金融市场课程节选

The HOLC said, don't worry if they don't pay, we'll pay.

房主贷款公司说,别担心,如果房主不还款,我们来还

耶鲁公开课 - 金融市场课程节选

If you can afford the mortgage payment, then you're all set.

如果你能负担起还款就可以安心了

耶鲁公开课 - 金融市场课程节选

Then they deal with the households by having a local office and telling people what their balance is and calling them up if they're not paying and that sort of thing.

他们还会建立地方办公室,以便处理后续事宜,告知人们,他们的贷款余额,如果没有按时还款,就给他们打电话,以及类似的事情

耶鲁公开课 - 金融市场课程节选

Your mortgage payment is constant through time but the fraction of it that goes to paying off principal versus interest changes through time and it just changes as dictated by this formula.

抵押贷款每月还款是固定的,但是其中本金和利息的比例关系,会随时间而改变,这是由这个公式所决定的

耶鲁公开课 - 金融市场课程节选

The people who are in the know -know who's trustworthy as a borrower and who has a good prospect of paying it back -but if I go in there ignorantly, I'm going to get stuck with the worst stuff.

那些行家老手们,就知道哪些借款人是可信的,钱借给谁还款的把握比较大,但如果我懵然不知就把钱投进去了,就可能会落得个血本无归的结果

耶鲁公开课 - 金融市场课程节选

If you do it in monthly terms your interest rate is r/12 because there are twelve months in a year.

如果是每月还款那么月利率是r/12,因为一年有12个月

耶鲁公开课 - 金融市场课程节选

If they quote the rate on the mortgage, call that r Traditionally you would be paying monthly.

如果给定贷款利率,记为r,通常你是每月还款

耶鲁公开课 - 金融市场课程节选