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The central bank also announced that it would purchase up to $750 billion of additional mortgage-backed securities, which lost value with the collapse of the U.S.housing market.
VOA: standard.2009.03.18
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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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If it's an 80% mortgage, you would be borrowing $160,000, so you'd have a $160,000 here and you know what this is.
如果按揭80%就需要借16万美元,因此这里等于16万美元
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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 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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The subprime mortgage market was bringing people into the mortgage market who in prior decades would not have been involved-- would not have had any mortgage.
次贷抵押信贷市场,把十多年前那些,不能获得抵押贷款的人,带进了抵押信贷市场
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But the bank would say, hey you're unemployed; we can't give you a mortgage.
但银行会说,你失业了,所以我们不能给你办贷款
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So, people would be turned down for the refinancing of their mortgage.
因此人们重新申请抵押贷款的要求,会被拒绝
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A "Subprime borrower" Is somebody who has a poor credit history or some other indication that would suggest that they might not be able to repay the mortgage-- they might default.
次级借款人"指的是,那些信用记录较差的借款人,或在其他方面显示,他们很可能无力偿还贷款,也就是说他们很可能违约
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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
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You pay every year a fixed amount on your house to the mortgage originator and then after so many-- n is 30 years, typically--you would then have paid it off.
你每年都在你的房子上支付一定数目的偿款,给抵押商然后,数年后,设n是30年,一般来说你已经能偿清贷款了
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