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So, when the mortgage ends, you're just clear and free; you don't have to pay anything--nothing comes at the end.
因此,抵押贷款正好在到期时全部还清,贷款期末你不再偿还任何金额
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And the fact that they're actually going to have to pay those loans back when they graduate,
而且，在毕业的时候，学生必须偿还贷款，
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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 that can be something that you pay off for a long time.
可能毕业后的很长一段时间内都在偿还欠下的贷款。
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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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Then if you fail to pay on the mortgage--pay off the debt -the lender can seize the property and sell it.
然而如果你无法偿还贷款,贷方可以没收这项财产并出售
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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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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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When you first buy a house most of your payment is going to interest.
在贷款的初期,你偿还的主要是利息
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in such a way that after the rates were raised, they likely couldn't afford to pay the mortgage anymore or they'd be under great stress in trying to do so.
这种“引逗利率，以至于到后来他们没有能力偿还贷款,或者为了还贷给生活造成巨大压力。
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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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What happens if you don't pay your mortgage?
如果你不偿还抵押贷款会怎样
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That's because, at the end, if- -suppose you're one month or two months away from the payoff of the mortgage, you don't have any balance left, so the interest that you're paying is -hardly any balance left--is very low and so you're payment is paying off principal, mostly.
这是因为,在最后,如果,假设你还剩1到2个月,就可以还清抵押贷款,那么剩下的贷款余额就很少了,因此你所需要付的利息,将会非常少,因为贷款余额几乎为零,此时你偿还的就主要是本金
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What this equation merely says is that the present value of your remaining payments is always equal to the mortgage balance.
这个等式说明了,剩余偿还额的现值,就等于抵押贷款的余额
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They demanded that the mortgages be self-amortizing -this is what came in in 1933.
他们希望抵押贷款能够分期偿还,1933年这个要求得以实现
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They also had--they were--back then, in the 1920s, they were called balloon payment.
上世纪20年代有一种,称为期末大额偿还的贷款方式
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This is how they actually compute the payments because you can take, if you want--if someone is borrowing -let's bring it up to today- they're borrowing $200,000.
这就是计算贷款偿还额的方法,比如,如果某人要借款,我们用现实的例子,假设要借20万美元
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Then to get the monthly payment, you take the square bracketed thing and you divide by the mortgage balance and that's the monthly payment; that's how it's calculated.
如果要算每月偿还额,你用贷款余额,除以这个方括号的值,这样就得出每月偿还额,这就是每月偿还额的计算方法
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If you buy a house and you don't pay the mortgage, the contract says you lose the house-- you're out--you've got to pay or it goes back to the mortgage originator.
如果你抵押贷款买房,却没有还房贷,贷款合同规定,你将被取消赎回权,失去房子,所以你必须偿还贷款,否则你的原始贷款人就会收回房子
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At every point of time your mortgage balance is equal to your mortgage payment times that square bracketed thing, where T is the amount of time you have left.
在每个时间点的抵押贷款余额,都等于每月偿还额乘以,方括号内的值,T是剩余年份数
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