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they either pay you interest or they have to reorganize and they pay you principle or they have to reorganize.
不管他们是主动支付你利息还是不得不兑现,同时不管他们是优先向你支付还是他们不得不兑现。
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You would probably not even think to say, pay me 3% interest plus the rate of inflation over the next year.
你甚至可能根本不会想到说，支付3%的利息外加来年的通货膨胀率。
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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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When the date came, you would cut the coupon off and go to the bank and get your interest payment.
到息日到了以后，你就可以剪下这张息票拿到银行,去兑换利息。
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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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Self-amortizing means that you're not just paying the interest every year -or every month--you're paying interest plus principal.
分期偿还是指,每年或者每个月,你不仅偿还利息,还要偿还利息加上部分本金
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You wouldn't buy this bond at par because at par, meaning at $100- because then you wouldn't get any interest on it.
你不是以平价买入,平价买入,意思是以100面值买,否则就没有利息收益了
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The British Government will never promise to pay you 10% more each year because they can't do it.
英国政府永远都不会承诺给你们,每年支付你们高于10%的利息,因为他们根本就做不到
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What if the British government promised to pay 10% more each year, how would the market value that?
如果英国政府承诺,每年都支付高于10%的利息会怎么样呢,市场该如何定位它
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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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You're given coupon payments every six months and then, when the bond matures,you get your money back.
每六个月你会收到一次利息,当债券到期,你可以赎回本金
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One thing to do is to go back and ask, what really are the reasons for interest?
我们回过头想想,什么因素决定了利息呢
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I wanted to talk about the theory of interest as presented by Professor Irving Fisher at Yale, who is famous for having exposited that.
接下来要讲的是利息理论,是由耶鲁的欧文·费雪教授所提出的,他因阐述这个理论而出名
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It used to be that people would hide money in their house and it would frequently get stolen and it didn't earn any interest.
过去人们往往是将钱藏在家里,经常被盗不说,还没有任何利息收入
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You may say, what audacity for the British Government to promise to pay anything forever.
你会说,英国政府鲁莽地承诺,永远支付利息
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What is it that we're talking about when we talk about the rate of interest?
讲到利息率的时候,我们将讨论什么呢
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Effectively, you get interest from this because it's sold at a discount, so the price that you pay is equal to one hundred minus the discount.
实际上,你仍然从中获得利息,因为债券是打折出售的,所以买入价,等于一百减去折扣
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It was interest, interest, interest until the end and then it was the $5,000.
先是还利息,利息,利息,期末再还本金5000美元
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If it turns out that they're money good, you get your interest and you get $1 for every $.85 that you invested in a few years.
如果市场证明它们确实是优良资产,那么几年后你就能获取利息,每85美分可以获利1美元利息
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Whereas, at the beginning, the mortgage balance is dropping only very slowly because you've got a lot of interest to pay and your mortgage payment is constant.
而在贷款初期,贷款余款减少的则非常缓慢,这是因为还款额是固定的,同时你还要偿付大量的利息
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The next lecture will be about real estate and that brings us into the subprime crisis and connects with interests that are central to my own thinking.
再下一节课我们会讲房地产,房地产带来了次贷危机,以及其与利息的联系,我认为这种联系是最核心的
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Now, these are different from bills, as I emphasized, because they pay interest.
他们不同于短期国库券之处,是要支付利息
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The critical thing about a discount bond is it pays no interest.
要记住贴现债券不支付利息
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What that means is that you would borrow $5,000 to buy a house and in five years and every year along the way you'd be paying interest on your mortgage.
它的意思是,你借了5000美元去买一所房子,期限是五年,在这五年内,每年你要归还抵押贷款的利息
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The interest on $2 million dollars is--what is that?
百万美元的利息是多少呢
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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
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We still call them coupons.
我们仍把当期债券利息叫做"票息"
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if your friend asked to borrow $100 from you, ... you would probably not say-- you might actually put interest on this person, so you could say, alright, I'll do it with 5% interest, pay me back in a year.
你的朋友向你借100美元，你可能不会说-,你可能会对他收取利息，因此你没准会说，好吧，我要收5%的利息，一年之后连本带利还我。
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Then later on,whenever you want, you can take your money out Meanwhile, they invest the deposits some way or another at a higher interest rate than they pay on the deposits and they make the difference and that's how they make a profit.
然后你什么时候需要你就可以把钱取出来,同时储蓄机构以比给你的利息,更高的利息储蓄,或者投资，这就出现了差价,这就是储蓄机构盈利的方法。
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It used to be that the government didn't let banks pay more than a certain amount on their deposits and that helped protect banks because then they didn't have to compete to pay high interest rates -then be incentivized to make risky loans to try to make money with those high interest rates.
在这之前,政府不允许银行对存款,支付超过一定数量的利息,那样做是为了保护银行,因此他们不必争相,去支付高额利率...,因为在高利率支付下银行会倾向于,发放高危贷款以获取利润
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