受制于三大瓶颈固定利率房贷到底离我们有多远?。
Restricted to the three major bottleneck fixed rate mortgage is far from us?
但是，他们的苦难可能还没到头，比如当明年价值4750亿美元的可调节利率房贷转成更高利率的时候。
However, there could be more pain ahead, for instance when some $475 billion-worth of adjustable-rate mortgages switch to higher rates next year.
房屋价格肯定会下降，而房贷破产也会上升，而房主也会为2006年贷的“诱惑性”贷款转为高利率房贷而苦恼。
House prices will surely fall further and defaults increase, as homeowners struggle to cope with higher mortgage rates from "teaser" loans taken out in 2006.
在提供低利率房贷的美国两大国有企业房利美(FannieMae)和房地美(Freddie Mac)破产后，违约加速。
It gathered pace after the failures of Fannie Mae and Freddie Mac, two government-sponsored enterprises that provide cheap home loans.
他指出，利率可调型房贷在生活水平较高的城市更为普及，这一趋势在联邦利率下降之后变得更为明显。
He points out that adjusting table-rate mortgages were used much more inexpensive cities, a trend that became more pronounced as the fund rates fell.
许多人不知道他们房贷的条款或者是他们所要还的利率是多少。
Many people don't know the terms of their mortgage or the interest rate they're paying.
通过降低这两个机构的基金建设费用，业主所承受的房贷利率高压状态也应该有所缓解。
By lowering the funding costs of the two agencies, the rescue should also bring down mortgage rates for hard-pressed householders.
大部分专家表示，如果房贷利率进一步降低，房价有可能回升。
Most experts say if mortgage rates do go lower, home prices are likely to recover.
美联储和财政部制定了各种计划，帮助房屋贷款人。最近房贷利率已经降至几年来的最低水平。
Both the Fed and the Treasury have initiated various programs to assist mortgage borrowers and recently mortgage interest rates have fallen to their lowest levels in several years.
拉加德建议采取更为积极的方案来削减房贷本金或者帮助购房者以更低的利率再融资。
Ms Lagarde suggested more aggressive schemes to reduce mortgage principal or help home-owners refinance at lower rates.
船只贷款比购房贷款的利率要高得多得多。
Boat loans have significantly higher interest rates than mortgages.
星期二，美联储暗示打算把房贷利率进一步降低。
Tuesday the Federal Reserve signaled its intention to drive mortgage interest rates lower.
他说，“此次行动是为了降低房贷的利率，为纳税人造福。”
It is aimed at getting [mortgage] rates lower and it is a great deal for the taxpayer.
有种说法是，具官方色彩的房贷银行和抵押机构的给银行利率已经不能再低了。
One explanation is that the quasi-governmental home-loan banks and mortgage agencies have been lending to bank at rock-bottom rates.
虽然如今银行手续麻烦，但房贷的利率和对信用额度的限制都比信用卡低得多。
Interest rates on home-equity loans and lines of credit are far lower than those on credit cards, though most banks now make you jump through more hoops to get them.
而且低利率也要同信贷紧缩平衡，后者导致购房者更难获得房贷。
And low rates need to be balanced against the fact that tighter credit conditions make it harder for homebuyers to get mortgages.
但是新的政策为二套房贷款设定了更高的利率，已使她的购房计划变得昂贵得难以负担。
But the new policies setting higher rates for purchases of second homes made that prohibitively expensive.
而我看到联储会的这项声明，我发现这是联储会希望经由购买房贷债券来促使房贷利率下降。
And I look at this statement [from the Federal Reserve] and see that this is a Fed that is trying to push mortgage rates down by buying mortgage securities.
低迷的房价再加上超低的房贷利率并不能重振房地产市场，尤其当购房者税收抵免优惠于四月到期以后。
As it is, already-low home prices coupled with low rates haven't done much to revive housing, especially following the expiration in April of the home buyer's tax credit.
纽约梅隆银行的首席经济学家侯伊说：“如果房贷利率再下降，对经济会产生巨大好处。”
"If we get mortgage rates down that is going to have a great deal of beneficial effect on the economy," said Richard Hoey, the chief economist at the Bank of New York Mellon.
紧跟美国国债利率的下滑，房贷利率也已回落至历史低位。
Mortgage rates have fallen back to historic lows, tracking declines in yields on American government bonds.
Oster先生表示，还在背房贷户主应在假设利率在明年此时将会增长100个基础点左右。
Mr Oster says homeowners with mortgages should assume interest rates will be about 100 basis points higher by this time next year.
今天一家悉尼银行说，澳联邦的标准多元房贷利率将上调45个基点，或0.45%，在11月5号达到7.81%。
CBA’s standard variable home loan interest rate will be increased by 45 basis points, or 0.45 percentage point, to 7.81 percent on Nov. 5, the Sydney-based bank said today.
另一方面，第二套房的贷款利息由基准利率上浮10%，考虑到过去多家银行已将实际住房贷款利率调整为基准利率下浮10%-15%，新的贷款利率实际增长了20%-25%。
de facto rise of 20%-25%in consideration of the actual home loan interest rate which was adjusted to 10%-15% below the benchmark interest rate by most banks in the past.
但随着利率的上升，这些贷款的质量恶化，Country wide Financial和IndyMac等较大的次优房贷公司的股价也一落千丈。
But as interest rates have climbed, these loans have soured and the shares of bigger subprime lenders, such as Countrywide Financial and IndyMac, have sagged.
洲最大的房贷银行，澳大利亚联邦银行(Commonwealth Bankof Australia)将按央行上调量的两倍量调高其标准按揭利率。
Commonwealth bank of Australia, the nation's biggest home lender, will raise its standard mortgage interest rate by almost double the central bank's increase.
虽然央行允许商业银行为个人房贷提供的利率优惠从先前的10%升至15%，但贷款利率的上调还是对房地产的消费造成了影响。
Though it also allows commercial Banks to offer a 15 percent discount on individual mortgages, up from the previous 10 percent discount, the hike still hit real estate consumption.
虽然央行允许商业银行为个人房贷提供的利率优惠从先前的10%升至15%，但贷款利率的上调还是对房地产的消费造成了影响。
Though it also allows commercial Banks to offer a 15 percent discount on individual mortgages, up from the previous 10 percent discount, the hike still hit real estate consumption.
应用推荐