银行不想承接住宅按揭贷款业务。
情况本来可能更坏，好在西班牙银行业已经收回了大量尚未动工建房的土地，且还过住宅按揭的标准也颇为保守。
It could have been worse: Spanish Banks have repossessed huge amounts of land that had not yet been built on, and residential-mortgage standards are rather conservative.
现代银行将贷款决策蜕变成冷冰冰无人情的、以信贷评分和资产价值为基础的公式， 是银行更偏向于均一同质的贷款，比如住宅按揭。
modern banks reduced loan decisions to arm’s-length algorithms based on credit scores and asset values, biasing them towards homogeneous loans such as residential mortgages.
借款人可能最终会在按揭合同中捆绑这类衍生品，作为住宅权益的一种保险。
Lenders could end up wrapping these derivatives into mortgage contracts as a form of home-equity insurance.
例如，将商业性住宅的按揭首付强制性提高至30%，银行则必须阻止消费性信贷被用于住房购置。
For example, mandatory down payments for commercial residential housing were raised to 30%, and Banks must prevent consumer loans from being used for the purchase of housing.
把税收负担从劳动力转向土地，实际上将会降低住宅和商业空间价格，因为；征税之后的租税，不会再次循环进入新的按揭贷款。
Shifting the burden of tax from Labour to land would actually hold down the price of housing and commercial space, because rental value that is taxed would not be recycled into new mortgages.
纽约市的高失业率正在从最贫困的社区向一度安全的中产阶级住宅区中扩散，这里的一些居民已开始拖欠租金和按揭贷款。
High unemployment is spreading in New York City beyond the poorest neighborhoods to once-secure middle-class enclaves, where some residents are falling behind on rent and mortgage payments.
这个原因外加按揭贷款限制都显示小户型住宅将首先得到复苏。
That, and the limitations on mortgage financing, indicates that a revival in housing construction will focus on smaller houses.
因此，住房按揭贷款资产证券化在我国已迫在眉捷，是中国住宅商品化的出路。
So securitization of secured loan assets about housing is very necessary, and it is the way to Chinese housing commercialization.
一旦住宅价格下跌和经济条件恶化，按揭贷款违约和坏帐迅速增加，按揭贷款机构持有大量严重贬值的按揭资产。
Once housing prices declined and economic conditions worsened, defaults and delinquencies soared, leaving the industry holding large amounts of severely depreciated mortgage assets.
一旦住宅价格下跌和经济条件恶化，按揭贷款违约和坏帐迅速增加，按揭贷款机构持有大量严重贬值的按揭资产。
Once housing prices declined and economic conditions worsened, defaults and delinquencies soared, leaving the industry holding large amounts of severely depreciated mortgage assets.
应用推荐