人们大多背负着车贷，或许还有房贷，但对许多人来说信用卡往往才是导致债务困难的原因。
Often there'll be a car loan and perhaps a mortgage, but credit cards often seem to be the gateway to debt-related financial difficulties for many.
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.
现在许多人都有支付按月房贷的困难。
Many people are now having trouble making their monthly house payments.
最初这个大市场是面对美国房贷的。
在销售次级房贷中，欺诈猖獗。
当然，房贷市场不是唯一紧张的区域。
它曾经用于房贷，最终叫做气球付款。
It used to be that mortgages had what's called a balloon payment at the end.
没有什么比住房贷款更热。
美国的房贷公司再一次成为了丑闻的中心。
AMERICA's mortgage lenders are again at the centre of a scandal.
当你只能勉强支付房贷时，不应去买游艇。
You don't go buying a boat when you can barely pay your mortgage.
如果房贷市场是个借鉴，这类公司还有很多。
If the mortgage market is a guide, there will be plenty in that camp.
而是通过一个房贷信用中介从债券市场中借贷。
They borrow from the bond market, through a mortgage credit intermediary.
房贷是唯一的例外。
最大的就是房利美和房贷美。
首先是房贷债券的发行者有义务支付本金和利息。
The first is that the issuers of mortgage bonds remain responsible for making payments on them.
房贷真的会花钱。
但是，房贷在大多数非洲国家并不普遍。
有些城市的银行已经部分放松了房贷供应。
我们以前常常认为，我们拥有世界上最好的房贷市场。
We used to think we had the best mortgage market in the world.
出售房贷美和房利美。
房贷都付清了，会的。
受次级房贷的影响，家庭装修市场受到了重创。
The home-improvement market has been badly hit by the subprime-mortgage meltdown.
他说：“最终，我们大家都在为这个房贷危机付出代价。”
"In the end, all of us are paying a price for this home mortgage crisis," he said.
现在，这些城市面临8.6% - 9.7%的房贷拖欠率。
Now those cities have severe delinquency rates between 9.7% and 8.6%.
这些贷方阻止优先抵押的修改，它们害怕这会使顺位房贷连续缩水。
These lenders have resisted modification of first mortgages, fearing knock-on write-downs of their second liens.
另外，他们拥有大量房贷资产，而这类资产的价值在持续快速走低。
And they are heavily exposed to commercial property, an asset class that continues to go downhill fast.
贷方不得不针对房贷留出更少的本金，因为房贷有安全性的附属特性。
Lenders have to set aside less capital for loans against property because of its security as collateral.
贷方不得不针对房贷留出更少的本金，因为房贷有安全性的附属特性。
Lenders have to set aside less capital for loans against property because of its security as collateral.
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