即使房价很快企稳，非抵押信贷会随着经济下滑而继续恶化。
Even if house prices stabilise soon, non-mortgage credit will go on deteriorating as the economy shrinks.
抵押信贷机构担心，一旦他们写下贷款金额，抵押债券持有人会对他们提出诉讼。
Any lenders fear lawsuits from mortgage bondholders if they start writing down loan values.
对那些战战兢兢的投资者来说，这种证券工具能为美国抵押信贷市场提供一个更加安全的方向。
For jittery investors, these are instruments that offer safer exposure to America's mortgage market.
对那些战战兢兢的投资者来说，这种证券工具能为美国抵押信贷市场提供一个更加安全的方向。
For jittery investors, these are instruments that offer safer exposure to America’s mortgage market.
次贷抵押信贷市场，把十多年前那些，不能获得抵押贷款的人，带进了抵押信贷市场。
The subprime mortgage market was bringing people into the mortgage market who in prior decades would not have been involved — would not have had any mortgage.
在美国，次级贷款只在抵押信贷市场中占有相对较小的份额，而抵押信贷市场也只是美国金融市场的一部分。
In the United States subprime lending was a relatively small bit of the mortgage market-itself just apart of America's financial markets.
房地美对于标准类抵押信贷利率的每周调研显示，8月26日当周15年期固定利率抵押贷款的平均利率是3.86%。
The average rate on a 15-year fixed-rate mortgage was 3.86% for the week ending August 26, according to Freddie Mac's weekly survey of conforming mortgage rates.
早在2005年，2006年的时候，美林证券公司和美国国际集团的高级执行官已经对公司受到抵押信贷市场的影响表示忧心忡忡。
Inside Merrill Lynch and AIG, senior executives worried as far back as 2005 and 2006 about their firms' exposure to the mortgage market.
如果抵押贷款成了你唯一的信贷时，罚款。
这些公司收集个人所有信贷使用记录，包括账单支付，抵押贷款和信用卡。
The companies collect a history of all credit use by an individual, including payment of bills, mortgages, and credit CARDS.
虽然当时的这些举措帮助信贷市场稳定了数月，但现在对抵押贷款以及金融机构健康情况的忧虑又再次显现。
Although the moves helped stabilise credit markets for several months, worries about mortgage debt and the health of financial institutions have flared up again.
许多小企业无法获得信贷，人们不能使用其财产作为抵押，市场上没有竞争者所以价格难以降低。
Many small businesses cannot get credit, people cannot use their property as collateral, competitors are not available to lower prices.
金融行业已经饱受次级抵押贷款和信贷危机所害，但在过去两个交易日里，股市已经连续出现强烈反弹。
Financials have been hammered by the subprime mortgage collapse and credit crisis, but sector stocks had rebounded strongly in the past two sessions.
从2007年底开始，由于抵押贷款相关证券和其他复合资产在信贷危机期间下滑，许多这类基金都走下坡路。
Starting in late 2007, many of these funds hit the skids, thanks to mortgage-related securities and other complex holdings that dropped during the credit crunch.
抵押贷款仍旧是信贷市场最糟糕的。
Mortgage lending remains the sickest part of the credit market.
德国的公共财政和私有财政状况相对也健康得多，主要得益于保守的抵押制度，避免了房产和信贷泡沫。
Germany's public - and private-sector finances are also in much healthier shape, mainly because a conservative mortgage system helped it avoid a housing and credit bubble.
由于在信贷危机前过分的夸大了抵押保证债券的优点，评级机构的声誉依然背负着不良影响。
The reputations of the ratings agencies are still stained by their gross overstating of the quality of mortgage-backed bonds before the credit crisis (see article).
业界最后仅存的支柱力量也出现了裂缝，很明显，个人消费者和公司信贷场和住房抵押市场将会迎来更大的亏损。
And cracks have appeared in the industry's last remaining pillars of strength as it becomes clear that big losses are coming in consumer and corporate credit as well as mortgages.
农场的抵押按揭贷款得到重组，农业信贷法向农民提供了低息的运营资金。
Farm mortgages were refinanced and the Farm Credit Act provided operating funds at low interest rates.
然后卖了房子去付清抵押，并还信贷。
Then, sell the house and pay off the mortgage and the credit cards with the proceeds.
抵押公司和信贷想要回欠款。
但是现在信贷危机和庞大的赤字规模使得抵押借款变得更困难了，并且成本也更高了。
But the credit crunch, and the deficit's size, is making this harder and more expensive.
当他们持有着抵押贷款，他们不知承受着信贷危险，而且也承担着税率和原先付款的危险。
When they hold a mortgage, they take on not only credit risk but also interest-rate and prepayment risk.
尽管这样，这个国家的住房抵押银行一直在发行债券，并以信贷危机之前类似的规模发放抵押贷款。
Nevertheless, the country's mortgage Banks are continuing to sell bonds and issue mortgages at a pace similar to that before the credit crisis.
我很高兴我们终于将那些信贷危机和次级抵押贷款危机抛在我们身后了。
I'm just glad we finally have these credit and subprime mortgage loan crises behind us.
从抵押贷款危机之后信贷的短缺到全球变暖带来的威胁，如今世界面临的问题可谓极其复杂，相当严峻。
The world confronts problems of staggering complexity and consequence, from a shortage of credit following the mortgage meltdown, to the threat of global warming.
不过，暂且不论我们怎么走到了这步田地，眼下在住房、抵押贷款和信贷市场的问题已给整个经济领域带来了侵袭，这种显而易见的危险是无法被忽视的。
But, regardless of how we got here, the clear and present danger that the virus in the housing, mortgage and credit markets is infecting the overall economy is too great to ignore.
许多经济学家认为经济下滑是美国房主丧失房屋赎回权和拖欠银行抵押贷款引发的信贷紧缩所致。
Many economists trace the economic slowdown to a credit crunch sparked by a wave of home foreclosures and mortgage defaults in the United States.
许多经济学家认为经济下滑是美国房主丧失房屋赎回权和拖欠银行抵押贷款引发的信贷紧缩所致。
Many economists trace the economic slowdown to a credit crunch sparked by a wave of home foreclosures and mortgage defaults in the United States.
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