住房抵押贷款是银行为保证贷款的安全，把借款人的房地产、有价证券及其他凭证，通过一定的契约合同，合法取得对借款人财产的留置权和质押权而向其提供的一种贷款。这种贷款实际上是债务人(抵押人) 在法律上把财产所有权转让给债权人 (抵押权人) 以取得贷款，这期间如果债务人不能按期偿还贷款本金和利息，债权人有权处分抵押物，并可优先受偿的贷款方式。这种贷款方式，可以减少债权人的贷款风险，为债权人收回贷款提供了最有效的保证。在住房信贷中采用抵押贷款是基于银行经营资金的安全性、流动性和盈利性考虑的。由于这项住房贷款的借款人大都是居民个人，而借款人的资金实力和信誉程度银行不可能了解清楚，这样就增大了银行贷款的风险，而抵押贷款恰恰在贷款风险较大的情况下，为债权人提供了收回贷款的有效保证。因此，银行在对居民个人的住房贷款中，大都采用抵押贷款方式。
住房抵押贷款 [zhù fáng dǐ yā dài kuǎn]
网络释义专业释义
美国次级债危机对我国商业银行的影响与启示_千金论文网提供的免费经济学论文 关键词：住房抵押贷款；资产证券化；次级债 [gap=415]key words：mortgage loan；securitization；sub-prime debt
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短语
住房抵押贷款支持证券 RMBS ; MBS ; Mortagae-Backed Security ; residential mortgage-backed securities
住房抵押贷款证券化 MBS ; Mortgage Backed Securities ; mortgage backed securitization ; MBS-Mortgage-Backed Securitization
住房抵押贷款证券 mortgage-backed securities ; Mortgage-Backed Security ; residential Mortgage-Backed Security
住房抵押贷款支持债券 MBS ; Mortgage Backed Securities ; Mortgage-BackedBonds
次级住房抵押贷款 Subprime Mortgage Loans
德国住房抵押贷款银行 Hypo Real Estate Holding AG
次级住房抵押贷款证券 subprime RMBS
优质住房抵押贷款 Prime Mortgage Loans
联邦住房抵押贷款公司 Freddie Mac ; Federal Home Loan Mortgage Corporation ; FHLMC
双语例句原声例句
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最明显的失效是住房抵押贷款市场。
The breakdown has been most apparent in the securitization of home mortgages.
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大部分美国人通过私人银行来获得住房抵押贷款。
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用于商用物业的贷款增长84%，住房抵押贷款增长32%。
Lending on commercial property is up by 84% and home mortgages by 32%.
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Then I want to talk about mortgages, which is the way that we finance both commercial and owner-occupied real estate.
然后再讲一下抵押贷款,它可以为,商业地产和自住房产提供融资
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Subprime" Refers to the mortgages that were made mostly over the last ten years or so to subprime borrowers.
次贷"指的是,大约在最近10年中,提供给次级借款人的,住房抵押贷款
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Saving and Loan Associations, by the way, no longer exclusively limit themselves to mortgage lending -either they do home improvement lending and auto loans and the like as well.
顺便提一下,储贷协会,现在也不仅限于发放抵押贷款,他们也发放住房装修贷款,及汽车消费贷款之类的
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- 来自原声例句