...借贷和可变利率抵押贷款结合在一起愈演愈烈,最后竟然产生了本金免偿抵押贷款,又名仅付利息抵押贷款(interest-only mortgage)。传统的抵押贷款中,每个月的给付一部分用于偿还本金,另一部分用于偿还利息,这样下去才能慢慢还清欠款。
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But in certain countries (including the United States), a reverse mortgage must be the only mortgage on the property.
但在某些国家(包括美国),反向抵押贷款,必须是唯一的财产抵押。
In the year to September bank lending to British households rose by only 0.9%. Mortgage lending fell.
截至今年9月份,英国银行对家庭的贷款仅增加0.9%,按揭贷款不断下降。
House prices are down 20 to 30 per cent, leaving many with houses worth only half the mortgage.
房价下跌了20%至30%,使许多人的房屋价值只有抵押贷款额的一半。
You can see that in the early 1950s mortgage debt was only something like 25% of personal consumption expenditure, but now it's up to about 100%.
抵押贷款在20世纪50年代,只占个人消费支出的25%,现在却占到几乎100%
Whereas, at the beginning, the mortgage balance is dropping only very slowly because you've got a lot of interest to pay and your mortgage payment is constant.
而在贷款初期,贷款余款减少的则非常缓慢,这是因为还款额是固定的,同时你还要偿付大量的利息
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