再抵押贷款是指当一物业抵押给了一个贷款人之后,抵押人再将这项物业抵押给另一个贷款人,以获取新的贷款。一般说来,对于作了抵押的物业,其它贷款人不会接受它的再抵押。原因很简单,假若抵押人无力偿还款项时,依法出售物业变现后,所获得的款项必须先偿还给第一抵押贷款人.所剩余的部分才会偿还给第二抵押贷款人。所以一般情况下贷款人关系良好.再抵押贷款现象也是有的。
在美国信贷繁荣的时候,房产成了提款机,人们将再抵押贷款发行股票,又刺激了他们消费。
In America houses turned into cash machines during the credit boom as people remortgaged to release equity and boost their spending.
他们说,我再还五年的抵押贷款,就会成为一个更有可能申请到商业贷款的候选人。
They said that after five more years of paying my mortgage, then I will become a more viable candidate for a business loan.
此次危机爆发的关键因素是是房贷,目前,没有再诞生其他的次级抵押贷款。
The key aspect of this crisis has been housing, Dimon said. And he said right now there are not any Alt-A mortgages being created.
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
You go to a bank and say, I want to borrow to refinance my mortgage, which is due now.
你去跟银行讲,由于现在的处境,我想再申请已到期的抵押贷款
We have to do it again because the mortgage institutions have deteriorated somewhat.
我们必须再做一次改革,因为抵押贷款机构已经有所恶化
应用推荐