迄今为止，造成的主要损害集中在次优抵押贷款市场，这种贷款主要借给那些收入太低或者信用记录不良，以至于没有资格获得普通抵押贷款的人。

Most of the damage so far is in the "subprime" mortgage market, which lends to people whose income is too low, or whose credit history too patchy, to qualify for an ordinary mortgage.

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为了使其更具安全性，资产池中有抵押的债券要比普通债券价值大。

For extra safety, the pool contains more collateral than the value of the bond.

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他们也将面对普通夫妇要面临的大多数挑战——不包括支付抵押贷款——加上他们自己的山一样的挑战。

They will face most of the challenges of ordinary couples-paying the mortgage not included-plus some mountainous ones of their own.

youdao

The typical -I'm going to talk about the conventional thirty-year mortgage, which has been a standard in the United States ever since the early 1950s.

典型的抵押贷款,我先介绍普通30年期抵押贷款,从20世纪50年代初起,它就是美国抵押贷款的标准期限

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But if most people who are good borrowers, who know what they're doing, want these, they want a conventional thirty-year mortgage because it will fix a mortgage payment for the rest of the thirty years and you have nothing to worry about.

但是如果大多数人是优质借款人,他们知道自己在做什么,他们会选择普通30年期抵押贷款,因为在剩余的30年时间里,抵押贷款的偿付是固定的,你不需要为它担心

耶鲁公开课 - 金融市场课程节选