抵押贷款

论住房抵押贷款的现状与实施住房抵押贷款证券化的意义

On the Status Quo of Collateral Loan and the Out-looking of Its Stock Marketing

我国住房抵押贷款逐步兴起，但普遍存在着融资渠道单一或过少的问题，商业银行信贷资金成为了房地产企业筹集开发资金的最主要来源。

The housing collateral loan rises gradually in our country , but under the condition of limited channel to raising money , the capital needed in real estate investment is mostly depended upon the loans of commercial banks , especially on the State-owned banks .

该国2/3的屋主住在抵押贷款买来的房子里。

Two-thirds of householders in this country live in a mortgaged home

需要偿还的抵押贷款总计358,587英镑。

The amount required to redeem the mortgage was £ 358,587

有数千客户拖欠其贷款和抵押贷款还款。

Thousands of its customers are in arrears with loans and mortgage payments

他的主要任务是筹集足够的资金以偿还抵押贷款。

His main task is to raise enough finance to repay secured loans .

我有时觉得背负这笔抵押贷款很有压力。

I sometimes find it a strain to be responsible for the mortgage .

改成用直接借记方式偿还抵押贷款吧。

Switch to paying your mortgage by direct debit .

利率下调让数百万抵押贷款还款人感到高兴。

Lower interest rates pleased millions of mortgage payers .

他要她拿房子来抵押贷款。

He asked her to pledge the house as security for a loan .

国家银行能够合并自己的抵押贷款并以证券形式包销。

National banks can package their own mortgages and underwrite them as securities .

抵押贷款利率最近的回升可能会扼杀房地产的复苏。

The recent rebound in mortgage rates could snuff out the housing recovery .

他们不能按时偿还抵押贷款。

They were unable to meet their mortgage repayments

欧元区内的房屋所有者享有比我们英国更低的抵押贷款利率。

Homeowners in the eurozone enjoy cheaper mortgages than we do here in Britain .

我们已经建立了人们纳税详情、抵押贷款以及人头税的档案。

We already have files on people 's tax details , mortgages and poll tax

他们找到一处房子，谈妥价格，通过住房互助协会办理了抵押贷款。

They find a house , agree a price , and take out a mortgage through their building society .

如果银行已经认为你有信用风险，那么抵押贷款就是你唯一的选择了。

If you are already considered a credit risk by a bank , a secured loan might be your only alternative .

允许更多的机构，尤其是银行推出抵押贷款；此外，银行发放的贷款可以超过其实际持有资金。

Many more institutions , especially banks , were allowed to lend money for mortgages , and what was more , banks could lend out more money than they actually held

房价很容易受与地产本身无关的因素所影响。东南部房价的下跌很大程度上是由于抵押贷款利率的上涨所引起的。

House prices are easily upset by factors which have nothing to do with property as such . The fall in prices in the South-East results largely from the high rate of interest on mortgages

亨利的公司要他提前退休，不过他能够用他们付给他的退休金归还抵押贷款。

Henry 's company asked him to retire early but he was able to pay off his mortgage with the golden handshake they gave him .

虽然华尔街高管利用收费高昂的律师来确保他们的团队不用对2008年金融危机所揭示的不当行为负责,但这些银行滥用我们的法律制度,取消抵押贷款的赎回权,驱逐房客,其中一些房客甚至并不欠钱。

While Wall Street executives used their expensive lawyers to ensure that their ranks were not held accountable for the misdeeds that the crisis in 2008 so graphically revealed , the banks abused our legal system to foreclose on mortgages and eject tenants , some of whom did not even owe money .

他们有贷款、账单、抵押贷款要还清，还要存退休金。

They have loans , bills , a mortgage to pay off , retirement to save for .

他似乎暗示，vertical的目的，是帮助美国银行对冲其抵押贷款风险。

He seemed to suggest that the purpose of vertical was to help bank of America hedge its mortgage risks .

我们还提倡对住房抵押贷款采用因时而变的最大贷款额度与抵押品价值比率（loan-to-valueratio）。

We also advocate a time-varying maximum loan-to-value ratio for residential mortgages .

最大的外汇抵押贷款公司EcuGroup，为伦敦金融城700余名业主管理着价值约8亿英镑的抵押贷款。

Ecu Group , the biggest currency mortgage company , runs about 800m worth of them for more than 700 City homeowners .

在将美国政府相关债券的持有比重削减至零之后，totalreturn持有的资产主要是美国抵押贷款、企业债券、高息及新兴市场债券。

After slashing its government related holdings to zero , the total return funds assets are primarily in US mortgages , corporate bonds , high yield and emerging market debt .

MBS的运作工具有抵押贷款过手证券、担保抵押贷款证券和本息剥离债券，第三章对这三种运作工具的现金流进行了详细的分析。

The third chapter analysis the cash flow of those operating tools in detail .

人们对持续存在的抵押贷款违约和房价下降的担忧，正在打压抵押担保证券（mortgage-backedsecurities）与基于这些证券的衍生产品的价格。

The fear of continued mortgage defaults and house price declines is depressing the prices of mortgage-backed securities and of the derivative products based on them .

贝尔斯登（BearStearns）上月透露，它旗下两只对冲基金蒙受了巨大损失&它们持有与次级抵押贷款相关的CDO证券，，但却难以判断损失的数量。

Bear Stearns last month revealed large losses at two hedge funds that owned subprime-related CDOs - but had trouble quantifying the losses .

摩根大通（JPMorgan）于今年早些时候支付了1.54亿美元，以了结与一宗问题抵押贷款债券交易相关的民事指控。

JP Morgan ( JPM ) paid $ 154 million earlier this year to settle civil charges related to a bad mortgage bond deal .