固定抵押

浮动抵押中抵押财产的结晶，是指为确定浮动抵押标的物的范围，而于法定或约定的事由发生时，将浮动抵押固定化为固定抵押的过程。

The crystallization in floating charge is about the process that floating charge can become fixed charge when some statutory or agreed reasons come . It is to fix the range of secured property .

对动产浮动抵押权的实行，本文采广义的概念，即当法定或约定的事由发生，浮动抵押固定化为固定抵押，抵押权人就固定化后确定的抵押财产优先受偿的行为。

About the concept of the implementation of floating charge , we take a broad concept . That is when some statutory or agreed reasons come , the floating charge will crystallize and become fixed charge . Then the charger has priority for repayment of secured property .

买房子，你能支付起30年的固定抵押贷款。

You 've arrived at the home you can afford based on a 30-year fixed mortgage .

美国固定抵押贷款利率2年来处于最高水平。

Rates for fixed mortgages in the US are at the highest levels in two years .

在企业的价格不断变化的资产上的抵债如在债务上的抵债它与固定抵押相对

Charge over the changing assets ( such as debt or stock ) of a business , as opposed to a fix charge

很多中小企业由于自身资产结构的特点，难以在传统固定抵押融资担保模式中获取资金。

Many small and medium enterprises have difficulty in the traditional fixed mortgage financing mode to obtain funds due to their asset structure .

很多国家都在固定抵押之外规定了一些非典型的担保方式，浮动抵押即为其中一种。

Many countries have provisions in the fixed mortgage of many atypical ways of security , which is one of the floating mortgages .

即使是这样，固定抵押贷款平均利率仍为4%左右，距离历史最低值约0.5个百分点。

Even so the average rate on fix rates on mortgage loans is still about 4 % within half a point near its historic lows .

与其把自己绑在30年固定抵押还贷上，不如想想短点贷款期限是不是更省钱——即使月付更高点。

Instead of strapping yourself to a 30-year fixed mortgage payment , consider how much more affordable less house with a shorter loan term is - despite the higher monthly payment .

考虑买房子的时候，你也许已经算过30年固定抵押贷款所需的金额，但也许比你实际支付的还要多。

If you 've calculated the amount of home you can afford based only a 30-year fixed mortgage scenario , you may be taking on more than you can really afford .

第三章从程序性的角度，阐述了浮动抵押设立及登记，浮动抵押向固定抵押的转化，浮动抵押的实现等方面的问题。

The third chapter stated the set up and registration of floating charge and the transferring process to fixed consortium security from the view of procedure , also the realization of the floating charge .

又因为浮动抵押在登记规则和权利的实现上不同于固定抵押，需要建立统一的登记制度和特殊的实现方式&接管和清算。

Because the floating mortgage is different from a fixed mortgage in the rules of registration and the realization of the rights , we need to establish a united registration system and a special achieving ways-takeover and liquidation .

通过与固定抵押担保方式的比较，归纳出浮动抵押的三个突出特征：浮动抵押的抵押物的浮动性、抵押人可以自由处分抵押物、抵押物固定化是抵押权行使的前提。

By way of security of fixed mortgage comparison , summarized the three prominent features of the floating charge : floating mortgage collateral " floating nature ", people are free to dispose of mortgage collateral , collateral mortgage fixed is the premise of the exercise .

固定利率抵押贷款提前偿还风险估计

Estimating Prepayments Risk on Fixed - rate on Mortgage Loan

考虑违约风险的固定利率抵押贷款支持证券三因素定价模型

A 3-Factor Pricing Model with Default Risk for Fixed Rate Mortgage-Backed Securities

我认为我们需要填固定利率抵押，而不是可调利率抵押。

I think we want a fixed-rate mortgage , not an adjustable-rate mortgage .

固定利率抵押将使贷款人在利率上升的年份处境困难。

Fixed-rate mortgages have posed difficulties to lenders in years of increasing interesting rates .

现在大多数30年期固定利率抵押贷款是由房利美和房贷美支持。

Right now most 30-year fixed rate mortgages are backed by Fannie Mae and Freddie Mac .

对于复杂性，一种可能的反应是要求简单化。比如，只允许发放标准的30年期固定利率抵押贷款。

A potential response to complexity would be to require simplicity – for example , by allowing only the standard 30-year fixed-rate mortgages .

对于自身实力有限、发展依赖中小企业的中小商业银行来说，目前传统的中小企业固定资产抵押贷款模式仍然无法满足中小企业的融资需求。

Currently , for those small and medium commercial banks which have limited strength and depend on SMEs , the traditional mortgage lending model of fixed assets of SMEs could hardly meet their financing needs .

最后，本文提出了收取浮动的违约金率的观点，违约金率可以与市场利率等因素挂钩进行定价，也可以推出固定利率抵押贷款合同以管理提前还贷风险。

Finally , this paper suggests the floating penalty rate , which can be linked with the market interest rate and other factors . Fixed-rate mortgage loan contract can also be launched to manage prepayment risk .

固定利率住房抵押贷款创新研究

New Study on Housing Mortgage Loan with Fixed Interest Rate

固定支付利率抵押贷款定价的一般原理

Principle of pricing the fixed - rate - mortgage

利用期权定价理论，固定支付利率抵押贷款定价问题可以模型为一个自由边界问题或变分不等式方程。

The Fixed-Rate-Mortgage pricing problem can be modified as a free boundary problem or a variational inequality by the option theory .

固定利率住房抵押贷款作为传统金融产品有较长的历史，其结构也并不复杂。

As far as Fixed Rate Mortgage loan ( FRM ) is concerned , as a financial instrument with long history , its structure is not complicate .

由于其糟糕的银行信用等级，福特公司将不得不有史以来第一次将其工厂及其它固定资产作为抵押。

Because of the carmaker 's poor credit-rating it will , for the first time in its history , put up its factories and other assets as collateral .

1945年第二次世界大战结束，并在随后一年出现婴儿潮，这种30年的、固定利率的抵押贷款成了社会基石，社会群体最大化地出现空前多的私房房主。

When World War II ended in1945 and the Baby Boom began the following year , the30-year , fixed-rate mortgage became a cornerstone of society and led to unprecedented levels of homeownership .

但根据欧洲央行的统计数字，1月份，欧元区浮息抵押贷款及头年为固定利率的抵押贷款的平均利率下降了70个基点，至4.39%。

But according to the ECB statistics , the interest rate on floating-rate eurozone mortgages and those with rates initially fixed for up to a year fell by 70 basis points in January to an average of 4.39 per cent .

固定支付利率的抵押贷款定价理论&限于在支付日提前支付或违约

Pricing the Fixed-Rate-Mortgage Contracts - Limitting on Payment-dates to Prepay or Default

例如，如果我们用有资产担保的债券为固定利率的长期抵押贷款筹集固定利率的长期融资，那么它就可能稳定房地产市场。

Covered bonds , for example , could steady housing markets if used to raise long-term fixed rate funding for long-term fixed rate mortgages .