贷款成本

奥巴马（Obama）政府已经宣布，政府将退出房地产市场。此举有可能推高抵押贷款成本，并为数十年来推动越来越多美国人自置居所的努力画上句号。

The Obama administration has announced a government retreat from the housing market , potentially pushing up the cost of mortgages and ending the decades-old push for ever greater home ownership .

国家为了降低贷款成本，可能会不顾一切去保持AAA信用级别，但是公司却没有必要有这种担心。

COUNTRIES may be desperate to hang on to their AAA ratings to keep their borrowing costs down , but companies do not necessarily share that concern .

根据bcaresearch的统计，低利率降低了贷款成本，将美国企业的利润空间提升了一个百分点（但是最低利率对于现金持有来说也不是一件好事）。

Low interest rates have reduced borrowing costs , adding roughly a percentage point to American profit margins , according to BCA research . ( yet rock-bottom interest rates also make it less attractive to hold cash . )

引领日本企业大举进入点心债券市场的是欧力士（orix）和日立资本（hitachicapital）等融资租赁公司，它们通过购买机械设备并将其租赁给银行贷款成本较高的客户使资金跨境流入中国。

The big push into the dim sum market has been led by leasing companies such as Orix Corporationand Hitachi capital , which have moved funds across the border into China to buy equipment and machinery to lease to customers facing higher costs for bank loans .

QE3部分旨在降低抵押贷款成本，但银行业人士表示，这方面的影响将受到缺乏信贷人员的制约，在没有专职员工处理业务增长的情况下，银行不愿削减抵押贷款利率。

This was partly designed to ease further the cost of mortgages , but bankers say the impact will be limited by a dearth of loan officers with banks reluctant to cut mortgage rates without the staff to process any increase in business .

也就是说，经预期通胀调整后，贷款成本更低了。

That is , adjusting for expected inflation , borrowing costs are now lower .

我们会降低抵押贷款成本，并贷款给小企业好让他们提供就业机会。

We 'll help lower mortgage costs and extend loans to small businesses so they can create jobs .

房利美和房地美原本不会成长到今天的规模–可惜它们想赚取政府担保的贷款成本和商业贷款收入之间的差额；

Except that they wanted to exploit the margin between the government-guaranteed borrowing costs and the commercial lending income .

但无论你如何扭曲计算过程，都很难得出贷款成本廉价的结论。

But no matter how you twist this , it is hard to construct a cheap loan out of this .

且慢，渐进派说话了：20%的比率会导致贷款成本激增，危害经济增长。

Wait , say the gradualists ; a 20 per cent ratio would hike lending costs dramatically , harming growth .

假如贷款成本上升几百个基点，情况会怎样呢？第二个问题在于循环影响。

What happens when a few hundred basis points are added to borrowing costs ? The second problem is circularity .

由于心存谨慎的贷款人提高了向疲弱国家的贷款成本，这些国家在增强自身竞争力时遇到了新的挑战。

With wary lenders imposing higher borrowing costs on weaker countries , these countries face a new challenge to competitiveness .

但银行表示，修改后的监管蓝图将防止融资成本和客户贷款成本过度上升。

But banks say the modified blueprint would prevent an excessive rise in funding costs and in borrowing charges for customers .

用特意创造的货币购买政府债券和企业债券，是希望能够降低各种贷款成本。

Buying government and corporate bonds with money created for the purpose will , it is hoped , reduce all borrowing costs .

他表示，美国政府将命令这两家公司降低收费，以帮助降低抵押贷款成本。

He indicated that the US authorities will direct the companies to cut their fees to help bring down the cost of mortgages .

首先，美国政府希望房利美和房地美债务的风险价差这是抵押贷款成本的重要组成部分如今会大幅缩窄。

First , the government hopes that risk spreads on Fannie and Freddie debt a key input into mortgage costs will now collapse .

贷款成本贷款成本的提高会增加许多企业的痛苦，因为他们必须为贷款支付更多利息。

Credit costs Higher credit costs could add to many businesses ' woes as they would have to pay more on their loans .

尤其要指出的是，通过降低抵押贷款成本、提振市场，这些非常规措施可能会显著增强消费者的信心。

Notably , by lowering mortgage costs , and raising markets , these extraordinary measures have the potential to make consumers feel considerably happier .

冒险让长期利率破坏性上升，从而导致投资和抵押贷款成本变得更加昂贵，这样做是不明智的。

It is not sensible to risk a damaging rise in long-term interest rates that would make investment and the cost of mortgages more expensive .

但是一旦贷款成本开始提高，债务稀少且有大量现金的公司将会收益增加。

But once the cost of borrowing starts rising , companies with little debt and plenty of cash on hand will deserve a premium price .

但在美国经济增长缓慢之际，银行业面临的信贷需求仍然低迷尽管贷款成本之低已属罕见。

But amid slow us economic growth , banks continue to report tepid demand for credit even though it has rarely been cheaper to lend .

由于正规金融部门基于对贷款成本、收益和风险控制等方面的要求，对农村的信贷支持存在诸多障碍。

Based on the requirements of costs , profits and risk control , there are many obstacles for formal finance to support the rural areas .

企业盈利应会受益于贷款成本下降、减税（这是财政措施的一部分）以及石油和其它大宗商品价格下跌。

Corporate earnings should benefit from lower borrowing costs , tax relief ( as part of the fiscal measures ) and cheaper oil and other commodities .

欧洲央行会保持高度警惕&这个词在过去一年中被反复使用，以暗示1个月后贷款成本的上升。

The ECB would exercise strong vigilance – a phrase used repeatedly over the past year to signal a rise in borrowing costs one month in advance .

且目前贷款成本超出大部分企业的负荷，使得目前中小企业贷款也难，不贷款也难。

And the cost of borrowing exceeds the load of most enterprises , which makes that the current SME loan difficult , not the loan is also difficult .

银行人士抗议称，这可能会造成反效果，因为银行融资成本上升会演化成另一种推升贷款成本的动力。

That , bankers protest , could backfire , as higher bank funding costs would feed through as yet another impetus for pushing up the cost of lending .

近几周，在富裕的广东、浙江和江苏省，地方政府都已采取措施提高购房者的抵押贷款成本。

In recent weeks local governments in the wealthy provinces of Guangdong , Zhejiang and Jiangsu have all taken steps to increase the cost of mortgages to homebuyers .

债券收益率的上升，用不了多久就会引起按揭贷款成本的提高，而当前房地产市场仍然极其不景气。

It will not take long for the jump in yields to translate into higher mortgage costs at a time when the housing market remains firmly in the doldrums .

欧洲央行昨日公布的数据显示，西班牙小型企业面临将近四年来最高的银行贷款成本与此同时，德国同类企业所需支付的利率则处于历史最低水平。

ECB data yesterday showed Spanish small businesses face their highest bank borrowing costs in almost four years while interest rates paid by German rivals are at record lows .

央行今年虽先后五次加息，但加息的步伐却赶不上日渐加快的通货膨胀率增幅，因此实际贷款成本不仅没有增加，甚至下降了。

Five increases in interest rates have barely kept up with accelerating inflation , thus the cost of borrowing didn 't rise , or even declined , in real terms .