So, when the mortgage ends, you're just clear and free; you don't have to pay anything--nothing comes at the end.
因此,抵押贷款正好在到期时全部还清,贷款期末你不再偿还任何金额
We are still paying, you know, our monthly mortgage on it.
我们每个月还在还房贷。
What this equation merely says is that the present value of your remaining payments is always equal to the mortgage balance.
这个等式说明了,剩余偿还额的现值,就等于抵押贷款的余额
The other is I take a mortgage, I buy a house, I pay it off, I go into a heavy indebtedness but with a good rational reason and it all works out in the end.
另一种情况是,我分期贷款买了一套房子,我还清了贷款,却债台高筑,这样,于情于理都能说通,而且,最终无事一身轻。
Suppose you are moving after five years, you took out a thirty-year mortgage and you're moving after five years.
假设你已经偿还了五年贷款,你的贷款总期限是30年,你已经还了五年
Part of--this is the--it's not loan-to-value ratio-- this is the ratio of mortgage debt to personal consumption expenditure.
这并非贷款价值比率的问题,一定程度上,是抵押率的问题,即负债对个人消费支出的比率
There have been many changes in our mortgage institutions that might be part of the reason for the boom in home prices.
我们的抵押机构,已经发生了许多变化,这些变化可能是,房价高涨的部分原因
If it's an 80% mortgage, you would be borrowing $160,000, so you'd have a $160,000 here and you know what this is.
如果按揭80%就需要借16万美元,因此这里等于16万美元
Now today, the standard mortgage, which you would probably get when you buy your first house, is not fifteen or twenty--it's thirty years.
今天,标准的抵押贷款,当你买第一套房子时你或许就能得到,期限不是15或者20年,而是30年
When you mortgage a property that means that you offer the property as collateral for a loan.
当你通过抵押贷款购买一项财产意味着,你需要抵押这项财产的所有权以获得贷款
We have to--what we've seen recently-- we had more government intervention back then in the mortgage industry.
我们最近看到了,我们不得不让政府,更多地来干预抵押贷款行业
People on Wall Street found that difficult to say -Federal National Mortgage Corporation- so they nicknamed it Fannie Mae; it sounds like a woman's name.
华尔街的人觉得这名字很拗口,联邦,国民,抵押,贷款,协会,所以给它起了个昵称,房利美,这听起来像个女性名字
Whereas, at the beginning, the mortgage balance is dropping only very slowly because you've got a lot of interest to pay and your mortgage payment is constant.
而在贷款初期,贷款余款减少的则非常缓慢,这是因为还款额是固定的,同时你还要偿付大量的利息
So, that's a funny property of conventional mortgages -that the mortgage balance declines very slowly at first and then it falls rapidly when it comes to maturity.
这是普通贷款很有意思的特性,即贷款余额在起初减少的非常缓慢,但随着到期日的临近,便会加速递减
A peculiar property of this is that the mortgage balance falls slowly at first and then it gradually picks up; it's just a property of this formula.
其中一个特别的性质是,刚开始抵押贷款余额降得很慢,渐渐的,越降越快,这就是这个公式的性质
The maturity of a mortgage is the date when it's paid off.
其中抵押贷款期限是指清偿贷款的日期
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