Under the plan,up to five million owners could refinance their loans through the two mortgage companies now controlled by the government.

VOA: special.2009.02.20

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

耶鲁公开课 - 金融市场课程节选

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

耶鲁公开课 - 金融市场课程节选

Rick Sharga from RealtyTrac says up to one-fourth of all homes that still have a mortgage loan balance are in this situation.

VOA: special.2011.01.24

so ta retail bank sells the mortgage and then the retail banks flips it to Fannie Mae and Freddie Mac which essentially package huge numbers of the mortgages across the countries.

所以商业零售银行发行贷款，they…,然后商业零售银行将贷款转手,卖给房地美和房利美,事实上是收集了,大量的,全国的房贷。

斯坦福公开课 - 经济学课程节选

In America,the traditional way to finance a home purchase is with a thirty-year, fixed-rate mortgage loan.

VOA: special.2011.01.24

Then if you fail to pay on the mortgage--pay off the debt -the lender can seize the property and sell it.

然而如果你无法偿还贷款,贷方可以没收这项财产并出售

耶鲁公开课 - 金融市场课程节选

It also puts pressure on homeowners who are struggling to pay their mortgage loans.

VOA: special.2009.12.18

You go to a bank and say, I want to borrow to refinance my mortgage, which is due now.

你去跟银行讲,由于现在的处境,我想再申请已到期的抵押贷款

耶鲁公开课 - 金融市场课程节选

One way to make capital available for new loans is to sell mortgage-backed securities.

VOA: special.2009.09.04

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

耶鲁公开课 - 金融市场课程节选

The goal is to try to restructure his loan to keep his mortgage payments to within 31 percent of his income.

VOA: standard.2010.02.17

The thirty-year mortgage came in the early 1950s but it seems to have gotten stuck at thirty-year.

0世纪50年代初出现30年期的贷款,这之后期限不再增加

耶鲁公开课 - 金融市场课程节选

The deep global economic slowdown began in August 2007 when defaults in the U.S.home mortgage market caused financial markets to curtail lending.

VOA: standard.2009.03.24

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

耶鲁公开课 - 金融市场课程节选

George Gordon waits patiently for a chance to meet face to face with his mortgage company's attorney.

VOA: standard.2010.02.17

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

耶鲁公开课 - 金融市场课程节选

It was the mass-issuance of mortgages to consumers with poor credit ratings that led to a rash of mortgage defaults and home foreclosures beginning in late 2007.

VOA: standard.2009.10.01

The idea was that they would help advance the mortgage market by buying up mortgages from mortgage originators and therefore allowing them to make more mortgages.

其主旨就是通过,从抵押贷款的原始权益人手中,购买这些债权来促进市场的发展,那些原始权益人就可以去放更多的贷款

耶鲁公开课 - 金融市场课程节选

The central bank also announced that it would purchase up to $750 billion of additional mortgage-backed securities, which lost value with the collapse of the U.S.housing market.

VOA: standard.2009.03.18

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

耶鲁公开课 - 金融市场课程节选

Economist Rebecca Blank with the Brookings Institution here in Washington was optimistic that positive results will come from efforts to prevent more job losses and mortgage defaults.

VOA: standard.2009.03.10

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

耶鲁公开课 - 金融市场课程节选

And that is again why it is so important that we just keep moving,". Secretary Geithner pointed to mortgage interest rates being at their lowest in history as a positive development.

VOA: standard.2009.04.05

It tells how--there's a conforming loan limit that is a limit on how much Fannie and Freddie -how big a mortgage they can make to one homeowner.

两者都有一个贷款限额标准,也就是限定房利美和房地美,面向单个购房者的抵押贷款额度

耶鲁公开课 - 金融市场课程节选

But the firms most often blamed for precipitating the crisis were colossal investment houses, mortgage institutions, and insurance corporations, many of which required multi-billion-dollar bailouts or government takeovers to stay afloat.

VOA: standard.2009.10.01

Saving and Loan Associations, by the way, no longer exclusively limit themselves to mortgage lending -either they do home improvement lending and auto loans and the like as well.

顺便提一下,储贷协会,现在也不仅限于发放抵押贷款,他们也发放住房装修贷款,及汽车消费贷款之类的

耶鲁公开课 - 金融市场课程节选

"If we are able to work something out with the borrower, were they get to keep their house, and my client gets to have payments according to the mortgage, that's a win for everybody."

VOA: standard.2010.02.17

in such a way that after the rates were raised, they likely couldn't afford to pay the mortgage anymore or they'd be under great stress in trying to do so.

这种“引逗利率，以至于到后来他们没有能力偿还贷款,或者为了还贷给生活造成巨大压力。

耶鲁公开课 - 金融市场课程节选

Subprime refers to mortgages, which is not the subject of today's lecture, but a subprime mortgage is a mortgage issued to a borrower who is not considered prime--not a good risk.

次贷指的是次级抵押贷款,这不属于今天的讨论范围之内,次级抵押贷款是发放给特殊借款人的,他们不是优质客户,也就是说风险较大

耶鲁公开课 - 金融市场课程节选