Consumer mortgage credit, however, is up just 4% in the same time, despite a recent refinance boom, which appears now to have peaked. 同期,个人住房抵押贷款仅增长了4%,虽然最近出现了一股再融资热,目前看来可能已经见顶。
More than$ 80bn of this is unprofitable assets that are already in run-off, like crisis-vintage US mortgage and credit products. 其中逾800亿美元是已然在缩减的不盈利资产,比如金融危机时代的美国抵押贷款和信贷产品。
In part because of the reduced availability of mortgage credit, the contraction in housing-related activity seemed likely to intensify. 部分原因是更难获得抵押贷款,收缩在与住房有关的活动,似乎有可能加剧。
Mortgage credit availability is therefore opening up, which also boosts home sales. 因此,抵押信贷开始敞开大门,这也促进了住房销售。
Just last week, Blackstone announced plans to start extending mortgage credit as part of its property business. 最近黑石宣布了相关计划,打算开始发放按揭信贷,以此作为其房地产业务的一部分。
Fewer of Wells Fargo's customers defaulted on loans, and fewer were late in payments on their mortgage and credit cards. 富国银行少数的顾客在贷款中违约,而少数顾客在其贷款及信用卡中拖延还款。
That could cause serious pain exacerbated by tighter mortgage credit and weigh on the broader economy. 这可能造成严重的后果更为严格的抵押贷款标准将加剧这一后果并对更广泛的实体经济产生压力。
Finally, the availability of mortgage credit is starting to improve. 最后,抵押贷款申请条件开始放宽。
After taxes, your next largest expense is usually your mortgage and credit card debt. 缴税后,你的下一笔最大支出该是偿还抵押贷款和信用卡贷款了。
The UK is much less important in the world balance; but for what it is worth UK mortgage credit leapt ahead even faster, to over 80 per cent in 2007-2008. 虽然英国在世界平衡中的重要性远远小于美国,但相对其GDP而言,英国抵押贷款债务的攀升速度甚至比美国更快:在2007年至2008年期间已升至80%以上。
This year, the on-campus recruiting scene in the financial services industry, typically the biggest consumer of newly-minted MBAs, is in a slump at most business schools as investment banks on Wall Street have been battered by mortgage and credit losses, with many resorting to layoffs. 今年,金融服务行业这通常是新毕业MBA的最大主顾在多数商学院的校园招聘状况十分低迷,因为华尔街投资银行遭受了抵押贷款和信贷损失的打击,许多银行进行了裁员。
"You work for the bank. After taxes, your next largest expense is usually your mortgage and credit card debt." Returns the Straight-loan Payment Interest 你为银行工作。缴税后,你的下一笔最大支出该是偿还抵押贷款和信用卡贷款了。计算普通(无担保)贷款的偿还利息
( vi) Lending of all types, including consumer credit, mortgage credit, factoring and financing of commercial transaction; (ⅵ)所有类型的贷款,包括消费信贷、抵押信贷、商业交易的代理和融资;
This surge will be driven by a combination of improving house prices, a lower inventory of homes for sale, rising rates of household formation and population growth, and improving access to mortgage credit. 这种繁荣将受到房价上涨、待售房屋数量减少、家庭和人口不断增多以及抵押贷款条件放宽等因素的推动。
Investment banks on Wall Street have been battered by mortgage and credit losses and, with the US economy teetering on the edge of recession, many have resorted to layoffs. 华尔街的投资银行遭遇抵押贷款和信贷损失的冲击,同时,由于美国经济行将步入衰退,因此,许多投行已经开始裁员。
The first-class market of housing mortgage credit is a creative process, the second-class market aims at selling mortgage and reselling mortgage, it also provides the first& class market with long-term and stable funds. 住房贷款抵押一级市场是抵押贷款活动的创造过程,二级市场是指销售抵押和转售抵押。二级市场可以为一级市场提供稳定长期的资金来源。
Based on the conclusions, the paper provided some suggestions from the angle of costs, to improve the information structure and reduce the mortgage credit risks at present stage of Chinese residential mortgage market. 依据研究结论,本文提出从成本角度改善我国个贷市场借贷双方信息结构,降低个贷市场信用风险的途径与方法。
It also provides the optimal allocation of the investment and the mortgage credit. 从该模型中,不仅能求得实际投资和贷款额,而且可进一步计算出所使用贷款在各种资产投资中的最优配置。
A Model of the Risk Investment with Mortgage Credit 一类利用抵押贷款的风险投资模型
This article analyzes the role of mortgage and credit reporting system in the development of consumer credit. 本文分析了抵押和个人信用制度在消费信贷发展中的作用。
Inventory Management Research Based on Mortgage Credit 基于质押贷款下的库存管理问题的研究
Research on Mortgage Credit Market from the Perspective of the Lender 基于贷款人视角的有抵押信贷市场研究
The quantities analysis model establishes grade identity framework for the credit grades of housing mortgage credit on the basis of gray relevance degree, setting up a more scientific assessing index system consisting of four parts: ① individual ( X1); 定量分析法提出了基于灰色关联度的个人住房抵押贷款中个人信用等级识别结构框架,并建立了合理的评估指标体系,此体系包括4个部分的指标:①个人基本状况(X1);
The insurance of the housing mortgage credit plays an important role on dissolving Bank credit risk and stimulating personal house consumption. 住房抵押贷款保险,对于化解银行信贷风险、刺激个人住房消费发挥着重要作用。
Then the article analyzed the influence factors of the mortgage credit risk, designing the corresponding evaluation index, and gave the specific steps of the evaluation index screening, and then determined the ten indicators which had major influence. 对影响房贷信用风险评估的因素进行了分析,并设计出相应的评估指标,给出评估指标筛选的具体步骤,最终确定影响比较大的十个指标。
According to the survey data, this paper Logit model, farmers choose the right mortgage loan for forest will analyze the demand, the results show farmers to Forest mortgage credit and risk will be significantly influenced preference. 根据调查数据,本文选用Logit模型对林农以林权抵押贷款的需求意愿进行了分析,研究结果显示农户以林权抵押贷款的意愿受到信用程度和风险偏好的显著影响。
Consumer credit is a personal and family used to meet personal needs ( except real estate mortgage) credit, and credit the opposite. 消费信贷是个人和家庭用于满足个人需求(房产抵押贷款例外)的信贷,与企业信贷相反。
Second, it proposes the solution to prevent the personal housing mortgage loan credit risk, liquidity risk, operational risk, "fake mortgage" risk, prepayment risk and collateral risk. 二是针对个人住房抵押贷款的信用风险、流动性风险、操作风险、假按揭风险、提前还款风险及抵押物风险等提出了风险防范措施。
Therefore, through pick up, storage, and other legal way to obtain mortgage credit card, through fraud, robbery, theft and other criminal means to obtain and use another credit card, in line with fraudulent use of credit card. 因此通过捡拾、保管、抵押等合法方式取得他人信用卡并使用的以及通过诈骗、抢夺、盗窃、抢劫等犯罪手段获取他人信用卡并使用的,符合冒用信用卡的诈骗犯罪。
Next, through the comparative analysis of the mortgage credit risk assessment methods, the paper chose the decision tree algorithm to assess the mortgage credit risk, and described the principles and evaluation model of the decision tree algorithm. 紧接着通过对房贷信用风险评估方法的比较分析,选择了决策树算法来对房贷的信用风险进行评估,阐述了决策树算法所依托的原理和评估模型。