Some analysts contend that extinguishing the mortgage debt of households bolstered the United States recovery. But lenders are not always willing to give big breaks to borrowers. 一些分析人士称,免除家庭住房抵押贷款给美国的复苏提供了支持。但放款人不见得愿意放借款人一马。
Mortgage debt doesn't correlate much with happiness. 抵押负债与幸福的关联并不高。
And even in relation to that mortgage debt, the problems remain challenging. 甚至抵押贷款债务问题也仍然具有挑战性。
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。
The problem for banks owning mortgage debt is that the two greatest causes of foreclosure negative equity and unemployment are both set to rise further. 对于拥有抵押债务的银行来说,问题在于造成丧失抵押品赎回权的两个最大因素负资产和失业都必定会继续上升。
The banks and insurance companies that came close to failure believed so implicitly in the safety of super-senior mortgage debt that they were willing to stuff their balance sheets with it. 那些濒临破产的银行和保险公司,完全相信超高级抵押贷款债务的安全性,以至于愿意把这些债券放进自己的资产负债表中。
Debt and equity sales are a boon to investment banks and dealers as they generate fees, helping offset the losses that resulted from disastrous investments in risky mortgage debt during the boom years. 债券和股票发行对于投行和经销商而言是件好事,因为这些业务可以带来费用收入,有助于抵消了繁荣时期对高风险抵押债务的灾难性投资所造成的亏损。
For now, the only thing politicians can do is to ensure in so far as they can that just the bankers lose their shirts: that depositors and small businesses do not join the millions of homeowners already mired in mortgage debt as innocent victims. 目前,政客唯一能做的就是尽可能地确保只有银行家们大受损失:储户和小企业不要加入已经陷入抵押贷款泥潭的数百万房主的行列,成为无辜的受害者。
But even if the problems remain limited to subprime mortgage debt-and that is a big "if"-it will take several more months for losses to work through the system. 但即使问题仍然局限于次级抵押贷款债务领域(这是个可能性非常小的假设),全球金融系统仍再需要数月时间来消化损失。
In this vein, a recent proposal to facilitate mortgage debt renegotiation could help reduce the household debt overhang and avoid value-destroying foreclosures without government subsidies. 按照这种思路,最近关于推动抵押贷款债务再谈判的建议,可能有助于缓解家庭债务危机,并避免在没有政府补贴的情况下出现破坏价值的止赎行为。
One priority is to encourage more write-downs of mortgage debt. 一项优先任务是鼓励更多的冲减抵押债务。
The mortgage debt in 1976 on all private homes was around$ 684,000 million. 一九七六年,所有私人住房的抵押借款约为六千八百四十亿美元。
This combined loss has been critically important in the disabling of global finance because equity capital serves as the fundamental support for all corporate and mortgage debt and their derivatives. 上述总亏损对于全球金融体系的瘫痪至关重要,因为股本为所有企业和按揭债务及其衍生品提供根本支持。
Initially devised as a type of insurance on defaults, the CDS market is widely blamed for amplifying the credit crisis as it became a means for institutions like AIG to place vast bets on corporate credit and mortgage debt. cds最初被设计为一种针对违约的保险工具,后来成为美国国际集团(aig)等机构在企业信贷和房贷债务上大举押注的工具,因而被广泛指责放大了信贷危机。
The Fed also said it stood ready to increase its plans for hefty purchases of mortgage debt. 美联储还表示,随时准备扩大其大量买入抵押贷款债务的计划。
His judgment on the mortgage debt was clear: he could not see a way to track the potential correlation of defaults with any confidence. 后者对抵押债务的判断非常清晰:他没有信心找到任何追踪潜在违约相关性的方法。
Since this is an average number, and some households have little or no mortgage debt, this suggests that the proportion with negative equity likely increased significantly as well. 考虑到这是一个平均数字,而一些家庭的抵押贷款债务很少或没有,这意味着(房屋)资产净值为负的比例可能也出现了大幅上升。
The highly leveraged funds had invested in supposedly very safe, highly rated complex debt products that in turn had exposure to bonds backed by subprime mortgage debt. 负债比例很高的这两只基金投资于被认为非常安全、评级较高的复合债券产品,而这些产品投资于以次级抵押贷款支持的债券。
Although the moves helped stabilise credit markets for several months, worries about mortgage debt and the health of financial institutions have flared up again. 虽然当时的这些举措帮助信贷市场稳定了数月,但现在对抵押贷款以及金融机构健康情况的忧虑又再次显现。
Once mortgage debt buying slows next year, US long-term yields may rise too. 一旦明年抵押贷款债务的购买速度放缓,美国长期国债收益率可能也会上升。
The two French economists describe in great detail how money from European and Asian exporters ended up in US consumer or mortgage debt and how risk was transformed in the process. 这两位法国经济学家极为详细地描述了,来自欧洲和亚洲出口商的资金如何最终落入美国消费者之手或投向抵押贷款债务,以及风险在这一过程中是如何转换的。
The state in the US, UK and Japan, where excess corporate saving goes back much further, has had to accommodate these surpluses by running large fiscal deficits when households have been reducing excessive mortgage debt. 在公司储蓄过高现象历史更悠久的美国、英国和日本,当家庭在减轻过高的按揭贷款负担之时,政府只能背负起高额的财政赤字,以弥补公司的储蓄盈余。
The trend reflects the depressed housing market, the difficulty of obtaining mortgages and the attraction of paying off mortgage debt while interest rates are at historic lows. 该趋势反映了房地产市场的低迷,在利率位于历史低位的情况下难以获取抵押贷款,付清抵押债务的吸引力加大。
Other investors were happy to buy that commercial paper because it was "asset-backed", in the form of the mortgage debt. 而其他投资主体很乐意购买商业票据,因为其拥有抵押债务形式的资产担保。
Rising unemployment threatens to deepen the housing slump, further depress mortgage debt and increase delinquencies on car loans, credit cards and other consumer loans. 失业率不断上升可能会加剧住宅市场的低迷,使抵押贷款债务受到进一步打击,并导致汽车贷款、信用卡和其它消费贷款的违约拖欠数量上升。
Capital expenditure in the corporate sector is falling while household savings rise fast in the face of economic uncertainty and as people remove money from low-interest money market funds to pay down higher-interest mortgage debt. 公司部门的资本支出正在下降,同时面对经济上的不确定性,随着人们将资金从低利息的货币市场基金抽出,以支付利息更高的抵押贷款债务,家庭储蓄正迅速增加。
Market prices told us little about the true value of subprime mortgage debt or Greek sovereign debt until it was too late. 市场价格未能告诉我们次级抵押债务或希腊主权债务的真实价值直到一切已太晚。