Thousands of old buildings in Hong Kong could be entitled to 95 per cent mortgages .

香港数以千计的旧楼都可以做九成五按揭。

属类：行业术语-香港房地产术语-

Average mutual fund buyers are too busy working to pay taxes and mortgages , save for their children’s college and pay off credit cards. They do not have time to study to learn how to invest, so they rely on the expertise of the manager of a mutual fund.

一般的基金购买人因为忙着去支付税款和贷款、储蓄孩子上大学的费用、偿还信用卡等，根本无暇去研究如何投资，所以他们依赖于共同基金的管理专家来帮助他们投资。

属类：社会文化-热点文章-富爸爸穷爸爸

The priority accorded to a mortgage pursuant to subsection (1) shall, unless the holders of all registered mortgages having priority subsequent to such mortgage otherwise agree in writing,

依照第(2)款给予某宗抵押的优先权，只限适用于该抵押文书或该文书所指的文件中所明言须获保证的义务

属类：法学专业-香港法规-商船注册条例

Banks and other creditors enjoy higher priority in impounding mortgages or other securities from insolvent debtors.

已作为银行贷款等债权的抵押物或者其他担保物的财产，银行和其他债权人享有就该抵押物或者其他担保物优先受偿的权利。

属类：法学专业-中国法律-民事诉讼法

Mortgages may be mobilize d and invade the bond market.

有可能动用抵押单据来干扰票据市场.

属类：英汉句库--

Buyers of older flats will be offered mortgages of up to 70 per cent of the property value at a concessionary interest rate for terms as long as 25 years.

置业人士购买楼龄较旧的楼宇，将可以做七成按揭，并且获得优惠利率及二十五年的还款期。

属类：行业术语-香港房地产术语-

The Legal Analysis of State-Owned Urban Land Use Right Leased and Used for Mortgages in Mainland China

中国大陆国有城镇土地使用权出租与抵押之法律分析

属类：行业术语-中文论文标题-

1:Mr Zingales makes three proposals.2:Protected sectors, notably education and health care, should be opened up to competition.3:Tax policy should be changed in two ways.4:First, it should be used to make subsidies and their costs more transparent.[...]115:The deduction on mortgages , for example, should be termed a tax on renting; the lavish benefits provided for ethanol production should be regarded as a tax on petrol.6:Secondly it should be used as a substitute for complicated regulation and applied against areas that cost society, such as pollution and (because it creates instability) the use of short-term debt by banks.

1:Meltzer提出三个解决方案。2:受国家保护的部门，特别是教育和医疗，应该对外开放，接受竞争。3:税收政策应该在两方面做出改变。4:首先，应该利用税收政策来让津贴和津贴来源变得更透明。[...]115:比如，按揭贷款扣除应该叫做租赁税；乙醇生产带来的丰厚利润应该被冠以汽油税。6:其次，税收政策该被用来代替复杂的规章，并且用在对让社会承受巨大代价的领域，比如环境污染和银行短期债务的使用（因为它会造成社会不稳）。

属类：时事政治-经济学人双语版-只为重建信心 For those who have l

[...]111:Not many authors could successfully mix lentils, bra-burning and free love with city traders, quantitative analysts and the mathematical calculations that supposedly make naked short selling, CDOs and subprime mortgages infallible.2:But Marina Lewycka is an exception.3:The bestselling author of a 2005 hit, “A Short History of Tractors in Ukrainian”, has set her fourth book in London and Doncaster and uses farce, irony and biting wit to explore serious issues.

[...]111:扁豆，激烈到烧掉胸罩的妇女维权运动，自由恋爱，城市贸易商，为裸卖空进行的数量分析和数学计算，债务抵押债券，次级房贷……能把这些成功地混合在一起而不犯错误，这样的作家不多，玛丽娜·柳薇卡就是其中之一。2:作为一名畅销书作家，她2005年的《乌克兰拖拉机短史》曾经热卖一时。3:《活着以及死去的各种宠物》是她的第四本书，书中地点设在伦敦和唐卡斯特，用闹剧、讽刺以及辛辣的智慧来探索严肃的议题。

属类：时事政治-经济学人双语版-嬉皮父母与其儿女

1: Yet despite this good news, housing finance is frail as ever. 2: Lending rose in the fourth quarter of 2011, but stuck at the lowest level since 2000 for the year as a whole. 3: The market is still working off sickly loans. 4: New delinquencies are down sharply from 2008, yet more than $150 billion in home loans became delinquent in the fourth quarter of last year. 5: More trouble lies ahead. 6: Over 10m borrowers owe more than the value of their home. [...]117: Banks are wary of new mortgages —and losses—while prices are falling. 8: The Federal Reserve’s Senior Loan Officer Survey suggests that lending standards remain higher than at the height of the recession.

1:不过，撇开这个好消息，住房信贷依旧虚弱如前。2:虽说房屋贷款在2011年第四季度上涨，但以全年整体水平来看，却是自2000年以来的最低水平。3:市场仍然在努力摆脱不良贷款。4:自2008年以来，新的拖欠债务急剧减少，但去年第四季度仍然有超过1500亿美元家庭贷款逾期。5:更多的麻烦还在前面等着呢。6:超过1千万名贷款买房者欠下银行的债比他们的房子的资产还要多。[...]117:在房价走低的时候，银行对新按揭——和损失处理得小心翼翼。8:美联储高级信贷人员调查显示，借贷标准比大萧条时期达到的高点还要高。

属类：时事政治-经济学人双语版-房屋市场春寒料峭

1:More broadly, Mr Zingales wants a closer, explicit, tie between capitalism and morality.[...]112:He wants to extend the public shaming of corporate crooks to people who take actions that are legal, but damaging to society, such as borrowers who walk away from mortgages merely because their value exceeds the value of the underlying property.3:Business schools, Mr Zingales says, are ideally positioned to point out when an action that provides a benefit for an individual comes at a cost to society, but in reality they rarely bother.4:This, he believes, is part of the same malaise that has befallen the political debate on capitalism, which has been taken over by special interests and people who have no faith in a real market-based system.5:For all America’s success, he warns, Washington is on a trajectory that leads to Rome.

1:更广泛地说，Zingales期盼的是拉近并明确资本主义和道德之间的关系。[...]112:他想要扩大舆论压力，要大家不仅耻于骗子企业，还要耻于行为合法但却危害社会的人，比如一些借款人，仅因为自身价值超越了作为基础产业的房地产的价值而逃避按揭付款。3:Zingales还指出，当个人以社会为代价获得利益时，商学院理念上要指出这样的行径，但在现实中，它们却对此不闻不问。4:Zingales相信，这和政治上对资本主义的争论都是一种病态，资本主义已不再是争论热点，取而代之的是对特别利益团体和那些根本就不相信真正市场导向体制的人的热议。5:尽管美国是成功的，但Zingales警告到，华盛顿正在重蹈罗马的覆辙。

属类：时事政治-经济学人双语版-只为重建信心 For those who have l

[...]111: Washington remains behind the curve. Fearing for its finances, the Federal Housing Administration is increasing fees on mortgages it insures, which account for roughly a third of all new bank loans. 2: A typical borrower’s loan costs may rise by just $5 a month, yet American Banker, a financial-services daily, suggests the rise could cut lending by billions of dollars. 3: The Federal Housing Finance Agency is moving only slowly to pack foreclosed-on homes into bunches to be sold to investors for renting out. 4: Thanks to those renters, the worst may be over. But it will be years before the mortgage market fully recovers.

[...]111:美国政府还没有跟上形势。因为担心现在的财政状况，联邦住房管理局抬高了担保按揭贷款的费用，大约占新的银行贷款的三分之一。2:一个典型的贷款者每月需要还的房贷可能会上涨5美元，不过，金融类日报《美国银行家》称，还贷量增加可缩减数十亿美元的借贷。3:联邦住房金融署磨磨蹭蹭地把止赎房屋收回并卖给投资商，让他们转租出去。4:多亏那些租房者，最困难的坎儿似乎度过去了，但是想让按揭市场完全好转过来还需要很长时间。

属类：时事政治-经济学人双语版-房屋市场春寒料峭

Since 2004 the number of federally insured reverse mortgages has more than tripled, to 114, 692 last year.

2004年以来，联邦保险的反抵押住房贷款笔数已经增加了2倍多，去年达到了114,692笔之多。它们最大的缺点是：交易费用极高。

属类：英汉句库-article.yeeyan.org-

Mr Oster says homeowners with mortgages should assume interest rates will be about 100 basis points higher by this time next year.

Oster先生表示，还在背房贷户主应在假设利率在明年此时将会增长100个基础点左右。

属类：英汉句库-article.yeeyan.org-

Mortgages and retirement accounts weren’t even on my radar.

按揭贷款和退休养老计划这类的账户根本不在我的字典里。

属类：英汉句库-article.yeeyan.org-

Mortgage securities had an element of Ponzi in that new financing was required to sustain people whose mortgages were under water.

按揭抵押证券是庞氏骗局的元素之一，因为要维持按揭贷款在标准线以下的人就要求新的融资。

属类：英汉句库-article.yeeyan.org-

And while some documents, such as death certificates, are required to include Social Security numbers, others, such as mortgages , are not.

并且，虽然一些档案，如死亡证书，必须包含社会安全号码，但其他的，如抵押单据，则没这个必要。

属类：英汉句库-article.yeeyan.org-

The bad mortgages are contributing to forcing many European banks into bankruptcy.

不良抵押贷款正在使很多欧洲银行走向破产。

属类：英汉句库-article.yeeyan.org-

Financial mavens have long had access to comprehensive data on credit markets and subprime mortgages .

长期以来金融专家能够获取有关信贷市场和次级抵押市场的大量数据。

属类：英汉句库-article.yeeyan.org-

subprime mortgages /loans/lending

次级按揭／贷款／放款

属类：综合句库--

Given the number of mortgages that banks had to have misrepresented during our housing bubble, that’s mind-boggling.

从银行在房地产泡沫期间不得不作假的房屋抵押贷款的数字来看，真是难以置信。

属类：英汉句库-article.yeeyan.org-

But subprime mortgages pooled and sold as securities became subject to explosive demand from investors around the world.

但不幸的是，来自全世界投资者的爆发式需求推动它们把次级抵押贷款打成包，当作证券出售给投资者。

属类：英汉句库-article.yeeyan.org-

But the substance of her policy proposals on mortgages , like that of her health care plan, suggests a strong progressive sensibility.

但她关于次贷的政策主旨，如同她的医保方案，显示出强烈的改革性。

属类：英汉句库-article.yeeyan.org-

But there were concerns that additional costs would be passed on to customers, meaning higher interest rates on loans and mortgages .

但是还存在着很多顾虑，额外费用将会转嫁到消费者身上，也就意味着贷款和抵押的利息将会有所提升。

属类：英汉句库-article.yeeyan.org-

A consumer agency to protect the public when they sign up for loans and mortgages .

当客户签署贷款及抵押等协议之后，代理机构要尽力先保护公众的利益。

属类：英汉句库-article.yeeyan.org-

Lawmakers could, of course, decide that there are other ways than buying up mortgages to unclog credit in financial markets.

当然，议员们可以作出另外一种决定，不必以收购抵押贷款的方式疏通金融市场的信贷危机。

属类：英汉句库-article.yeeyan.org-

The most urgent item is the festering mass of underwater mortgages .

当务之急是处理日益恶化的大量高于房产价值的抵押贷款。

属类：英汉句库-article.yeeyan.org-

The interest rates on mortgages will drop, perhaps convincing you to refinance.

抵押贷款的利率同样会下降，这可能会使你考虑去重新贷款。

属类：英汉句库-article.yeeyan.org-

Mortgages were being distributed to investors around the globe, and so were the risks, the regulators reasoned.

抵押贷款正在被分布给全球的投资者，与之相伴的还有相关风险，监管者是这样考虑的。

属类：英汉句库-article.yeeyan.org-

The charges against Goldman relate to non-disclosure of pertinent information concerning a derivatives trade tied to subprime mortgages .

对高盛的指控涉及不提供关于与次级房贷相关联的金融衍生产品交易的相关信息。

属类：英汉句库-article.yeeyan.org-