For most people, mortgages are the largest debt they will ever have.

对于大多数人来说他们会有的最大的债务就是抵押房产。

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Those that cannot service their mortgages will default, causing more trouble for banks and, via lower house prices, other homeowners.

而那些不能支付抵押贷款利息的人将会违约，给银行造成更多的麻烦，并会通过降低的房价波及到其他业主。

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Bear Stearns -- with its immense stockpile of mortgages and related securities -- was particularly vulnerable.

而拥有大量抵押贷款及其相关证券业务的贝尔斯登尤其不堪一击。

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Yiwu, China - Liu Xia Feng does not pretend to understand subprime mortgages or international finance.

发自中国，义乌：对于次级抵押贷款或是国际金融这些学问，刘下峰（音）并没有认真去理解它们。

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Householders whose homes are worth less than their mortgages must save hard to reduce their debts.

房产价值低于其抵押贷款的业主们则必须更辛苦地攒钱以减轻债务。

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Property buyers can still access new mortgages at just 0. 9%.

房地产的买家仍然可以0.9%的利率拿到新的抵押贷款。

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Freddie told investors in 2006 that it held between $2 billion and $6 billion of subprime mortgages on its books.

房地美在2006年告诉投资者们，其账上持有的次级抵押贷款在20至60亿美元之间。

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Fannie Mae and Freddie Mac say the programs could give counties top priority to be repaid if homeowners default on their mortgages .

房利美和房地美表示，如果业主拖欠抵押贷款，该计划会让各县优先偿还贷款。

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Fannie Mae and Freddie Mac own or guarantee some $5 trillion in mortgages , about half the U. S. total.

房利美和房地美持有或者担保了约5万亿的抵押贷款，大约占到全美总和的一半。

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A starting point would be to remove tax subsidies on executive pay and allow courts to restructure mortgages as they do other kinds of debt.

改革首当其冲的是撤去对行政人员薪酬的税收补助，并且允许法庭重组抵押借贷，正如处理其他债务一样。

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According to internal Washington Mutual documents, the fraud rate for mortgages from those two offices was 58% and 83%.

根据华盛顿互惠银行内部文件，这两个分行的按揭欺诈率分别为58%和83%。

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In April, lenders granted 43, 200 mortgages , according to the Bank of England.

根据英格兰银行的统计数据，房贷银行四月份发放了43200份贷款。

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PHF mortgage loans carry lower rates than commercial mortgages .

公积金的贷款利率低于商业贷款利率。

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Congress created Fannie Mae and Freddie Mac to buy mortgages from lenders and package them into bonds that are resold to investors.

国会使房利美和房地美从银行抵押贷款，之后打包成债券重新出售给投资者。

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Home buyers could get mortgages with little or no money down.

国内购房者只需要极少数或者根本不需要首付就能按揭。

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The much-ballyhooed US economy became entirely dependent for growth on easy consumer credit and shaky mortgages .

很大程度上靠大吹大擂鼓动起来的美国经济变得完全依靠简便的消费者贷款和并不稳定的抵押借款的增长。

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Clearly, Fannie and Freddie did not originate sub-prime mortgages directly -- they are not equipped to do so.

很清楚的是，范尼梅和弗雷德马克并没有直接引起次贷抵押---他们并不准备这么做。

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Canada requires any mortgage with a less than 20 percent down payment to be insured, and those mortgages are much less common there.

加拿大规定，任何低于百分之二十的首期贷款都需要获得担保，而这样的抵押贷款在加拿大是很不寻常的。

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The traders bet that the ABX, a family of indexes made up of securities backed by subprime mortgages , would fall.

交易员认定ABX（由次级抵押贷款支撑的证券指数）会下跌。

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Fannie and Freddie own or guarantee about half of U. S. mortgages , or nearly 31 million loans.

两房持有或担保了美国一半的抵押贷款，或者说近3100万桩贷款。

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Another part would specifically help people with dwellings whose market value has sunk below the principal still owed on the mortgages .

另一部分工作将具体帮助那些其住房市场价值已经低于所欠的抵押贷款的人。

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On the other hand, this option would make mortgages more expensive for many Americans.

另一方面，这样一来住房抵押贷款的门槛对很多美国人来说就变高了。

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Together, Fannie and Freddie own or guarantee nearly half of the nation’s $12 trillion worth of home mortgages .

美国的住房抵押贷款共计12万亿美元，房利美与房地美拥有或担保着其中几乎一半的份额。

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The government says that between 1999 and 2009, MortgageIT endorsed more than 39, 000 mortgages for FHA insurance.

美国政府指称从1999年到2009年，MortgageIT公司共签署了超过3.9万份抵押贷款，以获得FHA的担保。

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The dollar has also weakened (buying less), and rates on mortgages have gone up.

美元也已经发生疲软（购买力下降），而且抵押贷款利率已经上升。

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That expanded the demand for riskier securities, including subprime mortgages , and pumped up the real-estate bubble.

那就扩大了风险更高证券的需求，包括次级抵押贷款，也导致了房产泡沫。

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Had more firms done as Goldman and shorted mortgages , fewer unsound loans would have been issued.

如果更多的公司像高盛这样做，减少抵押贷款，不健全贷款的发行就会少很多。

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Like a subprime mortgage, Congress may soon put taxpayers on a risky hook for mortgages gone bad.

如同一笔次级贷款，由于抵押贷款趋坏，国会也许很快把投资人置于危险的陷阱。

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First, regulators would receive more authority to monitor everything from mortgages to complex securities.

首先，监管机构将获得更大权力，监管从抵押贷款到复杂证券的全部交易。

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He will do neither mortgages nor consumer loans, and certainly not corporate loans.

他不做按揭贷款和消费贷款，当然更不做企业贷款。

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