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mortgages
US
・UK
B1 中級
v.t.及物動詞抵押
Someone who mortgages will need the services of a bank to do so
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花旗銀行在世界各地關閉分行的原因 (Why Citibank Branches Are Closing Around The World)
- And to that very basic model, you could add fees for margin loans or jumbo mortgages and things like that.
在這個基礎上，還可以加上保證金貸款、大額按揭貸款等費用。
- Leading up to the financial crisis, Citigroup was fairly aggressive in loading up on subprime mortgages and other risky assets that soon became toxic.
在金融危機前，花旗銀行相當積極地投資次級貸款和其他風險資產，這些資產很快變成嚴重風險。
為什麼美國的養老院和臨終關懷如此昂貴？ (Why Nursing Homes And Hospice Are So Expensive In The U.S.)
- In the time it takes you to watch this video, you can start preparing your finances by organizing important documents, including bank account information, mortgages or deeds, insurance policies, plus any retirement or Social Security benefits. Even something as simple as keeping a list of all online banking and social media passwords.
在觀看這段視頻的時間內，您就可以開始整理重要文件，包括銀行賬戶資訊、抵押貸款或契約、保險單以及任何退休或社會保障福利，為您的財務做好準備。甚至可以像保存一份所有網上銀行和社交媒體密碼的清單一樣簡單。
高通膨時代，升息是毒藥或解藥？短片讀懂升息VS.通膨 How a Fed Interest Rate Increase Could Affect You | WSJ
- WSJ personal finance reporter J.J. McCorvey breaks down how the rate hike could affect mortgages, loans, credit cards and your retirement planning.
《華爾街日報》的個人理財記者J.J. McCorvey 解釋了利率上升對房貸、車貸、助學貸款、信用卡款項、養老規劃等有何影響。
- [Narrator] While fixed rate mortgages have a set interest rate for the life of the loan,
（旁白）固定利率貸款的利率一輩子都是確定的，
我分析了房地產市場，它遠比你想象的糟糕 (I Analysed The Housing Market, Its Far Worse Than You Expect)
- So if a financial institution such as a bank will create a mortgage-backed security, which means that they will take a lot of mortgages, compile them into one giant security and sell them to investors, and in order to ensure investors that these are very great mortgages, the government is going to guarantee them that if anything is going to happen, the government will pay back the investors.
是以，如果一家金融機構，如銀行，將創建一個抵押貸款支持證券，這意味著他們將採取大量的抵押貸款，彙編成一個巨大的證券，並出售給投資者，為了確保投資者，這些都是非常好的抵押貸款，政府將保證他們，如果發生任何事情，政府將償還投資者。
- Because you can take all of these mortgages and sell it to other investors.
因為你可以把所有這些抵押貸款賣給其他投資者。
為什麼現在擁有汽車變得如此昂貴？！ (Why Car Ownership Is Getting So Expensive | CNBC Marathon)
- What we're seeing is another manifestation of what we saw during the subprime crisis, which is that lower income people lost their homes and lower income people are having difficulty getting cars, getting mortgages, and they're also at higher risk of default.
我們看到的是我們在次貸危機中看到的另一種表現形式，即低收入者失去了他們的家園，低收入者難以獲得汽車和抵押貸款，他們的違約風險也更高。
美國汽車如何變得如此糟糕 (How American Cars Got So Bad)
- The Great Recession loomed, and the economy started its precipitous fall triggered by defaults on subprime mortgages.
大衰退迫在眉睫，次貸違約引發經濟開始斷崖式下跌。
- In fact, some 24% of automobile sales in 2006 were financed by home equity lines of credit, and once people started failing their mortgages, they also missed car payments just as others pulled back spending in general in fear of the recession.
事實上，2006 年約有 24% 的汽車銷售是通過房屋淨值信貸額度融資的，而一旦人們開始拖欠抵押貸款，他們也會拖欠汽車還款，正如其他人因擔心經濟衰退而普遍縮減開支一樣。
住房市場出現嚴重問題 (Something is going deeply wrong in Housing Market)
- But even if you convinced or managed to do that, then you have to understand that 30-year mortgages are extremely risky.
但即使你說服或設法做到了這一點，你也必須明白，30 年期抵押貸款風險極大。
- This is what drove interest rates on the mortgages down and down.
這就是抵押貸款利率一降再降的原因。
日本為何準備擊垮美國經濟 (Why Japan is Preparing To Crash the US economy)
- When the rate on the mortgage-backed securities are going to rise, then the mortgage rates on 30-year mortgages are also going to rise because the banks will have to offer a higher mortgage rate so that they can sell these mortgage-backed securities to corporations who bundle them together and then sell them to investors.
當抵押貸款支持證券的利率上升時，30 年期抵押貸款的利率也會上升，因為銀行必須提供更高的抵押貸款利率，這樣才能將這些抵押貸款支持證券出售給公司，而這些公司會將它們捆綁在一起，然後出售給投資者。
