| 单词 | mortgage |
| 释义 | mortgage (mɔːʳgɪdʒ ) Word forms: mortgages , mortgaging , mortgaged 1. countable noun [oft NOUN noun] A mortgage is a loan of money which you get from a bank or building society in order to buy a house. ...an increase in mortgage rates. 2. verb If you mortgage your house or land, you use it as a guarantee to a company in order to borrow money from them. They had to mortgage their home to pay the bills. [VERB noun] ...mortgaged homes. [VERB-ed] Collocations: existing mortgage Initially it had planned to allow only its existing mortgage customers to benefit from the higher age threshold. Times, Sunday Times This will clear the existing mortgage at the same time as the sale. Times, Sunday Times They definitely need life cover for at least the value of their existing mortgage. Times, Sunday Times Whatever happens, your existing mortgage contract will continue as normal until it expires. Times, Sunday Times You have already contacted your mortgage lender for a transfer of equity subject to the existing mortgage. Times, Sunday Times Perhaps not the best week then for the society to issue a mortgage making it easier for borrowers with small deposits to enter the property market, you might think. Times, Sunday Times It expects these long-run gains because the cost of its borrowing will be less than the interest payments on the new mortgages issued. Times, Sunday Times These rules require lenders to hold more capital when issuing a mortgage, leading to higher costs which will be passed to customers. Times, Sunday Times The number of mortgages issued rose by 5 per cent last month, as banks gained the confidence to issue higher-value loans. Times, Sunday Times Approximately 90% of subprime mortgages issued in 2006 were adjustable-rate mortgages. Retrieved from Wikipedia CC BY-SA 3.0 The broker's average fee over the past year was 0.24% of the mortgage amount. Times, Sunday Times In these circumstances, the guarantor's income must be sufficient to support the full mortgage amount requested, as well as their own mortgage payments. Times, Sunday Times Fees can be big as well, with some charging up to 3.5 per cent of the mortgage amount. Times, Sunday Times But they had to wait six weeks for a meeting at the bank, and were then told the mortgage amount had been cut by 10%. Times, Sunday Times For example, if she buys a 300,000 property, her deposit would be 15 per cent, or 45,000, leaving a mortgage amount of 255,000. Times, Sunday Times Those who buy with small deposits face much higher mortgage costs, if their applications are accepted in the first place. Times, Sunday Times But the retail prices index, which includes mortgage costs, fell to zero in the same month. Times, Sunday Times While the prospect of higher mortgage costs will not be welcomed by households, savers will benefit. Times, Sunday Times The fall to 0.5 per cent means interest rates and mortgage costs should stay low for an even longer period than expected. The Sun You also need to factor in mortgage costs. Times, Sunday Times Homeowners were better at meeting their mortgage obligations, with fewer loans slipping into arrears last year. Times, Sunday Times They had little interest in assisting the merchant and banking community in collecting debts or extending mortgage obligations. The Times Literary Supplement Housing prices fall while the mortgage obligations remain fixed, leading to underwater homeowners unable to consume at sufficient levels to drive economic growth. Retrieved from Wikipedia CC BY-SA 3.0 They borrowed even more money in order to purchase homes whose cost was much greater than their ability to meet their mortgage obligations. Retrieved from Wikipedia CC BY-SA 3.0 House prices are also a potential worry for the group because of its £8 billion lifetime mortgage portfolio. Times,Sunday Times After redemptions, its mortgage portfolio shrank by 9.4 billion to 157 billion. Times, Sunday Times According to the society's cessation accounts, filed after the merger, the average loan to value on the mortgage portfolio was a very conservative 56%. Times, Sunday Times Its four operating units were mortgage portfolio management, mortgage lending, loan servicing and branch operations. Retrieved from Wikipedia CC BY-SA 3.0 In turn, the weakening mortgage portfolios held by the banks weigh down their share prices and limit their ability to raise more money. Times, Sunday Times It has written down more than $2 billion in exposure to mortgage securities. Times, Sunday Times First off, the monoline bond insurers, the backstop for all those toxic mortgage securities, started announcing gargantuan losses. Times, Sunday Times Like most bond insurers, it faces a jump in claims on mortgage securities that it has underwritten as defaults on the underlying home loans leap. Times, Sunday Times Both were brought to the brink of collapse because of the sharp fall in the value of the risky mortgage securities they were holding. Times, Sunday Times The latest scandal concerns a financial instrument comprising sub-prime mortgage securities. Times, Sunday Times He reduced mortgage tax relief from 15% to 10%, which he said would help to limit house price rises. Times, Sunday Times Mortgage tax relief was abolished in 2000, so why are none of the parties standing for election suggesting that buy-to-let tax relief be abolished? Times, Sunday Times Rents could go up in 2017 when cutbacks to investors' mortgage tax perks begin. Times, Sunday Times Mortgage tax relief and the married couple's allowance were both gone by 2000. Times, Sunday Times But then they did away with mortgage tax relief which should have lowered affordability to just three times annual salary. Times, Sunday Times In order to obtain the mortgage the defendant made false statements about his employment record and his earnings. Times, Sunday Times Some say that they prefer the flexibility of renting, but for many the reasons are financial, such as struggling to obtain a mortgage. Times, Sunday Times The minimum deposit required from homebuyers to obtain a mortgage recently dropped from 30 per cent to 20 per cent to further boost property demand. Times, Sunday Times The problem comes if you want to obtain a mortgage now on an income of only 17,000. Times, Sunday Times If they are able to obtain a mortgage, one third of this group think that they will be repaying this debt beyond retirement age. Times, Sunday Times It expects that about 180,000 homeowners will have arrears worth 2.5 per cent or more of their outstanding mortgage balance, up from 175,000 last year. Times, Sunday Times This would allow their offspring to repay 10% of their outstanding mortgage debt - the amount you can generally overpay without incurring penalties. Times, Sunday Times Alternatively, they can sell the home themselves to repay their outstanding mortgage debt. Times, Sunday Times They own their own home, worth about 270,000, with an outstanding mortgage of 70,000. Times, Sunday Times Many people insure themselves for the value of their outstanding mortgage. Times, Sunday Times But as long as we continue to pay the mortgage on time, what will happen if we don't? Times, Sunday Times Her private pension amounts to 8 a week and without the state pension they relied on soon, they will struggle to pay their mortgage. Times, Sunday Times He spent the money to pay a mortgage, the judge's report on the case said. The Sun I'd forgotten about all the rejection and about the time the bank wouldn't pay the mortgage. Times, Sunday Times They are committing themselves to pay a mortgage. Times, Sunday Times Maise attempted to negotiate an agreeable sale price, and when that failed attempted to purchase the mortgage from underneath the owners. Retrieved from Wikipedia CC BY-SA 3.0 We were devastated when our mortgage broker explained that lenders are not proceeding with purchase mortgages. The Sun Now only homeowners who purchased a mortgage within the previous 30 days are eligible for cover. Times, Sunday Times Those funds are in turn used to purchase mortgages from originating banks. Retrieved from Wikipedia CC BY-SA 3.0 The mortgage servicer may be the entity that originated the mortgage, or it may have purchased the mortgage servicing rights from the original mortgage lender. Retrieved from Wikipedia CC BY-SA 3.0 This means that every cash-strapped homeowner would be able to refinance his mortgage and cut his payments in half, saving thousands of homes from foreclosure. Retrieved from Wikipedia CC BY-SA 3.0 Many homeowners who were struggling with their loans were using equity from their rising house price to refinance their mortgages. Times, Sunday Times Separately, up to five million people will be able to refinance their mortgages even if they have little or no equity. Times, Sunday Times However, many homeowners who refinanced their mortgage when a fixed-rate period came to an end borrowed an even larger sum based on the increase in the value of their property. Times,Sunday Times By refinancing their mortgages, homeowners could shift non-deductable debt away from credit cards and lines of credit into their house, he said. Globe and Mail Nearly 35,000 of the 62,700 mortgage endowment customers with policies maturing this year are finding their payouts are not enough to repay the mortgage. Times, Sunday Times However, they admit that if they were forced to repay the mortgage in a hurry they would have to sell and downsize. Times, Sunday Times The quicker you repay your mortgage, the less your debt will cost you in the long term. Times, Sunday Times They should then use the remaining 58,000 to repay their mortgage, reducing it to 92,000 and freeing up about 300 a month income. Times, Sunday Times But if you have a modest-sized home, how will you realise enough capital to repay the mortgage? Times, Sunday Times Don't assume, however, that this means that if you are struggling to get a residential mortgage you can go for a buy-to-let deal instead. Times, Sunday Times Lenders impose higher rates and charges when borrowers let their homes but keep their residential mortgage, rather than transferring to a more expensive buy-to-let deal. Times, Sunday Times As a first-time buyer, a buy-to-let mortgage would be assessed against her income and affordability in the same way that a residential mortgage would be. Times, Sunday Times He will examine in detail the securitisation market, its growth and importance to the residential mortgage market prior to the onset of the credit crunch. Times, Sunday Times The lender promised to grab more residential mortgage business but only if it was higher-margin. Times, Sunday Times The committee has also demanded extra powers to curb risky mortgage lending. Times, Sunday Times Both were brought to the brink of collapse because of the sharp fall in the value of the risky mortgage securities they were holding. Times, Sunday Times Bank accounting rules, they claim, would penalise the loans offered as if they were a risky mortgage worth 95% of the value of the property. Times, Sunday Times The committee seems happy with the idea of applying tools that will have the indirect effect of restricting risky mortgages. Times, Sunday Times Thousands of borrowers are today still trapped in homes they bought with risky mortgages taken out before the financial crisis. Times,Sunday Times If you are going to play the waiting game, however, it makes sense to secure your mortgage deal because the best rates are disappearing fast. Times, Sunday Times Now borrowers who do not have a deposit of more than 5 per cent will struggle to secure a mortgage. Times, Sunday Times Pretending that the problem doesn't exist when trying to secure a mortgage won't work, because it will no doubt be revealed in the lender's survey. Times, Sunday Times She was able to secure a mortgage with a 25 per cent deposit, which helped her to find a deal with a decent rate. Times, Sunday Times Their new house cost 160,000, but the couple could only secure a mortgage of about 100,000. Times, Sunday Times The parties anticipated that the property would be let out and the income used to service the mortgage. Times, Sunday Times Usually, a borrower intends to service the mortgage debt from his or her regular income. Times, Sunday Times The government doesn't want a whole raft of repossessions going back on to banks' balance sheets - as long as people can service their mortgage debt. Times, Sunday Times These borrowers can more than afford to service a mortgage, but they will have to pay a higher rate because they have slightly complex circumstances. Times, Sunday Times Thanks to low interest rates, the average cost of servicing a mortgage has tumbled by 3.2 per cent. Times, Sunday Times First off, the monoline bond insurers, the backstop for all those toxic mortgage securities, started announcing gargantuan losses. Times, Sunday Times That dynamic worked out poorly before the financial crisis as rating agencies happily gave their approval to toxic mortgage assets in exchange for very large fees. Times, Sunday Times The dip comes after years of big settlements for the bank, which has paid more than $70 billion to close lawsuits over its involvement in selling toxic mortgage securities to investors. Times, Sunday Times Is it wrong to sell toxic mortgage bonds? Times, Sunday Times They are concerned that its exposure to toxic mortgages and related lawsuits may require it to raise perhaps $50 billion from new ordinary shares. Times, Sunday Times Translations: Chinese: 购房按揭, 抵押 Japanese: 抵当, 抵当に入れる |
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