房屋按揭贷款

浅谈如何防范虚假房屋按揭贷款

Talking about How to Prevent the False Mortgage Loan for House

上周五，SEC执法部负责人库萨米说，该机构将密切关注类似于高盛案的其它房屋按揭贷款交易，它们是SEC工作的重点。

On Friday , SEC enforcement director Robert Khuzami said the agency will look closely at mortgage deals similar to the Goldman one that is the focus of the SEC action .

出人意料的是，调查结果显示居民房屋按揭贷款未受影响。

Surprisingly , the survey found that mortgage lending to households was unscathed .

尤其是当前各商业银行的个人贷款均主要投向房屋按揭贷款，而存贷利差的缩小，加上各商业银行无序的竞争，导致该业务基本无利可图。

Currently the personal loan is mainly put into house mortgage loans . However the decrease of spread and disordered competition leads nearly zero profit from such business .

可是，随着时间的拖延，他们已经无法担负这栋空置房屋的按揭贷款了，而房子的价值此时已接近80万美元。

But as time dragged on , they could no longer afford the mortgage on the empty house , which had been worth close to $ 800,000 .

这反过来会导致更多产业主陷入负资产抵押，背负大大超过其房屋价值的按揭贷款。

That , in turn , leaves more homeowners deeper in negative equity , saddled with mortgages that vastly exceed the value of their homes .