美国联邦政府和抵押贷款业组织于本月11日宣布了一项抵押贷款协议修改计划,旨在简化对房利美和房地美所持违约抵押贷款协议进行重新谈判和修改的程序。该方案将对数以十万计借款者的贷款条件做出修改,以抑制止赎率的飙升。
请看的报道:
More than 4 million American homeowners, or 9 percent of borrowers with a mortgage were either behind on their payments or in foreclosure at the end of June, according to the most recent data from the Mortgage Bankers Association.
抵押贷款银行家协会的最新数据显示,截至今年6月底,已有400多万美国住房所有人推迟了抵押贷款的支付,或面临丧失抵押品赎回权(止赎权),约占持有抵押贷款住房所有人总数的9%。
在上面的报道中,foreclosure 就是指 the legal proceedings initiated by a creditor to repossess the collateral for loan that is in default,“止赎权”,也称“丧失抵押品赎回权”,我们在新闻里有时也会看到考试*大一栋栋小楼前竖立着写着 Foreclosure 的牌子。对房地产来说, foreclosure 指的是这样一个过程:如果房主在一定时间内无法按时付出每月的贷款额,房屋将被贷款公司没收,然后通过拍卖公司或房地产公司上市出售。当然,这样的房子的售价要比市价更低一些。
Foreclosure 是 foreclose 的名词形式,foreclose 做动词表示“取消抵押品赎回权”,如:The building society will be forced to foreclose on this mortgage because regular payments have not been made.(由于没有定期交纳付款,住宅互助协会被迫取消这项抵押的赎取权。)此外,它还可以用来表示“排除,阻止或预先处理”。如:We won’t foreclose the prospect of a better future.(我们不会拿我们的未来开玩笑。)
n. 按揭,抵押贷款
vt. 抵押