firstly the author analyses the existing laws and draw a conclusion that develops the necessity of the "housing reverse mortgage law".

the housing reverse mortgage system is the outcome that the economic society develops to the certain stage. it needs the government supports.

指出房屋反向抵押制度是经济社会发展到一定阶段的产物，其发展离不开政府的支持。

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the character of the underlying indemnity right of a building-project constructor remains uncertain, and also there is no regulation on a possible effect collision between real estate mortgage guarantee and in-building housemortgage;

建筑工程承包人优先受偿权的性质不明，且与在建房屋抵押权的效力冲突未规定；

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to take one example, at the end of 2006, household mortgage debt was 126 per cent of disposable income, against a mere 104 per cent in the us.

例如，2006年底，英国家庭房屋抵押贷款负债相当于可支配收入的126%，而美国仅为104%。

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the government program has two parts. one involves buying groups of loans, like home mortgages. the second involves buying securities or financial investments tied to loans.

这项政府方案包括两个部分，一个是购买房屋抵押之类的团体借贷，一个是购买有价证券或与借贷有关的金融投资。

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this week, my administration announced that we're extending a program to help more responsible families modify their mortgages so they can stay in their homes.

本周政府宣布实施一项计划，帮助更多负责任的家庭调整房屋抵押贷款保留其房产。

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multiple federal agencies oversee the financial system: five for banks alone, and one each for securities, derivatives and the government-sponsored mortgage agencies.

多家联邦政府机构监管金融系统&仅针对银行监管的就有五家，对于证券、衍生品和政府支持的房屋抵押贷款机构各有一家。

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real estate developers, buyers and banks, the three parties of real estate market, all obtained benefits from housing mortgage loan insurance.

房地产市场的三大参与者开发商、购房者、银行，均因房屋抵押贷款保险的出现而得到了益处。

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because its cash flow is the contrary of mortgage, it is called the housing reverse mortgage.

因为其现金流的方向与普通的房屋抵押相反，故被称为反向抵押。

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the majority of the debt is issued in support of farm credit and home mortgages.

发行的债务主要用于农业贷款和房屋抵押。

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subprime crisis is also called subprime mortgage crisis or subprime lending crisis.

次贷危机又称次级房贷危机或次级贷款危机，是次级房屋抵押贷款危机或次级按揭贷款危机的简称。

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because they're no longer underwater on their mortgages.

因为他们不用再为房屋抵押贷款资不抵债忧心忡忡。

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a bank is a creditor when it issues a$ 30000 mortgage.

当银行发放一笔三万美元的房屋抵押贷款时，它是债权人。

provided by jukuu

at present, the banks prefer to land rights.

目前银行基本采取土地使用权作为抵押物。

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the feasible analysis on the land contract of managerial expertise

土地承包经营权抵押可行性分析

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thus, this thesis states mortgage of right of land use from three points of views: firstly, i explain, the categories and nature of right of land use and nature of mortgage of right of land use;

据此，本文从三个方面对土地使用权抵押制度进行了论述：首先，简述土地使用权的种类、性质以及土地使用权抵押权之性质；

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by developing land contractual management rights mortgage would break the restriction which the land in rural areas could not be used as collateral, this revolution would give a new way to solve the problems of funds shortage.

开展农村土地经营权抵押贷款，突破了农村土地不能作为抵押物的瓶颈制约，为在农村经济发展过程中资金不足问题的解决提供了有效途径。

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secondly, i mainly discuss some theoretical issues of mortgage system of right of land use including the mortgage subject, object, effects, registration and realization of right of land use;

其次，笔者着重论述了有关土地使用权抵押制度的一些基本理论问题，其中包括土地使用权抵押的主体问题、客体范围问题、效力问题、登记问题及抵押权的实现问题；

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this paper is aimed for the purpose of agricultural development and seeking for guarantee in laws and systems to improve the farmers' income, specifically, establishing collective land usufruct mortgage system.

文章写作的目的就是为了发展农业，提高农民收入寻求法律制度上的保障，具体而言完善集体土地用益物权抵押制度就是其中一项重要举措。

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It is the most important principle in handling the mortgage right of land and house property of state enterprise in experimental cities to arrange workers and safeguard the workers' interests.

安置职工和维护职工的权益，是在处理试点城市国有企业的土地和房产抵押权时的首要原则；

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this paper tried to distinguish the difference between collective land use and distributed land use in mortgage and proposed a stricter control of land use right registration.

本文主要结合我国土地使用权抵押的现实，界定划拨土地使用权和集体土地使用权抵押的范围，并对完善土地使用权登记手续提出看法。

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