| 1. | Part of this is the flight from risk involving investments based on self prime ( subprime ) home loans
一部分原因是他们想远离次优抵押房屋贷款的投资风险。 |
| 2. | Lenders generally do not want to be in the business of selling houses reclaimed through foreclosure
出借方通常并不想通过丧失抵押房屋的赎回权来销售收回的房屋。 |
| 3. | I / we agree to purchase a property insurance covering the mortgaged property according to the bank ' s requirement
本人(等)同意按贵行要求为抵押房屋购买个人抵押贷款房屋保险。 |
| 4. | Credit rating agencies are now recognizing that investments based on subprime home loans are risker ( riskier ) than investors have thought
信用评级机构正意识到次优抵押房屋贷款的投资风险远大于投资者的想象。 |
| 5. | Analysts say during the housing boom when interest rates were low , borrowing by homeowners with little cash and poor credit more than tripled between the years 2000 and 2006
分析家称，当利率很低时，房价就飞涨，缺乏现金和信用卡并抵押房屋的私房业主在2000年至2006年间翻了三倍 |
| 6. | This covers the losses of mortgage house and the rational costs of lessening the risks because of fire 、 explosion 、 wind 、 storm 、 typhoon and flood
承保因火灾、爆炸、暴风、暴雨、台风、洪水等原因造成抵押房屋的损失以及为抢救房屋财产支付的合理施救费用。包括了财产损失险和还贷保证保险两个险别。 |
| 7. | One reason for this difference is that anglo - saxon economies have more sophisticated instruments through which people can take cash out of their homes , through the ability to refinance mortgages , for example
其中的一个原因是因为英、美经济体[注一]有着更为复杂的交易手段，如通过抵押融资能力来抵押房屋以外的物品获得现金。 |
| 8. | Whereas the mortgaged house , as the subject - matter of insurance , is exposed to risk separately with its different parts . some risks work on the land , others do on its appurtnant buildings , which influences the insurable intrest
但是抵押房屋作为保险标的，各种风险因素发生作用的对象常常是分割的，有的风险作用于地上建筑物，有的风险作用于土地，这就影响了可保利益的指向。 |
| 9. | In homeowner ’ s mortgage insurance , the mortgaged house is the subject property , it is also an integrated property of the land with its appurtenant structures , which is charasterized as real estate , that means the land and the buildings on it can not be separated in form and value
在住房抵押贷款房屋保险中，抵押房屋是标的财产，是土地及地上建筑物的统一体，具备不动产土地及地上建筑物形态和价值的不可分割性。 |
| 10. | This article is based on the principles of risk management and insurance . it insights into the interrelationship among risk , insurable interest and such important factors as insurance value in mortgage insurance , explains the asymmetry of risk assumed and relevant coverage , shows the brand new concept of ratio of real estate insurance value , argues the application of replacement less depreciation approach to the valuation of insurance value in mortgage insurance , and analyzes the valued policy and moral hazard in real estate insurance
本文基于风险与保险基本原理和不动产估价原则，结合保险发达国家不动产保险实务和我国抵押贷款相关险种保单条款，深入剖析住房抵押贷款保险的风险、可保利益、保险价值等要素的内在联系以及现行保险条款中风险与保险责任不对称的原因，提出了不动产保险价值比率的全新概念，论证了住房抵押贷款的保险价值评估适用抵押房屋重置价值的观点，并对不动产保险中定值保单和道德风险进行了探讨。 |
