英语翻译The housing market is already troubled and the next tsunami might be right around the corner.Resets on ARM,adjustable rate mortgages could set off a new wave of foreclosures.CNN’s personal finance editor Gerri Willis joins us now to off

来源：学生作业帮助网 编辑：作业帮 时间：2024/04/30 13:21:59
英语翻译The housing market is already troubled and the next tsunami might be right around the corner.Resets on ARM,adjustable rate mortgages could set off a new wave of foreclosures.CNN’s personal finance editor Gerri Willis joins us now to off

英语翻译The housing market is already troubled and the next tsunami might be right around the corner.Resets on ARM,adjustable rate mortgages could set off a new wave of foreclosures.CNN’s personal finance editor Gerri Willis joins us now to off
英语翻译
The housing market is already troubled and the next tsunami might be right around the corner.Resets on ARM,adjustable rate mortgages could set off a new wave of foreclosures.CNN’s personal finance editor Gerri Willis joins us now to offer some advice on how to avoid mortgage reset headaches.
And Gerri,first and foremost how big of a problem are we encountering in the industry?
Well,I will say it’s a big problem.There’re about 2.3 million subprime borrowers whose home loans are projected to reset at higher rates through the end of next year.Now,that means those low teaser rates may go up a few points resulting in monthly payments.It could be hundreds of dollars more.Now the peak of subprime US mortgage resets will happen next march.
Gerri,help us to set a priority at this point,the priorities,What’s the No.1 thing we should all do if you happen to have an adjustable-rate mortgage?
Well,get your paperwork.If you have a one,three or five year hybrid ARM,your monthly statement will not tell you,your caps or any other terms of your loan to find out when your rate could adjust and what you’ll be on the hook for.Dig out your adjustable rate rider now.This should be included with your original closing papers.Adjust what rates can adjust annually.Next you’ll wanna look at the caps,these caps,they ah prohibit your interest rates from moving too much in either direction in a given time frame.If you have any questions or you are not sure what you will have to pay,call a nonprofit counseling organization.To find one in your area,go to HUD.gov.
What about refinancing as an option?Who should think about that?
Well,sometimes refinancing just isn’t in the cards,especially if your home price/ has dropped in the last few months.If values haven’t dropped that significantly and you wanna get out of the rate reset,think about refinancing.Refinancing makes sense if you plan to stay in your home for at least another 2 years and you’ll lower your interest rates by at least 1.5 percentage points.In order to refinance,you’ll need 10 to 20 percent equity in your home.
For home owners struggling right now to just make/ the basic payment and then have the adjustable-rate mortgages,is there any help out there for them?
Well,right now Treasury Secretary Henry Paulson and Federal Banking Regulators are working out the details of a plan to extend lower intro-interest rates,those teaser rates on home loans before they reset at a higher level.A decision could come this week,but remember,this is just a proposal for right now.I’ll bring you the details as they develop/.And if you have any questions,please send them to us at toptips@cnn.com.We love hearing from you.

英语翻译The housing market is already troubled and the next tsunami might be right around the corner.Resets on ARM,adjustable rate mortgages could set off a new wave of foreclosures.CNN’s personal finance editor Gerri Willis joins us now to off
住屋市场已经感到困扰,而且下一个海啸可能就要来临.在手臂上的重新设定,可调整率抵押贷款可以出发一个回收物业的新趋势.CNN 的个人财政编者 Gerri 威利斯现在参加我们在该如何避免被重新设定头痛的抵押贷款之上提供一些忠告.
而且 Gerri,首先如何大的一个问题是我们在工业中遇到?
好吧,我将会说资讯科技是一个大的问题.There're 大约二百三十万个被计画整明年底以比较高的比率重新设定的次精华借用人.现在,方法那些低的惹人者率可能上升造成每月的付款一些点.资讯科技可能是数以百计元更多.现在次精华美国抵押贷款重新设定的山顶将会发生下个游行.
Gerri,帮助我们此时设定优先,优先,号码是什么1件事物如果你碰巧,我们全部应该做有可调整- 比率抵押贷款?
好吧,得到你的文书工作.如果你有一只一,三或五年混血儿手臂,你的每月陈述将不告诉你,发现的你贷款的你无边帽或任何其他的期限当你的比率可以调整,而且你什么将会在钩上的时候.现在搜出你的可调整率骑士.这应该和你的最初结束文件包含在一起.调整什么比率每年能调整.然后你将会想要看无边帽,这些无边帽,他们啊使你的利率无法在一个给定的时间体格的任一方向中移动太多.如果你有任何的问题,否则你不确定你将会必须支付的,呼叫一个非营利的商议组织.为了要在你的区域中找一,去 HUD.gov.
再借如选项怎么样?世界卫生组织应该想那?
好吧,有时仅仅再借不在卡片中,尤其如果你的家定价格/已经偶然造访最近几月.如果价值没有重要地降低那,而且你想要离开比率重新设定,想再借.如果你计划留在你的家至少另外 2 年,而且你将会降低至少 1.5个百分点的你利率,再借有道理.为了要再借,你将会在你的家中需要百分之 10 到 20 的公正.
为立刻奋斗仅仅制造/ 基本的付款然后有可调整- 比率的抵押贷款的家庭拥有者,为他们向那边有任何的帮忙吗?
好吧,立刻财政部秘书亨利 Paulson 和联邦的银行业调整者正在想出计划的细节扩充比较低度的介绍 - 利率 ,那些惹人者在房屋贷款上的率在他们之前重新设定在一比较高的.决定这星期可以受到的影响,但是记得,这只是一份提议为立刻.当他们发展的时候,我将带给你细节/.而且如果你有任何的问题,请在 toptips@cnn.com 派遣他们给我们.我们爱收到你的消息.
上面是我的翻译

房屋市场已经是多事之秋，并在未来的海啸可能是正确的角落附近。重置对手臂，可调整利率可能会引发新一波的foreclosures 。有线电视新闻网的个人理财编辑gerri威利斯加入，我们现在提供一些意见，就如何避免按揭复位头痛的问题。
和gerri ，首要的是如何大的一个问题是，我们遇到了在该行业？
那么，我会说，这是一次规模很大的问题。有正在约230万subprime借款人的住房...

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房屋市场已经是多事之秋，并在未来的海啸可能是正确的角落附近。重置对手臂，可调整利率可能会引发新一波的foreclosures 。有线电视新闻网的个人理财编辑gerri威利斯加入，我们现在提供一些意见，就如何避免按揭复位头痛的问题。
和gerri ，首要的是如何大的一个问题是，我们遇到了在该行业？
那么，我会说，这是一次规模很大的问题。有正在约230万subprime借款人的住房贷款预计将复位较高利率通过将于明年年底完成。现在，这意味着这些病毒和低利率可能上升的几点导致每月按时付款。它可数百美元以上。现在山顶的subprime美国按揭复位，将发生于明年3月。
gerri ，有助于我们树立了优先在这一点上，优先项目，什么样的1号的事，我们都应该这样做，如果你刚好有一个可调利率抵押贷款？
那么，你的文书工作。如果你有一，三或五年杂交手臂，您每月的声明将不会告诉你，你的帽子或任何其他条款，你的贷款，以了解当你的速度可以调整和什么你就对钩。发掘出你的可调整利率莱德现在。这应包括与你原来关闭的文件。调整利率有什么可以调整一次。下次你就会想要看看在帽子，这些帽子，他们啊，禁止你的利息从行驶太多，要么方向，在一个特定的时间内完成。如果您有任何疑问或你不知道你将要付出的，请一个非盈利咨询组织。找到一个在你的领域，去hud.gov 。
那么，再融资作为一项选择呢？谁应该考虑一下。
好，有时再融资刚才是不是在卡的，特别是如果你的家价格/下降，在过去数个月。如果价值观的，都没有下降显着，你想摆脱率复位，想想再融资。再融资是有道理的，如果你打算留在你家，另外至少有2年，你就会降低你的利率至少1.5个百分点。为了再融资，你需要10到20 ％的股权，在你的家。
为自置居所的权利而奋斗，现在刚刚作出/基本金，然后再有浮动利率抵押贷款，是否有任何帮助，因此他们呢？
那么现在财政部部长亨利保森和联邦银行监管工作进行了细化，一项计划，以扩大较低介绍了利率，这些病毒和利率住房贷款，然后重新在较高的水平。决定，可以到这个星期，但请记住，这只是一个建议权。我会为你带来的细节，因为他们正在制定/ 。如果您有任何疑问，请发送给我们，在toptips@cnn.com 。我们喜欢听你说出来。

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