mortgage debenture; mortgage bond

简明释义

抵押债券

英英释义

例句

1.Investors were attracted to the high returns offered by the mortgage bond market.

投资者被抵押债券市场提供的高回报所吸引。

2.The bank issued a mortgage debenture to finance the construction of new homes.

银行发行了一种抵押债券来融资新房的建设。

3.The company raised capital by issuing a mortgage bond backed by its real estate assets.

公司通过发行一种由其房地产资产支持的抵押债券来筹集资金。

4.A mortgage debenture is often used as collateral for loans.

一种抵押债券通常用作贷款的担保。

5.Homeowners can refinance their loans using a mortgage debenture to lower their interest rates.

房主可以使用抵押债券来再融资他们的贷款，以降低利率。

作文

In the world of finance, understanding various instruments is crucial for making informed investment decisions. One such instrument that plays a significant role in real estate financing is the mortgage debenture (抵押债券) and its closely related counterpart, the mortgage bond (抵押债券). Both of these financial products are essential for both borrowers and lenders, providing a structured way to secure loans against real estate assets.A mortgage debenture is essentially a type of debt instrument that is secured by a mortgage on real property. When an individual or a corporation wants to borrow money to purchase or refinance a property, they may issue a mortgage debenture. This instrument gives the lender a claim against the property should the borrower default on the loan. The key feature of a mortgage debenture is that it is backed by the physical asset itself, which provides a layer of security for the lender. This means that in the event of a default, the lender has the right to take possession of the property to recover their funds.On the other hand, a mortgage bond functions similarly but often pertains to larger, more institutional investments. Mortgage bonds are typically issued by financial institutions and are often pooled together with other mortgages to create a mortgage-backed security (MBS). Investors purchasing mortgage bonds receive periodic interest payments, which are derived from the mortgage payments made by homeowners. This creates a steady income stream for investors, making mortgage bonds an attractive investment option.Both mortgage debentures and mortgage bonds are vital tools in the real estate market. They allow individuals and companies to leverage their property to access capital while providing investors with opportunities to earn returns on their investments. However, it is important for investors to understand the risks involved. For instance, if the real estate market declines, the value of the underlying properties may decrease, potentially leading to losses for investors holding mortgage bonds.Moreover, the legal framework surrounding mortgage debentures and mortgage bonds can be complex. Different countries have varying regulations regarding how these instruments are structured and sold. For example, in some jurisdictions, mortgage debentures may offer certain tax advantages, while mortgage bonds might be subject to different capital requirements for banks and financial institutions.In conclusion, the concepts of mortgage debenture and mortgage bond are integral to the functioning of the real estate finance industry. By providing mechanisms for securing loans and creating investment opportunities, they facilitate the flow of capital in the economy. Understanding these instruments not only helps borrowers navigate their financing options but also empowers investors to make educated decisions about where to allocate their resources. As the real estate market continues to evolve, the role of mortgage debentures and mortgage bonds will undoubtedly remain significant, highlighting the importance of financial literacy in today’s world.

在金融世界中，理解各种金融工具对于做出明智的投资决策至关重要。其中一个在房地产融资中扮演重要角色的工具是抵押债券和它密切相关的对应物抵押债券。这两种金融产品对借款人和贷方都至关重要，为以房地产资产为担保的贷款提供了结构化的方式。抵押债券本质上是一种由房地产抵押担保的债务工具。当个人或公司希望借款购买或再融资房地产时，他们可能会发行抵押债券。这种工具赋予贷方在借款人违约时对该物业的索赔权。抵押债券的关键特征是它由实物资产本身担保，这为贷方提供了一层安全保障。这意味着在违约事件中，贷方有权占有该物业以追回资金。另一方面，抵押债券的功能类似，但通常涉及更大、更具机构性质的投资。抵押债券通常由金融机构发行，并且通常与其他抵押贷款汇集在一起，形成抵押贷款支持证券（MBS）。购买抵押债券的投资者会收到定期的利息支付，这些支付源自房主所支付的抵押贷款。因此，这为投资者创造了稳定的收入流，使得抵押债券成为一个有吸引力的投资选择。抵押债券和抵押债券都是房地产市场中至关重要的工具。它们允许个人和公司利用其财产获取资本，同时为投资者提供赚取投资回报的机会。然而，投资者了解其中的风险也很重要。例如，如果房地产市场下滑，基础物业的价值可能会下降，从而导致持有抵押债券的投资者面临损失。此外，围绕抵押债券和抵押债券的法律框架可能很复杂。不同国家对这些工具的结构和销售有不同的规定。例如，在某些司法管辖区，抵押债券可能提供某些税收优惠，而抵押债券可能受到银行和金融机构不同的资本要求。总之，抵押债券和抵押债券的概念对于房地产金融行业的运作至关重要。通过提供担保贷款和创造投资机会的机制，它们促进了经济中资本的流动。理解这些工具不仅帮助借款人导航其融资选项，还使投资者能够对资源的分配做出明智的决策。随着房地产市场的不断发展，抵押债券和抵押债券的作用无疑将继续保持重要性，突显了在当今世界中金融素养的重要性。