mortgage receivable; mortgage owned

简明释义

应收押款

英英释义

例句

1.A healthy level of mortgage receivable 抵押贷款应收款 indicates strong lending practices by the bank.

健康的抵押贷款应收款水平表明银行的放贷实践良好。

2.The bank reported an increase in mortgage receivable 抵押贷款应收款 due to the rise in home purchases last quarter.

由于上个季度房屋购买增加，银行报告了抵押贷款应收款的增长。

3.The financial statement showed a significant amount of mortgage receivable 抵押贷款应收款 that could generate future income.

财务报表显示了大量的抵押贷款应收款，这可能会产生未来的收入。

4.Due to economic conditions, the mortgage owned 拥有的抵押贷款 decreased in value.

由于经济条件，拥有的抵押贷款的价值下降。

5.Investors are particularly interested in the mortgage owned 拥有的抵押贷款 portfolio of the company.

投资者特别关注公司的拥有的抵押贷款组合。

作文

Understanding the concepts of mortgage receivable and mortgage owned is crucial for anyone involved in real estate financing or investment. A mortgage receivable refers to the amount of money that a lender is entitled to receive from a borrower as part of a mortgage agreement. This is essentially a financial asset for the lender, representing future cash flows that will be received as borrowers make their monthly payments. On the other hand, mortgage owned pertains to the mortgages that a lender holds on their balance sheet. This includes all the loans they have issued, which are secured by real estate properties. The significance of these terms becomes evident when we consider the operations of banks and financial institutions. For example, when a bank issues a mortgage to a homebuyer, the loan amount becomes a mortgage receivable on the bank's books. As the homeowner makes payments over time, the bank receives cash flow, which can be used for further lending or investment purposes. This creates a cycle of money circulation within the economy, benefiting both the lender and the borrower.Conversely, the mortgage owned represents the bank's assets. It reflects the total value of all the mortgages it has issued and still holds. This figure is important for assessing the financial health of the institution. If a bank has a high volume of mortgage owned but faces a significant number of defaults, its financial stability could be at risk. Therefore, understanding the balance between mortgage receivable and mortgage owned is essential for evaluating a bank's risk management strategies.Moreover, these concepts are also relevant for investors who are interested in purchasing real estate-backed securities. When investors buy into mortgage-backed securities, they are essentially buying a stake in a pool of mortgage receivables. The performance of these investments depends on the ability of borrowers to repay their loans. If the underlying mortgage owned portfolio has a high default rate, the cash flows from the mortgage receivable will diminish, leading to potential losses for investors.In conclusion, the terms mortgage receivable and mortgage owned are integral to understanding the dynamics of real estate finance. They not only highlight the relationship between lenders and borrowers but also indicate the overall health of financial institutions and investment opportunities. By grasping these concepts, individuals can better navigate the complexities of the mortgage market and make informed decisions whether they are borrowing, lending, or investing. Understanding the interplay between mortgage receivable and mortgage owned allows stakeholders to assess risks and rewards effectively, ultimately contributing to more stable financial markets.

理解抵押贷款应收款和抵押贷款拥有的概念对于任何参与房地产融资或投资的人来说都是至关重要的。抵押贷款应收款是指贷方根据抵押协议有权从借款人那里收取的金额。这本质上是贷方的一项金融资产，代表着未来现金流，将在借款人按月还款时收到。另一方面，抵押贷款拥有指的是贷方在其资产负债表上持有的抵押贷款。这包括他们已发放的所有贷款，这些贷款是由房地产物业担保的。当我们考虑银行和金融机构的运营时，这些术语的重要性变得显而易见。例如，当一家银行向购房者发放抵押贷款时，贷款金额就成为银行账簿上的抵押贷款应收款。随着房主随时间推移进行还款，银行会收到现金流，这可以用于进一步的借贷或投资目的。这在经济中创造了资金循环的周期，惠及贷方和借款人。相反，抵押贷款拥有代表银行的资产。它反映了其已发放并仍持有的所有抵押贷款的总价值。这个数字对于评估机构的财务健康至关重要。如果一家银行拥有大量的抵押贷款拥有但面临大量违约，其财务稳定性可能会受到威胁。因此，理解抵押贷款应收款和抵押贷款拥有之间的平衡对于评估银行的风险管理策略至关重要。此外，这些概念对于希望购买以房地产为担保的证券的投资者也很相关。当投资者购买抵押贷款支持证券时，他们实际上是在购买一池抵押贷款应收款的股份。这些投资的表现取决于借款人偿还贷款的能力。如果基础的抵押贷款拥有投资组合违约率很高，则来自抵押贷款应收款的现金流将减少，导致投资者可能遭受损失。总之，抵押贷款应收款和抵押贷款拥有这两个术语对于理解房地产金融的动态至关重要。它们不仅突显了贷方与借款人之间的关系，还指示了金融机构的整体健康状况和投资机会。通过掌握这些概念，个人可以更好地驾驭抵押市场的复杂性，并在借贷、放贷或投资时做出明智的决策。理解抵押贷款应收款和抵押贷款拥有之间的相互作用使利益相关者能够有效评估风险和收益，最终有助于金融市场的稳定。