【Native Speaker每日综合训练—38系列】【38-16】经管 Mortgage

小麦爱自由

Speaker:
FHFA(Federal Housing Finance Agency) is in charge of Fannie Mae and Freddie Mac.
FHFA signaled some big changes that will allow more people to qualify for mortgage.
Now the US housing market has come back.

Time2        1:37
US mortgage rate moved to lower this week. Recent housing market data in US has improved.
Time3        2:22
SunTrust Mortgage has agreed to pay up to $320million to resolve allegation that it misled customers seeking loan modifications under a government program established to help homeowner avoid foreclosure.
Time4        1: 16
UK government worries the reckless bank lending for housing mortgage and unveiled three measures aimed at curbing some of the excesses.
Time5         1:31
The measures won't affect the house market at once and interest rate in UK is about to rise.
Time6        1:14
Buying in US will be cheaper than renting in US in general.
Obstacle        6:51       

cyndichiang

Time 1'10''
Mortgage rate has dropped even lower an and has improved the renting business.

Time3 2'30''
New loan modification program has its advantages and disadvantages
Borrowers can receive assistance from loan company but some of them make untrue credit report.

Time4+Time5 2'32''
The condition in UK: More than 80% borrowers
-->standard of mortgage.
Some experts say that the bank should rise up the mortgage rate to guarantee the government's Help-to-Buy scheme.

Time6 38''
Buy or rent: it depends on the factors such as location,price and tax

最近在新加坡。。落下好多，争取慢慢补回来。。。

cyndichiang

Obstacle:5'19''
Most Chinese woman are not willing to marry without house and mortgage always precedes marriage.
Recently some young couples tend to naked marriage
The reason for the high price of estate market is the uneven distribution of male and female: man outnumber the woman.
Another reason is that woman regard the ability of affording a house as standard of masculinity.
More woman want to add their names to  title certificate but the joint contribution has some law problems and corresponding solutions.

JennyF

辛苦了～～～

1’38
3’08
1’19
1’49
1’14

5’40

psychoarya

占座~~~~~~~今天要补两天作业

Pumpkin-GMAT

Speed
Time 2 - 1:22 - 229
     Recently, the mortgage rates move even lower , surprising lots of experts. The housing market has improved because of the low mortgage rates.

Time 3 - 2:46 - 379
     SunTrust Mortgage has agreed to pay for $ 320 million for its poor administration toward HAMP.

Time 4 - 1:13 - 183
     The authority of U.K. now unveils three main measures to curb the reckless lending ,which may induce the rise of interests rate, in the housing market.

Time 5 - 1:37 - 255
     Some economists and experts show their prospective and concerns toward the measures .

Time 6 - 1:08 - 177
     Although buying a house is cheaper than renting one from a long-term view, deciding whether to buy or rent depends on many other features.

Obstacle - 5:02 - 764
     The marriage in China has been bounded up with property, thus making the pressure of marriage still heavy. But, as the author shows, the mortgage hurt women more than men.
     On the one hand, more and more women now choose to share the burden of affording the house with their husband. One the other hand, although the number of women deciding to put their names on the registration of property has been growing, macho posturing among China is still an obstacle that makes the state of women ,when talking about the property, is devalued.

Jasmineee18

T2 1min03s
T3 2min25s
T4 56s
T5 1min17s
T6 1min42s
Obstacle 3min52s

一千座喷泉

515 words 5min  v=103words/min
券商的市场本来特别好，但是他们有很多的competitor和new entrant。Discount brokers\mutual fund和其他专业化的provider在抢占市场，因为他们有更低的价格和更多的科技应用，比如new entrants 用了direct channel。这一切都让full-service firms 变得大而不当，而且被小的专业化的公司围攻。为了回击他们，大全公司需要发扬优点支撑缺点。优点：产品宽度，个人化服务和一站式服务 缺点：关注成本和经营效能，给顾客批足够多的存款。关注客户关系。而专业化公司则解绑一揽子服务，用电子科技代替面对面，提供自助服务等让专业公司更有上涨势头Individual investors 个人投资者变多。专业化公司更加注重单一服务的资源，让他们觉得更便宜专业化公司市场好，投资者获利
1980年前，full-service 市场好，占主导。券商管制法让各个公司能公平竞争，顾客转化率低。但价格管制改变了这个情况，更多专业化的公司来了并且提供了更低廉的价格
powerhouses（强大集团，高地）
Li Keqiang says FTZs should be a powerhouse of reforms instead of becoming places for favorable policies.        
baby boomers （婴儿潮时期出生的人）
discount brokers（折让票据）A stockbroker who carries out buy and sell orders at a reduced commission compared to a full-service broker, but provides no investment advice.
价格更低，但是没有投资建议
pass on （审核）
that if a country cooperates on terrorism, it will get a pass on other issues.
如果一个国家在反恐上进行合作，那在其他问题上也会获得通行证。
We should pass on the cultural heritage to the coming generation.
我们应该将文化遗产传给（即将到来的）下一代。
unbundled（解绑，对xxx进行分类定价）
By contrast, there is no obvious reason to unbundle narrative books into individual chapters or paragraphs 没必要把书的章节单独拆开来卖
mandated a level （平等的）playing field 提供一个公平的竞争环境
beyond their image （超越自己的形象）
price deregulation（价格放松管制）Deregulation：The reduction or elimination of government power in a particular industry, usually enacted to create more competition within the industry. 政策放松管制
Since deregulation, banks are permitted to set their own interest rates.
she pursued privatization and deregulation, cut taxes on the rich and attacked trade unions.
她追求私有化和放松管制,为富人减税及攻击工会。

Jasmineee18

T2 1min24s
T3 2min17s
T4 47s
T5 2min25s
T6 56s
Obstacle 4min02s

SailorMoonfan

T2 1'32
Mortgage rates dropped to a low degree that surprised some experts who thought the rates would rebounce. The relatively low mortgage rates mean that people burdening the house loan can pay less than payment during a high-rate period. Nobody knows when mortgage rates will start to increase.

T3 3'04
SunTrust agreed to pay $320 million to probe for loan program, because the corporation misrepresented and omitted the information to borrowers who sufferred in this financial harm. Additionally, the people who exactly needed help were negatively influenced by Suntrust's poor administration.

T4 1'17
Mortgages make up more than 80% of household debt in UK, and not preventing the rise of this proportion without jeopardizing the economy's recovery is very hard. Three measures to curb the rise have been put forward.

T5 1'48 255
One officer of The Bank of U.K. stated that the 15% cap on mortages would happen within a year, and that mortgages would still be available for borrowers. The benchmark rate in U.K is also expected to rise with the recovery of economies. Moreover, it is expected that mortgages can be curtailed in the future in U.K.

T6 1'13 177
After analyzing data from 100 metro areas, a estate web concluded that it is cheaper to buy a house than just rent. However, the decision of whether to buy or rent also depends on other factors, such as location. It is showed that the costs of buying a house would be offseted later.

Obstacle 5'00 764
在中国，有房才结婚是大多数年轻人或者他们的家人朋友所认可的。有房一族比没房子的男性在婚恋市场中更受青睐，可以说房子是当代中国人眼里很重要的结婚前提。
正是这些对房子的渴望抬高了一个又一个城市的房价，而高房价也让越来越多的年轻人对买房可望不可即。虽然“裸婚”的观点受到越来越多的年轻人的认可，但是他们的父母和朋友并不赞同。

男女双方共同买房这些年更普遍了，但是房产证上同时写上女方的名字在这个男性社会却没那么高的认可度。很多夫妻在结婚的时候由于传统观念或者其他原因并没有做婚前财产公证，而且很多的男方家庭也不愿意在房产证上写上女生的名字。有些由男方独立出资买的房子更不会在房产证上写夫妻双方的名字，即使女方会在婚后承担家用设施的购买即房子的装修费用。