BEC热词：美国经济状况好转“按揭拖欠”知多少？

　　由于出口增长，美国贸易赤字自九月开始迎来了第三个月的下降。十月，工业产值显著提升。按揭拖欠和回赎权的丧失现象都在减少。业主自用房市场持续低迷，但对租房者很有吸引力的多户型房屋的增长情况良好，到年底较2010年可能会有50%的增长。居住用房的增长正在冲击历史新高。

　　请看相关英文报道：

　　America’s trade deficit declined for the third month running in September, thanks to rising exports. Industrial production rose strongly in October. Mortgage delinquencies and foreclosures continue to tick downward. The market for owner-occupied homes remains weak, but construction of multi-family residential units, which are attractive to renters, may end the year up over 50% from 2010. Residential building improvements are touching record highs.

　　【解析】

　　在上述报道中，"mortgage delinquencies"就是“按揭拖欠”的意思。"mortgage"是指“抵押借款、按揭”，也就是按揭人将物业产权转让于按揭受益人作为还款保证，还款后，按揭受益人将物业产权转让给按揭人。而在mortgage delinquency的情况下，房屋按揭到期不能付款，可能带来的后果就是"foreclosures",即“回赎权丧失”，也就是说房屋会被没收并拍卖以偿付银行贷款。

　　例句：

　　Mortgage delinquencies rise in second quarter.

　　按揭拖欠现象在第二季度有所增加。

　　He has paid off the mortgage.

　　他已归还抵押借款。

　　Nationally, foreclosure rates increased in the fourth quarter, but especially among subprime loans.

　　第四季度全国性的丧失抵押品赎回权比率，特别是在次级受贷者中增加了。