抵押人

A subprime borrower has been defined by the 2001 Interagency Expanded Guidance for Subprime Lending Programs as one who displays a range of credit risk characteristics on a general basis which includes, among other things, two or more 30-day delinquencies in the last 12 months; judgment, foreclosure, repossession, or charge-off in the prior 24 months; bankruptcy in the last five years; or a debt service-to-income ratio of 50 percent or greater.

阿优抵押人已被定义为一个谁上显示一般基础，包括信用风险特征的范围由2001年间扩大指导次级抵押贷款程序，除其他外，两个或两个以上30天的拖欠，在过去12个月；判决，取消抵押品赎回权，收回，或撇在前24个月；破产，在过去5年；或偿债到百分之五十或更高收入的比率。

The bank became our mortgagee when it accepted our mortgage on our new home.

当银行接受了我们的新房抵押时，银行就成了我们的承受抵押人。

The house mortgage refers to the behavior which mortgager provides debt execution and guarantee by legitimate house and untransformed ownership.

房屋抵押是指抵押人以其合法的房屋以不转移占有的方式提供债务履行担保的行为。

In the last part, the paper appraises mortgage value using the former and improved capitalization rate respectively. Making using of the method of appraisal bias, the paper concludes that using the former capitalization rate results in overrating the appraisal result, while using the improved capitalization rate does not exist overrating problem. Based on that, the paper compares the former and improved capitalization rate from the following six aspects- mortgager, financial institution, appraisal institution, conservative principle of appraisal of mortgage, default risk, mortgage rate, and finally concludes that the improved capitalization rate is more scientific and accurate.

通过案例分析分别运用改进前后的资本化率进行评估，运用评估bias方法对评估结果进行研究，得出运用改进前的资本化率进行评估存在高估的现象，而运用改进后的资本化率进行评估则不存在高估的问题，在此基础上从抵押人、金融机构、评估机构、保守性估价原则、违约风险、抵押利率六个方面对改进前后的资本化率进行了系统的比较，得出改进后的资本化率更加科学精确的结论。

The debtor whose property is subject to the mortgage is called the mortgagor.

其财产被按揭抵押的债务人被称为抵押人。

Article 17 After a mortgage on civil aircraft is established, the mortgaged aircraft must not be transferred to others by the pledgor without the consent of the pledgee.

第十七条民用航空器抵押权设定后，未经抵押权人同意，抵押人不得将被抵押民用航空器转让他人。

The same applies to lienor and lienee, mortgagor and mortgagee, grantor and grantee, licensor and licensee, party A and party B.

同样，在合同中也不要用&留置权人&和&留置人&，&抵押权人&和&抵押人&，&保证人&和&被保证人&，&许可人&和&被许可人&，&当事人A&和&当事人B&……到底怎麼说，这就要看你驾驭语言的能力了。

The system of hypothec should pay due attention to the protection of the mortgagers in order to perfect its inner legal relations and the best way to achieve this is to give the mortgagers the right of demur at the time of the alteration of the main contract and to impose some legal duties on creditors with mortgage.

赋予抵押人在主合同变更时以抗辩权，以及对担保债权人课以一定的法律义务是实现抵押关系内在平衡的最佳途径。

After having borne security liability, the mortgagor may have recourse against the debtor or require other mortgagors to answer for their own shares.

抵押人承担担保责任后，可以向债务人追偿，也可以要求其他抵押人清偿其应当承担的份额。

Where there are two or more mortgagors for one obligation, and there is no agreement or no clear agreement on the share or order of obligation mortgaged by properties, the mortgagee may exercise his right on any one or every one of such properties.

同一债权有两个以上抵押人的，当事人对其提供的抵押财产所担保的债权份额或者顺序没有约定或者约定不明的，抵押权人可以就其中任一或者各个财产行使抵押权。

Since historical times,England ,where the early inhabitants were Celts, has been conquered three times .

从有历史以来，英国，在此地早期居住的是凯尔特人，已经被征服了三次。

Bluetooth OBEX File Transfer Enables the sending and receiving of files on your phone via Bluetooth.

蓝牙OBEX文件移动允许经过蓝牙传送和接受文件。。。。