Federal National Mortgage Association

简明释义

美国联邦国家房屋贷款协会

英英释义

例句

1.Investors often purchase mortgage-backed securities issued by the Federal National Mortgage Association.

投资者通常会购买由联邦国民抵押贷款协会发行的抵押贷款支持证券。

2.The Federal National Mortgage Association plays a crucial role in the secondary mortgage market.

联邦国民抵押贷款协会在二级抵押贷款市场中发挥着至关重要的作用。

3.The mission of the Federal National Mortgage Association is to expand affordable housing opportunities.

联邦国民抵押贷款协会的使命是扩大可负担住房机会。

4.During economic downturns, the Federal National Mortgage Association helps stabilize the housing market.

在经济衰退期间，联邦国民抵押贷款协会帮助稳定住房市场。

5.Many homebuyers rely on the financing options provided by Federal National Mortgage Association to secure loans for their new homes.

许多购房者依赖于联邦国民抵押贷款协会提供的融资选项来为他们的新家获得贷款。

作文

The Federal National Mortgage Association, commonly known as Fannie Mae, plays a crucial role in the American housing finance system. Established in 1938 during the Great Depression, this government-sponsored enterprise (GSE) was created to expand the flow of mortgage funds in the United States. The primary purpose of the Federal National Mortgage Association is to provide liquidity, stability, and affordability to the mortgage market, thereby promoting homeownership among Americans. By purchasing and guaranteeing mortgages, Fannie Mae enables lenders to offer more loans to potential homeowners, which ultimately supports the housing market and the overall economy.One of the key functions of the Federal National Mortgage Association is to buy loans from banks and other mortgage lenders. This process allows these lenders to free up their capital, enabling them to issue new loans. When Fannie Mae buys these loans, it typically bundles them into mortgage-backed securities (MBS), which are then sold to investors. This not only provides a steady stream of income for the Federal National Mortgage Association but also helps to lower interest rates for borrowers. By increasing the availability of funds for home loans, Fannie Mae contributes to making homeownership more accessible for many families.Moreover, the Federal National Mortgage Association has also played a significant role in promoting affordable housing. Through various programs and initiatives, Fannie Mae aims to assist low- and moderate-income families in achieving their dream of homeownership. For instance, the organization offers products such as HomeReady, which is designed to help first-time buyers or those with limited credit histories secure a mortgage. By focusing on inclusivity, the Federal National Mortgage Association not only addresses the needs of diverse communities but also stimulates economic growth by encouraging home purchases.However, the Federal National Mortgage Association has faced its share of challenges, particularly during the financial crisis of 2008. As the housing market collapsed, Fannie Mae required a significant bailout from the federal government to stabilize its operations. This event raised questions about the sustainability of GSEs and their impact on the economy. Critics argue that the Federal National Mortgage Association and similar organizations contributed to the housing bubble by encouraging risky lending practices. In response, reforms have been proposed to ensure that Fannie Mae operates in a more transparent and accountable manner.In conclusion, the Federal National Mortgage Association is a vital component of the U.S. housing finance system, facilitating homeownership and providing stability to the mortgage market. While it has made significant strides in promoting affordable housing and supporting the economy, it must also navigate the complexities of financial regulation and public scrutiny. Understanding the role of the Federal National Mortgage Association is essential for anyone interested in the dynamics of the housing market and the broader implications for American society. As the landscape of housing finance continues to evolve, the Federal National Mortgage Association will undoubtedly remain a key player in shaping the future of homeownership in the United States.

美国联邦国家抵押贷款协会（Federal National Mortgage Association），通常被称为房利美，在美国住房金融体系中发挥着至关重要的作用。该机构成立于1938年，旨在大萧条期间扩大美国的抵押贷款资金流动。Federal National Mortgage Association的主要目的是为抵押贷款市场提供流动性、稳定性和可负担性，从而促进美国人的住房拥有权。通过购买和担保抵押贷款，房利美使得贷款机构能够向潜在的购房者提供更多的贷款，这最终支持了住房市场和整体经济。Federal National Mortgage Association的一个关键功能是从银行和其他抵押贷款机构购买贷款。这个过程使这些贷款机构能够释放他们的资本，从而使他们能够发放新的贷款。当房利美购买这些贷款时，通常会将其打包成抵押贷款支持证券（MBS），然后出售给投资者。这不仅为Federal National Mortgage Association提供了稳定的收入流，还帮助降低了借款人的利率。通过增加住房贷款的资金可用性，房利美有助于使许多家庭更容易实现住房拥有权。此外，Federal National Mortgage Association在促进可负担住房方面也发挥了重要作用。通过各种项目和倡议，房利美旨在帮助低收入和中等收入家庭实现他们的住房梦想。例如，该组织提供的HomeReady产品旨在帮助首次购房者或信用历史有限的人获得抵押贷款。通过关注包容性，Federal National Mortgage Association不仅满足了多样化社区的需求，还通过鼓励购房刺激经济增长。然而，Federal National Mortgage Association也面临了一些挑战，特别是在2008年的金融危机期间。随着住房市场的崩溃，房利美需要获得联邦政府的重大救助以稳定其运营。这一事件引发了关于政府赞助企业（GSE）可持续性及其对经济影响的质疑。批评者认为，Federal National Mortgage Association和类似机构通过鼓励风险贷款行为助长了住房泡沫。对此，已提出改革建议，以确保房利美以更透明和负责任的方式运营。总之，Federal National Mortgage Association是美国住房金融体系的重要组成部分，促进住房拥有权，并为抵押贷款市场提供稳定性。尽管它在促进可负担住房和支持经济方面取得了显著进展，但它还必须应对金融监管和公众审查的复杂性。了解Federal National Mortgage Association的角色对于任何对住房市场动态及其对美国社会的更广泛影响感兴趣的人来说都是至关重要的。随着住房金融领域的不断演变，Federal National Mortgage Association无疑将在塑造美国住房拥有权的未来中继续扮演关键角色。