conventional mortgage (1)约定抵押 指双方当事人以合同方式约定，一方为担保某一行为的完成而将其财产之一部或全部设定抵押，但不移转财产的占有。它区别于法定抵押〔legal mortgage〕，后者系指在某些案件中，未经当事人约定，仅以法律规定而使债权人对债务人的财产所享有的特权。 (2)〈美〉普通抵押 指未受政府保险支持的抵押，而由借款人将其留置权或附解除条件的所有权直接向贷款银行或其他金融机构进行转让。典型例子即为住房融资。 (→conventional home mortgage)
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A mortgage, not backed by government insurance, by which the borrower transfers a lien or title to the lending bank or other financial institution. • These mortgages, which feature a fixed periodic payment of principal and interest throughout the mortgage term, are typically used for home financing. — Also termed conventional loan.
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conventional home mortgage 普通住房抵押 指购房者常用的一种担保方式，即由其将财产的留置权或附解除条件的所有权〔defeasible title〕转让于银行或其他金融机构，以获取全部或部分的购房价款。这种抵押贷款没有其他政府组织诸如美国「联邦住房管理局」〔FHA〕或「退伍军人事务部」〔VA〕的支持，全凭贷款人对借款人的信用以及财产的担保，故得名。
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Federal Home Loan Mortgage Corporation. A corporation that purchases both conventional and federally insured first mortgages from members of the Federal Reserve System and other approved banks. — Abbr. FHLMC. — Also termed Freddie Mac.
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