奥巴马2012年9月29日电台演讲译文【原创】Hello, everybody. Four years ago this month, a crisis that started out on Wall Street almost brought down our entire economy. The nation’s biggest banks were days away from failing. The stock market – and millions of American retirement accounts – were in free-fall. Credit froze. Lending stopped. And businesses large and small didn’t even know if they’d be able to make payroll. It was a moment the likes of which few Americans had ever seen.大家好。

四年前的这个月，一场发端与华尔街的危机几乎摧毁了我们的整个经济体。

全国最大的银行就差几天就倒闭了。

股市和几百万人的退休基金成了自由落体，信贷冻结，贷款停止。

大大小小的都不知道能否发工资了。

这个时刻几乎没有人见过能与其比肩的。

Today, we know the biggest cause of that crisis was reckless behavior in the housing market.今天，我们知道这场危机的最大原因就是房产市场的草率行为。

Millions of Americans who did the right and responsible thing – who shopped for a home, secured a mortgage they could afford, and made their payments on time – were badly hurt by the irresponsible actions of others. By lenders who sold loans to families who couldn’t afford them – and buyers who knew they couldn’t afford them. By speculators who were looking to make a quick buck. And by banks that packaged and sold those risky mortgages for phony profits.成千上万的人们行为正确负责—他们谋求买房，保证抵押贷款能够支付得起，及时偿还债务—但是他们却被其他人的不负责任的行为严重坑害。

被贷款给无力偿还的家庭的借方们坑害--被明知买不起还买的买家们坑害。

被那些企图一夜暴富的投机商们坑害。

被那些为了虚假利润打包出售他们的风险抵押贷款的银行们坑害。

When the party stopped, and the housing bubble burst, it pushed our entire economy into a historic recession – and left middle-class families holding the bag.当一方停止游戏了，房地产泡沫破裂了，我们这个经济体被推进一个历史性的大萧条—让广大中产阶级家庭承受负担。

Four years later, the housing market is healing. Home sales and construction are up. Prices are beginning to rise. And more than a million families who began this year owing more on their mortgages than their homesare worth, are now back above water.四年以后，房地产市场走向健康。

房屋销售和建设开始回升。

房价开始回升。

超过一百万家庭从今年开始拥有的抵押权超过房价了，他们已经浮出水面了。

We’re moving in the right direction. But we’re not there yet. There are still millions of Americans who are struggling with their mortgages, even at a time of historically low rates.我们正在正确的方向前进。

但是我们还没有万事大吉。

现在仍然有成千上万的人们在为他们的抵押而奋斗，尽管是在这利率创历史低点的时刻。

Now, I know there are some who think that the only option for homeowners is to just stand by and hope that the market has hit bottom. I don’t agree with that.现在，我知道有些人认为房主们的唯一选择就是坐视和期待市场触底反弹。

我反对这一点。

That’s why my Administration teamed up with state attorneys general to investigate the terrible way many homeowners were treated, and secured a settlement from the nation’s biggest banks – banks that were bailed out with taxpayer dollars – to help families stay in their homes.这就是为什么本届政府与各个州的大法官们联手调查让房主们受到坑害的卑劣行径，保证国家的那些最大的银行不至于倒闭—用纳税人的钱保住那些银行—以便帮助居者有其屋。

And that’s why we announced new steps to help responsible homeowners refinance their mortgages. Already, hundreds of thousands of Americans who were stuck in high-interest loans have been able to take advantage of lower rates and save thousands of dollars every year.这就是为什么我们推出新措施帮助负责任的房主们重新投资于他们的抵押。

成千上万的陷入高利贷的人们已经可以低息贷款而每年节省数千美元。

That’s not only good for those families; it’s also good for our economy. When folks are spending less on mortgage payments, they’re spending more at local businesses. And when those businesses have more customers, they start hiring more workers.这不仅对这些家庭有利；它也有利于我们的经济。

人们少支付抵押贷款利率，就可以多投资地方企业。

这些企业顾客多，他们就会雇佣更多工人。

But we can do even more if Congress is willing to do their part.但是如果国会愿意履行他们的职责，我们甚至还可以做得更多。

Back in February I sent Congress a plan to give every responsible homeowner the chance to save about $3,000 a year on their mortgages by refinancing at lower rates. It’s a plan that has the support of independent, nonpartisan economists and leaders across the housing industry. But Republicans in Congress worked to keep it from even getting to a vote. And here we are – seven months later – still waiting on Congress to act.回首今年二月，我向国会提交了一个计划，旨在通过低利率贷款让负责任的家庭重新投资于他们的抵押，这样一年可以节省3,000美元。

这个就会得到了独立经济学家，无党派经济学家和整个房地产业的领导者们的支持。

但是共和党国会议员们甚至拼命阻挠这个计划进入投票表决。

七个月之后，我们仍然在等待国会行动。

This makes no sense. Last week, mortgage rates were at historic lows. But instead of helping more and more hardworking families take advantage of those rates, Congress was away on break. Instead of worrying about you, they’d already gone home to worry about their campaigns.这毫无道理。

上周，抵押利率创历史新低。

但是国会不是利用这个机会帮助更多的勤奋工作的人们，反而溜之大吉，休假去了。

他们不是考虑你们，他们已经回家考虑他们的选举去了。

The truth is, it’s going to take a while for our housing market to fully recover. But it’s going to take a lot more time – and cause a lot more hurt – if Congress keeps standing in the way. If you agree with me, I hope you’ll make your voices heard. Call your Representative. Send them an email. Show up at their town hall and tell them that when Congress comes back to Washington, they better come back ready to work. All of you are doing everything you can to meet your responsibilities. It’s time Congress did the same.事实是，我们的房地产市场将要调整一小会儿以便全面复苏。