“叮当邮件”英语怎么说

名词解释：美国发生次贷危机时，许多家庭为了逃脱他们无法偿还的高额按揭贷款，把房子的钥匙寄还给银行，于是这些送上锁匙的邮件称为叮当邮件。你知道怎么用英语表达叮当邮件吗?

In countries such as Ireland, it has always been difficult for individuals to abandon a debt completely, even after default.

But recently, some Irish mortgage providers were offering "non-recourse" loans, which give them the right to repossess property in the event of default but not to pursue borrowers personally.

If these experiments spread, it could change the pattern of mortgages: in future some borrowers could walk away. Jingle mail would have an Irish tone.

在爱尔兰这样的国家，个人很难完全甩开债务，即使在发生违约后也是如此。

然而在近期，爱尔兰一些按揭贷款提供者推出了“无追索权”贷款，让它们有权在出现违约的情况下收回房产，但无权追索借款人个人的偿债责任。

如果这种试行方法推广开来，可能会改变按揭贷款的运作规律：未来，一些借款人能抛下债务一走了之。爱尔兰也将传出叮当邮件的声音。

　　【讲解】

文中的jingle mail就是“叮当邮件”的意思，名称近似圣诞歌《Jingle Bell》，其中mail作名词，意为“邮件;信件”，主要用于美式英语，而post多用于英式英语，如：registered mail(挂号信)，deliver the post(投递邮件)。

第二段中的mortgage作名词，意为“抵押贷款，按揭贷款”，如：He applied the windfall to payment of his mortgage. (他把那笔意外的收入用于偿付抵押贷款。)