No one is expecting that mortgage rates will suddenly plummet to those pre-pandemic levels.

没有人认为抵押款利率会突然暴跌至疫情前的水平。

People who own a home with a fixed-rate mortgage might be partially insulated from that.

拥有固定利率抵押款房屋的人可能会在一定程度上免受这种影响。

The people who are talking about who are applying for the mortgages?

在讨论谁在申请抵押款的人？

Yeah, so the mortgage guys, we do residential lending for mortgages.

是的，所以我们这些抵押款的人，就是做住宅抵押款业务的。

Okay, so we did the mortgage guys, got drivenfunding.com.

好的，所以我们找了那些抵押款的人，搞定了drivenfunding.com。

What is happening with the people that had mortgages?

那些有抵押款的人现在情况如何？

They're the ones trying to pay their mortgages.

他们才是那些努力偿还抵押款的人。

I have a family member that is our mortgage lender, though, so we filed an official mortgage.

我有一个家庭成员是我们的抵押款放款人，所以我们正式申请了抵押款。

The government, Fannie Mae, Freddie Mac, was giving mortgages to people who couldn't pay the money back.

政府、房利美和房地美向那些无力偿还款的人发放抵押款。

And she says as of March, around 60 percent of people with mortgages had rates below 4 percent.

而且她说截至3月，大约60%的有抵押款的人的利率低于4%。

Another example are people who take out a mortgage that's just slightly affordable, as long as they keep earning what they earn, working stressful jobs.

另一个例子是那些获得稍微负担得起的抵押款的人，只要他们取收入，从事压力很大的工作。

In the USA, lenders then began to offer mortgages to people who did not earn enough even to cover the interest payments.

在美国，款机构随后开始向那些收入甚至不足以支付利息的人提供抵押款。

But most of us who actually need a mortgage cannot compete with the speed at which predatory speculators show up with all-cash deals.

但我们大多数真正需要抵押款的人无法与掠夺性投机者出现全现金交易的速度相提并论。

All those subprime mortgages increased their adjustable rates and thus millions of Americans that should never have had mortgages saw their monthly repayments increase.

所有那些次级抵押款提高了可调利率，因此数百万本不应拥有抵押款的美国人发现他们的月供增加了。

This time Americans have far less mortgage debt, but the sheer pace of price growth in residential housing suggests some buyers will face difficulties.

这一次美国人的抵押款债务要少得多，但住宅价格上涨的速度表明一些买家将面临困难。

It was a busy week for Mr Hunt, who persuaded British banks to give mortgage-holders who fall behind on their payments at least 12 months before repossessing their homes.

于亨特而言，这是忙碌的一周，他说服英国银行在收回房屋之前，给拖欠还款的抵押人至少12个月的时间。

With 45 billion pounds of unfunded tax cuts for the most wealthy, which swiftly crashed the economy, tanked the pound, and sent everyone's mortgages through the roof.

对最富有的人提供了450亿英镑的无资金来源的减税，这迅速导致经济崩溃， 英镑贬值，并使每个人的抵押款负担激增。

Over the past few years, the number of Russians taking out mortgages has soared, owing to a generous programme of state subsidies for buyers of new builds.

过去几， 俄罗斯人申请抵押款的数量激增，这归功于政府为购买新建住房者提供的慷慨补贴计划。

For people looking to get a mortgage on a home in a flood risk zone, the freeze of the program means they can't get flood insurance now.

对于那些希望在洪水风险区购房并申请抵押款的人来说，该项目的冻结意味着他们现在无法获得洪水保险。

It trickles out, and the people who sell mortgages and trade mortgages - they shift their expectations and what they're willing to buy and sell mortgages for.

它涓涓细流，出售抵押款和交易抵押款的人 - 他们改变了他们的期望以及他们愿意买卖抵押款的目的。