I've talked a lot about people who have mortgages.

我已经谈过有抵押贷的人。

But 68 percent have no mortgage.

但 68% 的人没有抵押贷。

So what should people with a mortgage make of all this?

那么有抵押贷的人应该如何看待这一切呢？

Well, people who are struggling with rising mortgage payments, as we've said, are also very worried.

好吧，正如我们所说， 那些正在努力应对不断上涨的抵押贷付的人也非常担心。

Forty-two per cent of people who took a mortgage two years ago took a two-year fixed.

两年前申请抵押贷的人中有百分之四十二选择了两年期固定贷。

Now Andrew, I think the first message for those who are coming to the end of a fixed-rate mortgage is be prepared.

现在安德鲁， 我认为对于那些即将结束固定利率抵押贷的人来说， 第一个信息是做好准备。

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

但我们大数真正需要抵押贷的人无法与掠夺性投机者出现全现交易的速度相提并论。

And so that's painful for everyone who has a mortgage, which is a decent proportion of the people in this country.

所以这对每个有抵押贷的人来说都是痛苦的，这在这个国家的人口中占相当大的比例。

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贷的人，只要他们继续赚取收入，从事压力大的。

Now that might be unwelcome news for anyone with a mortgage, but there's better news for those of us with cash savings.

现在，对于任何有抵押贷的人来说， 这可能是个不受欢迎的消息，但对于我们这些有现储蓄的人来说， 这是个好消息。

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贷债务要少得，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，给拖欠还的抵押人至少12个月的时间。

So anybody who has a mortgage whose rate is due to expire fairly soon is trying to lock into that rate as quickly as they can.

因此，任何拥有利率即将到期的抵押贷的人都会试图尽快锁定该利率。

Now, for the last part of the show, let's focus on providing some practical tips for those who are trying to nab the best mortgage deal.

现在，在节目的最后一部分，让我们专注于为那些试图获得最佳抵押贷交易的人提供一些实用技巧。

Now Andrew, as things stand right now, what's the best deal that somebody buying a property and then somebody remortgaging a property might be able to secure?

现在安德鲁， 就目前的情况而言，有人购买房产然后再抵押房产的人可能获得的最佳交易是什么？

Now, for the last part of the show, let's focus on providing some practical tips for those who are trying to nab the best mortgage deal now.

现在，在节目的最后一部分，让我们专注于为那些现在正试图获得最佳抵押贷交易的人提供一些实用技巧。

In " The Colour of Law" (2017), Richard Rothstein chronicled the prejudiced governmental programmes that denied mortgages to African-Americans and contributed to urban segregation, which still blights opportunity today.

在“法律的色彩” （2017 年）中， 理查德·罗斯坦 (Richard Rothstein) 记录了带有偏见的政府项目， 这些项目拒绝向非裔美国人提供抵押贷， 并助长了城市隔离，这种情况至今仍在破坏机会。

So for a bit of context here, there had been signs of rising social instability after hundreds of thousands of people over the past year have been boycotting their mortgages.

因此，这里有一点背景， 在过去一年数十万人抵制抵押贷后， 社会不稳定的迹象已经出现。

Now, we know that Rishi Sunak and Jeremy Hunt have ruled out direct help but beyond, say, funding more debt advice, what else could they do to help people with mortgages?

现在，我们知道里希·苏纳克和杰里米·亨特已经排除了直接帮助的可能性，但除了为更债务建议提供资之外， 他们还能做些什么来帮助有抵押贷的人呢？

And for anyone worried about their mortgage, Claer's next episode of her podcast FT Money Clinic has put together a really handy practical guide, so I'd recommend tuning in to that.

对于任何担心抵押贷的人来说，克莱尔的播客 FT Money Clinic 的下一集整理了一个非常方便的实用指南，所以我建议您收听。