The default rate for CAP borrowers was only a quarter what it was for subprime mortgage holders, even though the incomes and backgrounds of borrowers were similar.
虽然借款人的收入与背景相似，但后者的违约率仅为前者的四分之一。
Lending institutions often charge interest on subprime mortgages at a rate that is higher than a conventional mortgage in order to compensate themselves for carrying more risk.
贷款机构通常会对次级贷款收取高于常规贷款的利息以便补偿他们承担的更大的风险。
Moreover, low saving rate and irrational overdraft consumption propel the subprime mortgage crisis.
低储蓄率和非理性的的透支消费助推了次贷危机。
Subprime loans are also typically less stringent mortgage products with features such as adjustable-rate and interest-only.
次级房贷包出的产品也比较宽松，还有采取浮动利率和只付利息的部份。
Subprime loans are also typically less stringent mortgage products with features such as adjustable-rate and interest-only.
次级房贷包出的产品也比较宽松，还有采取浮动利率和只付利息的部份。
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