一方面，当前联邦借贷利率非常低，因此削减开支对降低未来利息成本的作用很小。
On one side, interest rates on federal borrowing are currently very low, so spending cuts now will do little to reduce future interest costs.
有些银行中止按揭借贷，有些则提高利息，剩余的索取额外收费或在贷款申请过程中增加保证金。
Some have suspended mortgage lending, some charge higher rates and others ask for extra fees or large supplemental deposits from loan applicants.
实际上，这样做法是让借贷者偿还比常规贷款更多的利息，常规贷款利息一般在7或8个百分点。
The practical effect is that the borrower pays a much higher interest rate than the official, heavily regulated interest rate for loans, usually 7 or 8 percent.
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