他们注意到，房市跌入最低谷通常需要花费数年时间，同时高房价也吓退了许多计划买房的购房者。

They note that housing downturns often take several years to hit bottom, and that high prices have sidelined many would-be buyers.

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很难说这个帮助窘迫负债者的计划是错误的，然而许多人质疑能不能准确判断进入低迷市场的首次购房者是真的还是假的。

While the schemes to help debtors in distress are harder to fault, many question the wisdom of coaxing first-time buyers into a falling market.

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美联储抵押贷款担保证券收购计划到期后，购房者的付款率已出现激增。

The end of the Federal Reserve’s scheme for purchasing mortgage-backed securities has already led to a jump in the rates paid by homebuyers.

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