房价下降和抵押贷款拖欠率上升已减缓了美国经济增长。
Falling house prices and rising mortgage delinquencies have slowed U. S. economic growth.
估计按揭贷款拖欠率（逾期还款60日及以上）比2007年同期上涨了54%。
Mortgage-loan delinquency (ratio of borrowers 60 or more days past due) has risen approximately 54 percent from the same quarter of 2007, estimates TransUnion.com.
根本上，这是关于两个基本主要变量(总利率和贷款拖欠率)之间的差的问题。
Fundamentally, it's an issue of the spread between two basic, primary variables: a gross interest rates and b default rates.
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