尽管可变按揭利率的浮动很小(据加拿大央行规定，只有1.75%)，贷款者必须符合贷款资格标准才能获得五年固定利率按揭的资格。

And even though variable mortgage rates are low (just 1.75%, according to the Bank of Canada), borrowers must meet the creditworthiness standards required for a five-year, fixed-rate mortgage.

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去年英格兰银行将基准利率下调到0.5%，贷方也随之降低了可变利率，于是浮动利率按揭使得很多借方的还款压力得到了舒缓。

Floating-rate mortgages last year reduced many borrowers' payment burden as the Bank of England dropped its base rate to 0.5% and lenders adjusted their standard variable rates downward in response.

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首先爱尔兰和西班牙的房价是整个欧元区高估最严重的；其次，雪上加霜的是，大部分按揭贷款都以可变利率维系，而其他地区，按揭利率大多都是固定不变的。

In Ireland and Spain home prices are the most overvalued in the zone; worse, the bulk of mortgages are at variable rates. Elsewhere, most mortgage rates are fixed.

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