但笔者暂时仍以反弹市处之，资料显示，美国的可调息按揭(Adjustable Rate Mortgage)，尚有大量要在未来数年重订息率。换句话说，尚有大批原本没条件买楼的人，要面对调升供楼息率的现实。
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其中可调息按揭的缺点就是它们通常卖给那些没有经验的人处理。
One of the disadvantages to adjustable rate mortgages is that they are often sold to people who are not experienced in dealing with them.
你自己在申请抵押贷款时可能不会说谎，可能也不会押宝去赌一把极具风险性的可调息按揭，也不太可能在拉斯维加斯和迈阿密购置好几处公寓。
Of course, you personally may not have lied on a mortgage application. You may not have gambled on a risky adjustable mortgage. You may not have bought a handful of condos in Las Vegas or Miami.
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