有时，他们可以再晚一些从保单里取出钱，当孩子24-27岁时，也许当孩子结婚时该用这些钱付房贷首付。
Sometimes they choose to redeem it later, when the child is between 24 and 27 - at that time, the child might use the money as a down payment on a property when they marry.
最后，这个分析里假设所有银行的房贷都要求20%的首付，这是肯定不可能的。
Finally, this analysis assumes that all Banks will require 20% down on all mortgages, which is highly unlikely.
他会为大约15%的初次购房者提供比较低首付的住房贷款。
It will continue to provide somewhere around 15% of new home buyers lower down payment mortgages.
这就又提出了10%的借贷者，也就意味着最多有54%的人需要面对20%首付的住房贷款。
This shaves off about another 10% of borrowers, which means only the top 54% of wage earners would face 20% down payments, at most.
在金融政策上，买家的房贷利率、首付比例都已经出现了大幅优惠，开发商的信贷也得到了支持。
In the financial policy, the buyer's mortgage interest rates, down payment have already emerged in the proportion of substantial concessions to developers of credit is also supported.
银行和金融公司开始提供次级住房贷款，第一年零首付，使低收入家庭也能购买房子。
Banks and financing companies began to offer subprime mortgage loans and induced low income families to purchase houses by waiving principal payments for the first few years.
在中国，购房人支付的首付款最低要达到购房款的30%，而美国在信贷泡沫期间，许多人购房可以享受零首付，他们的收入根本不足以偿还房贷。
In China, houses are bought with a minimum 30% down. In the us, during the credit boom, many people were paying 0% down with no income to back it up.
在中国，购房人支付的首付款最低要达到购房款的30%，而美国在信贷泡沫期间，许多人购房可以享受零首付，他们的收入根本不足以偿还房贷。
In China, houses are bought with a minimum 30% down. In the us, during the credit boom, many people were paying 0% down with no income to back it up.
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