摩根大通说，虽然首付比例越高意味着每月按揭还款额越少，但只要分母仍为家庭收入中值，住房负担能力的改善就具有一定的欺骗性。
'While lower LTVs means lower mortgage payments, the improvement in affordability is deceptive, says JPM, as long as' the denominator remains median income of households.
摩根大通说，虽然首付比例越高意味着每月按揭还款额越少，但只要分母仍为家庭收入中值，住房负担能力的改善就具有一定的欺骗性。
'While lower LTVs means lower mortgage payments, the improvement in affordability is deceptive, says JPM, as long as' the denominator remains median income of households.
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