有大额抵押贷款的借款人应选择固定利率。
这些国家的抵押贷款率逐渐采取浮动利率，然而，德国和法国的通常是固定不变的。
Mortgages are generally variable-rate in these countries, whereas they are fixed as a rule in Germany and France.
尽管利率上升，但是固定利率抵押贷款仍占所有新抵押贷款的一半。
Despite rising rates, fixed-rate mortgages still account for half of all new mortgages.
三分之二的抵押贷款的借款人有良好的信用记录和固定的利率，他们拥有的房产价值远高于他们的借款。
Two-thirds of mortgage borrowers enjoy good credit and a fixed interest rate and can depend on the value of their houses remaining far higher than their borrowings.
—固定利率抵押将使贷款人在利率上升的年份处境困难。
Fixed-rate mortgages have posed difficulties to lenders in years of increasing interesting rates.
英伦银行在今日发表的一份单独报告中指出，抵押贷款与定金之间的固定比率是25%，该利率已有两年保持不变。7月平均利率是3.77%，六月的比率是3.67%。
Theaverage rate on a two-year fixed-rate mortgage with a 25 percent deposit was3.77 percent in July, compared with 3.67 percent the previous month, the Bankof England said in a separate report today.
这也部分反映出了美国人对可以免罚金提前付清的30年期固定利率抵押贷款的偏爱，而这种贷款正是银行很难进行风险对冲资产。
That partly reflects Americans' preference for 30-year fixed-rate mortgages that can be pre-paid without penalty-a difficult sort of asset for Banks to hedge.
这是一个非常好的消息，因为如果你正想通过30年固定利率抵押贷款的方式买一幢住宅，你的抵押贷款利率将下降约0.75%。
If you were looking at buying a house with a nice, stable thirty year fixed mortgage, this is amazing news because your mortgage rate will drop around 0.75%.
房地美对于标准类抵押信贷利率的每周调研显示，8月26日当周15年期固定利率抵押贷款的平均利率是3.86%。
The average rate on a 15-year fixed-rate mortgage was 3.86% for the week ending August 26, according to Freddie Mac's weekly survey of conforming mortgage rates.
这些措施还要求短期抵押贷款(目前利率低)的申请者能符合5年期固定利率贷款的较高收入标准。
The measures will also require applicants for short-term mortgages at today's low rates to meet the higher income standards needed for a five-year, fixed-rate loan.
可调利率抵押贷款的期限很长，也许会长达30年，但是利率在30年间并不是固定的。
Adjustable rate mortgages have a long term -they might last for thirty years -but the interest rate is not fixed for the whole thirty years.
1945年第二次世界大战结束，并在随后一年出现婴儿潮，这种30年的、固定利率的抵押贷款成了社会基石，社会群体最大化地出现空前多的私房房主。
When World War II ended in 1945 and the Baby Boom began the following year, the 30-year, fixed-rate mortgage became a cornerstone of society and led to unprecedented levels of homeownership.
选择固定利率的抵押贷款。
美国住房抵押贷款主要采用固定利率等额还款方式，因而利率上升带来的延展风险是美国商业银行关注的焦点；
In the United States, the fixed-rate, level-payment mortgage is the most popular way, which gives rise to extension risk, the focus of American commercial banks.
浮动利率的抵押贷款坏账率最高，这种贷款承诺在前几年实行固定低利率。
Defaults are highest for adjustable-rate mortgages - loans that promised a low, fixed-interest rate for the first few years.
在西班牙，80%的抵押贷款是只按一年的短期利率确定的，而在欧元区，60%的抵押贷款都是按一至五年期固定的利率发放的。
In Spain, 80% of mortgages are fixed at short-term rates for one year only, while in the Eurozone, 60% of mortgages are at rates fixed for a period of between one and five years.
比如，美国基本上是从上世纪六七十年代就执行的是固定利率抵押贷款制度。
For example, the United States is basically from the last century in the '70s, on the implementation of the fixed rate mortgage system.
我以我的新居为抵押得到了一笔固定利率的按揭贷款。
我以我的新居为抵押得到了一笔固定利率的按揭贷款。
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