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.
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。
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.
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。
But there are two worrying exceptions. In Ireland and Spain home prices are the most overvalued in the zone; worse, the bulk of mortgages are at variable rates.
但这里有两个例外令人不无担忧：爱尔兰和西班牙是本区内房价被高估程度最高的地区；更糟的是，其抵押贷款按浮动利率计算。
Mortgages are generally variable-rate in these countries, whereas they are fixed as a rule in Germany and France.
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。
Before the crisis, around half of mortgages were at variable interest rates; by the end of last year, the share had risen to 69%.
在危机发生之前，约有一半的抵押贷款按浮动利率；到去年年底，这一比例已经升至69%。
Britons are much more likely to have variable-rate mortgages than Americans, so they have benefited more extensively from the sharp fall in short-term interest rates.
英国人比美国人更有可能实行浮动抵押贷款利率，因此他们就会从急剧下降的短期利率中大量获利。
Spain’s banks are exposed to Portugal; the Spanish economy is vulnerable to rising interest rates because most household mortgages are variable-rate.
西班牙的银行业亦卷入葡萄牙的危机，由于多数住房抵押贷款系浮动利率，因而加息极易使葡萄牙经济受创。
Spanish home prices have nearly quintupled over the past decade, and most buyers have variable-rate mortgages.
西班牙房屋价格过去10年增长了五倍，大多数买家在用利率不定的抵押贷款。
Such buoyancy can largely be attributed to a combination of low interest rates and a preponderance of variable-rate mortgages.
楼市呈现如此繁荣景象，很大程度上应归功于低利率和浮息按揭的优势。
Many lenders were yesterday highlighting moves to reduce the cost of so-called "standard variable rate" mortgages in the wake of the cut in interest rates.
央行降息后，许多机构昨日也降低其所谓的“标准可变利率”按揭贷款的成本。
Worse, the bulk of mortgages are at variable rates.
更为糟糕的是，大量的抵押贷款利率变化无常。
Worse, the bulk of mortgages are at variable rates.
更为糟糕的是，大量的抵押贷款利率变化无常。
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