如果利率下降了很多，你无法摆脱的预付处罚可能值得滚动，向着新的贷款金额。
If interest rates have dropped a lot, and you can't get out of the prepayment penalty, it may be worth rolling that amount into a new loan.
如果财政清廉导致利率降低，那么也可能使支出进一步下降。
If fiscal rectitude leads to lower interest rates, that could allow spending to fall still further.
如果官方借贷利率下降，却不能透过银行这张网施益于借款人，那么央行将再次无能为力。
Once again central bankers can do little if falling official interest rates do not filter through to borrowers.
如果房主们没有受惠于住房按揭贷款下降的利率的话，情况还会更糟糕。
The decline might have been worse had homeowners not benefited from the sharp fall in mortgage rates.
如果中东局势失控，并且利率上升，那么我们将陷入螺旋下降中无法自拔。
If something collapses in the Middle East and interest rates go up we have the potential to go on a downward spiral that we cannot get out of.
纽约梅隆银行的首席经济学家侯伊说：“如果房贷利率再下降，对经济会产生巨大好处。”
"If we get mortgage rates down that is going to have a great deal of beneficial effect on the economy," said Richard Hoey, the chief economist at the Bank of New York Mellon.
如果人们对于通胀的预期在增加(这也绝不是没有可能)，那么实际利率将会下降来刺激市场需求。
If people's expectations of inflation rose (which is by no means assured), then real interest rates would fall, boosting demand.
举例来说，如果你持有的债券久期为4，那么利率下降1个百分点，该债券价值就会上升大约4%；而如果利率上升1个百分点，债券就会贬值4%。
If, for example, you own a bond with a duration of four, then its value will go up about 4% if interest rates fall by a percentage point; the bond will lose about 4% if rates rise by one point.
如果通货膨胀率反而下降到1%，实质利率则从3%上升至4%，增加了还款的负担。
If instead inflation falls to 1%, the real interest rate rises from 3% to 4%, increasing the burden of repayment.
如果实际利率继续下降，那么将来再次降低利率的做法将会毫无效力可言，因为那时无论如何变动都不会影响到银行的贷款成本。
If it persists, any decisionto lower the target further would be meaningless since it would notaffect the rate banks actually pay.
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%.
储户可以承受少额的存储费用，但如果利率持续下降，他们将寻求其他方式以避免缴纳这一费用。
Savers might stomach a modest fee for making bank deposits, but as rates go deeper into negative territory, they will find ways to avoid charges.
大多数专家说如果按揭利率确实持续下降，房价有可能会回升。
Most experts say that if mortgage rates do go lower, home prices are likely to recover.
一个相关问题：如果因为经济形势(比如：央行利率变化)造成所有借款人的贷款利率上升或下降，那么会怎样呢？
A related issue: what happens if the interest rates for all borrowers move higher or lower, due to developments in the economy (eg a change in central bank interest rates)?
不过，如果出现一波疲软数据，则利率预期有望下降并推低英镑。
However, if we get a spate of weak data this could signal a move lower in rate expectations and spur weakness in sterling.
为进一步阐明这点，如果某公司在一年内因利率下降了1%而获得了丰厚的好处，那么如果利率上涨了1%可能会发生什么事情呢？
To further illustrate this point, if a company made a good profit in one year because interest rates fell by 1%, what may have happened if they went up by 1%? This is where hedging can help.
他表示：“如果房贷利率再下降，对经济会产生巨大好处。”
If we get mortgage rates down that's going to have a great deal of beneficial effect on the economy.
他表示：“如果房贷利率再下降，对经济会产生巨大好处。”
If we get mortgage rates down that's going to have a great deal of beneficial effect on the economy.
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