如果你是初次买房，就要开始作为贷款人货比三家，去申请住房贷款的预先审核。
If you're a first-time buyer, start the process by shopping around for a lender and applying to get pre-approved for a home loan.
不管怎样，是银行不愿借款的行为才使住房市场到这样的地步，而不是买房者不想买房。
In any case, it is Banks' reluctance to lend, not a buyers' strike, that has the housing market on its knees.
全部或部分购买住房，然后返租给买不起房的人，议会和住房协会将能够以这种方式来帮助身处困境的买房者。
Councils and housing associations will be able to help struggling homeowners by buying all or part of their homes and leasing them back.
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