而这种合法有效的服务方式大多数可以以比较优惠的价格获得。

While this can be a legitimate and useful service, much of it can be obtained more cheaply.

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当通货膨胀的程度较低时，首付款会比较优惠，但实际债务会长期存在。在以后的日子里这些债务会增加很多成本。

When inflation is low, the initial payments are more bearable but more of the real debt persists, which shunts a bigger share of the costs into the later years of the loan.

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但对于消费者而言，分散的网站使得搜索最优惠产品比较困难。

But, for consumers, this made it difficult to find the best deals.

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