目前普通项目上，放贷者可以根据自己能接受的费用来定价：比如在放款前数周或数月，自己“内定”利率。
Lenders could charge fees for popular features now taken for granted, like the ability to "lock in" an interest rate weeks or months before taking out a loan.
低利率也许可以提倡更理智的借款，即便放款者已经由于自己卤莽的放款而信心受挫。
Lower rates may encourage more sensible borrowing, even if they discourage reckless lending.
为了避免这种麻烦，你可以使用互联网，并且只搜索在网上放款。
To avoid this trouble you can use the Internet and confine your search among the online lenders.
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