有时，他们可以再晚一些从保单里取出钱，当孩子24-27岁时，也许当孩子结婚时该用这些钱付房贷首付。
Sometimes they choose to redeem it later, when the child is between 24 and 27 - at that time, the child might use the money as a down payment on a property when they marry.
最后，这个分析里假设所有银行的房贷都要求20%的首付，这是肯定不可能的。
Finally, this analysis assumes that all Banks will require 20% down on all mortgages, which is highly unlikely.
他会为大约15%的初次购房者提供比较低首付的住房贷款。
It will continue to provide somewhere around 15% of new home buyers lower down payment mortgages.
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