放贷成本增加使得房贷公司不堪重负，它们急切地挖掘新的收入来源，并且找到了两个：信用更差的借款人和风险更高的借贷产品。
Saddled with expensive lending platforms, mortgage-writers were desperate for a new source of revenues. They found two: riskier borrowers and riskier products.
所有人都会赞同，增加放贷和扩大建设遇到了一个尴尬的事实，即当生产加快时，成本就会上升。
All can agree that increased lending and building ran into the awkward fact that costs increase when production is stepped up.
因耐克称，令人担心的问题是，由于筹集资金的成本较以前大大增加，因而银行对发放贷款消极了很多。
'the concern is that Banks are far less willing to lend now due to the far higher cost of funding,' M s. Ineke said.
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