资产增值抵押贷款（Mortgage Equity Withdrawal）：将通过抵押贷款购得的 住房进行再抵押，来释放房价攀升所得的收益。
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通过资产增值抵押贷款 Mortgage Equity Withdrawal ; MEW
美国消费者支出前景走弱，乃是因为随着房地产市场进一步降温，资产增值抵押贷款市场出现了崩盘。
The softening in the outlook for us consumer spending is due to a collapse in mortgage equity withdrawal as the housing market slowdown has intensified.
除了这类“被动”的资产增值抵押贷款（equity withdrawal）外，美国人利用房产以外的东西积极获得资金的程度相对较低，不过也占到近6%的可支配收入（再次参见上图）。
Exclude this type of "passive" equity withdrawal, and the pace at which Americans have been actively taking money out of their houses is lower, close to 6% of disposable income (again, see chart).
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