去年英格兰银行将基准利率下调到0.5%，贷方也随之降低了可变利率，于是浮动利率按揭使得很多借方的还款压力得到了舒缓。

Floating-rate mortgages last year reduced many borrowers' payment burden as the Bank of England dropped its base rate to 0.5% and lenders adjusted their standard variable rates downward in response.

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针对预定的债务偿还量，银行还会了解借方的收入情况。

A bank will look at the borrower's income relative to the proposed debt service payments.

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银行愿意贷款给借方的上限。

The maximum amount a bank is willing to loan a borrower.

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