住宅购买者也是这个链条的一部分，特别是还存在一些绕过正式分期付款的限制完全用贷款买房的人。
Homeowners are part of this coalition too, especially the substantial number who are circumventing official downpayment requirements and buying houses with 100% debt.
“负分期付款”抵押借款甚至可允许人们每月仅付部分利息，并将剩余部分加到贷款本金中，增加的是其贷款额，并不是存款额。
"Negative amortisation" (neg-am) mortgages even let people pay only part of their interest each month and to add the rest to the principal, increasing their debt, not their savings.
然而，贷款赎回金额通常包括初步贷款金额，较小的分期付款金额已经买了，再加上总感兴趣。
However, the loan redemption amount generally consists of the initial loan amount, less the instalment amounts already paid for, plus the total interest.
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