重要原因是按揭者利用低息进行固定利率贷款再融资(Refinancing Mortgage)，而这种 操作是需要房屋最多只能有80%-90%的LTV(Loan to Value ratio)，显然对于需要修订
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有了央行撒的这么多钱，银行对隔夜贷款收取的利率一直远远低于再融资利率，偶尔有几次猛涨(参见图表)。
With so much cash splashing around, the charge that Banks make for overnight loans has stayed well below the refi rate, with some occasional spikes (see chart).
利率将维持极低水平，帮助扩张信贷，以满足借款人支出和再融资贷款。
Interest rates will remain extremely low, helping overstretched borrowers to meet payments and to refinance loans.
对许多业主来说，还贷有窍门：在贷款利率接近历史最低点的时候，是最合适申请再融资的时候。
For many homeowners, there's an easier mortgage move: it's a great time to refinance, with rates near record lows.
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