首先出炉的是可调利率房贷(Adjustable Rate Mortgage, ARM)。这ARM 90年代初就有，但都是一年固定，以后就随市场浮动。
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可调利率住房抵押贷款 AdJustable-taremortgages
他指出，利率可调型房贷在生活水平较高的城市更为普及，这一趋势在联邦利率下降之后变得更为明显。
He points out that adjusting table-rate mortgages were used much more inexpensive cities, a trend that became more pronounced as the fund rates fell.
但是，他们的苦难可能还没到头，比如当明年价值4750亿美元的可调节利率房贷转成更高利率的时候。
However, there could be more pain ahead, for instance when some $475 billion-worth of adjustable-rate mortgages switch to higher rates next year.
该计划旨在通过直接给部分人提供二次贷款，给120万左右的次级房贷贷款者提供可调整利率的贷款。
The plan aims to help 1.2m subprime borrowers with adjustable rate loans by fast-tracking those who can be refinanced.
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