但是，能够获得30年期固定利率抵押贷款的人数目会大大增加。

But it would also mean that more people could still get 30-year, fixed-rate mortgages.

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房地美对于标准类抵押信贷利率的每周调研显示，8月26日当周15年期固定利率抵押贷款的平均利率是3.86%。

The average rate on a 15-year fixed-rate mortgage was 3.86% for the week ending August 26, according to Freddie Mac's weekly survey of conforming mortgage rates.

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这也部分反映出了美国人对可以免罚金提前付清的30年期固定利率抵押贷款的偏爱，而这种贷款正是银行很难进行风险对冲资产。

That partly reflects Americans' preference for 30-year fixed-rate mortgages that can be pre-paid without penalty-a difficult sort of asset for Banks to hedge.

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