目前，我国对个人住房贷款实行浮动利率制度，即商业银行每年根据市场利率情况对房贷利率进行相应的调整。

At present, China's floating interest rates on housing loans to individuals of the system, namely, commercial Banks in accordance with market interest rates on loans annually adjusted interest rate.

youdao

次级房贷包出的产品也比较宽松，还有采取浮动利率和只付利息的部份。

Subprime loans are also typically less stringent mortgage products with features such as adjustable-rate and interest-only.

youdao