尽管联邦基金利率目标已经远低于去年夏天的5.25%，按揭利率却依旧居高不下(见图2)。

Although the federal funds rate target is far below the 5.25% of last summer, mortgage rates are only a little lower (see chart 2).

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美联储直到1995年才开始公布其联邦基金利率目标，此前市场人士只能自己分析猜测。

Until 1995 the Federal Reserve did not even publish its target for the federal-funds rate: people in the markets had to work things out for themselves.

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美联储决策者本周二和周三将开会讨论联邦基金利率目标，该利率对借贷成本存在普遍影响。

Federal Reserve policy makers meet on Tuesday and Wednesday to discuss their target for the federal funds rate, which broadly influences borrowing costs.

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