Many consumer loan rates, however, are pegged to banks' prime rate. That rate, in turn, is tied to the Federal Reserve's benchmark short-term rate, which remains near zero.

然而很多消费者贷款利率是与银行的优惠利率挂钩，这优惠利率又是紧盯美联储的短期基准利率，这一利率持续接近于0。

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de facto rise of 20%-25%in consideration of the actual home loan interest rate which was adjusted to 10%-15% below the benchmark interest rate by most banks in the past.

另一方面，第二套房的贷款利息由基准利率上浮10%，考虑到过去多家银行已将实际住房贷款利率调整为基准利率下浮10%-15%，新的贷款利率实际增长了20%-25%。

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Many consumer loan rates, however, are pegged to Banks' prime rate.That rate, in turn, is tied to the Federal Reserve's benchmark short-term rate, which remains near zero.

然而很多消费者贷款利率是与银行的优惠利率挂钩，这优惠利率又是紧盯美联储的短期基准利率，这一利率持续接近于0。

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