The danger is that a downturn in the housing market will prompt a snap-back in the saving ratio as consumers borrow and spend less.

危险的是住房市场的下跌会由于消费者借钱和花钱都更少而造成储蓄率的突然升高。

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Banks are cautious about lending, in part because they have been hurt badly in the housing downturn and financial-market turmoil, but also because lending is riskier during a downturn.

银行对于贷款很谨慎，一部分原因是在房地产危机和金融市场混乱中的得到的教训。

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Five-star: the downturn in the real estate market in Merced has presented an unusual housing opportunity for thousands of students.

五星级：默塞德市房地产的低迷为学生创造一个罕见的住房机会。

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However,the housing market continued to suffer its worst downturn in generations.

VOA: special.2010.01.01

LendingTree.com, a large U.S. mortgage lender, was hit by the downturn in the housing market.

FORBES: Magazine Article

As a result, consumption should take less of a knock from the downturn in the housing market.

ECONOMIST: The Bank dampens hopes of interest-rate cuts

Closer to home, the Bank of England is not expecting a pronounced downturn in the housing market.

ECONOMIST: Economic troubles: When the credit dries up | The