But since the start of 2004, the share of fixed-rate loans being taken out has risen from 30% to 70%.

但自从2004年初，固定利率贷款的份额从30%上升到70%。

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Ninety-five percent of borrowers who did refinance in the second quarter chose fixed-rate loans, Freddie Mac said.

第二季度百分之九十五再融资借款人选择固定贷款率，Frddie Mac说。

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It is recommended that a borrower should always opt for fixed rate mortgage loans.

这是建议，借款人应始终选择固定利率的按揭贷款。

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One issue, notes Ms. Thibos, is fixed-rate loans can be more profitable for lenders.

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He found that the availability of discounted variable-rate deals crowded out comparatively expensive longer-term fixed-rate loans.

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Variable-rate loans have lower initial rates than fixed-rate loans but can be more costly if interest rates rise.

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