if rates fall, they can take out a new mortgage at a lower rate and prepay the old one (see chart).
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If Interest Rates Fall 如果利率下降
What seems clear is that if the economic weakness persists and inflation rates fall further, central Banks may become more willing to experiment.
可以确定的是，如果经济持续疲软和通货膨胀率进一步下降，央行可能更愿意尝试。
If, for example, you own a bond with a duration of four, then its value will go up about 4% if interest rates fall by a percentage point; the bond will lose about 4% if rates rise by one point.
举例来说，如果你持有的债券久期为4，那么利率下降1个百分点，该债券价值就会上升大约4%；而如果利率上升1个百分点，债券就会贬值4%。
If fiscal rectitude leads to lower interest rates, that could allow spending to fall still further.
如果财政清廉导致利率降低，那么也可能使支出进一步下降。
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