We assume each user individually chooses a set of codes each corresponding to a different rate option.

我们假设每个用户单独选定一组信道编码，其中每一个编码对应于一个通信速率选项。

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So taking out a loan against the property at a relatively low interest rate is an option.

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There is another wave of resets for option-rate mortgages and there are still many homeowners stuck with homes worth less than the mortgages covering them.

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Today borrowers are more likely to be in their early 60s (62 is the minimum age), and they are overwhelmingly (70%) choosing a fixed rate lump sum payment option.

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