它们能够以仅比国债利率高出那么一丁点的利息借钱，然后积累大量住房抵押贷款和住房抵押贷款债券，凭借市场利率赚钱。
They could borrow at an interest rate only a bit over the Treasury rate and then accumulate large portfolios of mortgages and mortgage-backed securities earning the market rate.
和信用卡相比较，就算信用卡年费利率为18%，也只是这种利息的一半，而且她可以把所购买的礼物当天拿回家。
In comparison, even a card with an 18 percent A.P.R. would charge only half as much interest - and she could take those presents home the same day.
没有保证利率，因为金额业主每个月偿还利息是根据再融资和违约的多少来定的。
There's no guaranteed interest rate, since the amount of money homeowners collectively pay back every month is a function of how many have refinanced and how many have defaulted.
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