一家大型商业银行的高层对记者表示，总的目的都是为了保证贷款安全、不被挪用，以及房价不被炒作。

Some senior management in a large commercial bank told journalists that the policies are intended to guarantee the safety of the loans and avoid misappropriation and real estate speculation.

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人们认为全国范围的房价总水平绝不会下跌，这一天真的想法鼓励了过度投机和宽松的借贷，从而导致了最终的房市坍塌。

A naive belief that house prices could never fall at the national level encouraged excessive speculation and lax lending, thereby precipitating an eventual collapse.

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格林斯潘预计，房价将从2月份的水平再度下跌10%，从高点以来的总跌幅将达到25%左右。

Mr Greenspan estimates that house prices will fall by another 10 per cent from their February levels, for a total peak-to-trough decline of roughly 25 per cent.

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They might put only 10% down on a house, so you buy a house for $300,000 and you put $30,000 down; that's an investment of $30,000 but it's highly risky because you are very leveraged when you only put 10% down.

他们也许只付了总房价的10%,若你买了30万的房子,但只交了3万,这是一笔3万元投资,但却是高风险的,只支付10%时,你的杠杆率就很高了

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