准则包括你的欠款金额，付款历史，以及信用历史。
Criteria include the amount you owe, payment history, and credit history.
这里的目的是要所有的人的信用卡欠款金额一、公司于四月率0%。
The objective here would be to have all the person's outstanding debt payable to one credit card company and at a 0% APR rate.
大约250万房屋处在收房过程中，1100万(接近所有抵押贷款房屋的25%)房屋价值是“缩水”的：借款者欠款金额大于房屋的实际价值。
Around 2.5m homes are in the process of repossession, and 11m (or nearly 25% of all homes with mortgages) are "underwater" : borrowers owe more on their mortgage than their houses are worth.
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