方案一是重新募集现有贷款变为新的抵押贷款；
One way is by refinancing an existing loan into a new private mortgage.
贷款需求下降一定程度上也反映出消费者疲于偿付现有贷款。
The slower demand for credit also partly reflects consumers' struggles to meet current loan obligations.
3月24日星期二，基金组织宣布提高现有贷款产品的借款下限。
On Tuesday March 24th it announced increased borrowing limits on existing loan instruments.
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