该集团表示，30年按揭贷款平均签约利率降至4.75%。

The average conforming 30-year fixed mortgage rate dropped to 4.75%, the research group said.

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该集团表示，它认为回报率能达到4%，而目前市面上的回报率为1%。

The group says it believes it could offer 4 per cent returns, compared with the 1 per cent currently available.

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减少废气排放的单边行动在推广过程中，或许会“产生无法逆转的变革潮流，”该集团表示。

The proliferation of unilateral efforts to reduce emissions may "create an irresistible momentum for change", it says.

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