但是，他们的苦难可能还没到头，比如当明年价值4750亿美元的可调节利率房贷转成更高利率的时候。

However, there could be more pain ahead, for instance when some $475 billion-worth of adjustable-rate mortgages switch to higher rates next year.

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在1954年一项国会法案之后，使得偿还期为30年的借贷方式才得以广泛采用，然而直到今天，由于众多的投资者不热衷这种长期投资，他们青睐的是采用可调节利率借贷。

The 30-year loan first became broadly available by an act of Congress in 1954 and, from then until now, the vast majority of such loans have been issued only with government support.

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为了影响需求，中央银行通过调节银行储备货币的供应来抬高或降低短期利率。

To influence demand, the central banks move a short-term interest rate up or down by adjusting the supply of bank reserves.

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