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一学派认为，即使在负权益的情况下，如果可以负担还款，大部分房主将不会违约。

One school thinks that, even in cases of negative equity, most homeowners will not default if they can afford the payments.

youdao

你每月还款的利息当中有一部分是银行与汽车经销商分成的，因此他们会非常乐于让你确信，你的信贷级别不够高，所以无法获得更低的贷款利率。

Part of the interest you pay is Shared with the dealership, so they might be pleased to confirm your belief that you don't qualify for a low interest rate.

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