No one is expecting that mortgage rates will suddenly plummet to those pre-pandemic levels.

没有人认为抵押贷款利率会突然暴跌至疫情前的水平。

People who own a home with a fixed-rate mortgage might be partially insulated from that.

拥有固定利率抵押贷款房屋的人可能会一定程度上免受这种影响。

So what should people with a mortgage make of all this?

那么有抵押贷款的人应该如何看待这一切呢？

I've talked a lot about people who have mortgages.

我已经谈过很多有抵押贷款的人。

But 68 percent have no mortgage.

但 68% 的人没有抵押贷款。

Forty-two per cent of people who took a mortgage two years ago took a two-year fixed.

两年前申请抵押贷款的人中有分之四十二选择了两年期固定贷款。

Well, people who are struggling with rising mortgage payments, as we've said, are also very worried.

好吧，正如我们所说， 那些正应对不断上涨的抵押贷款付款的人也非常担心。

And so that's painful for everyone who has a mortgage, which is a decent proportion of the people in this country.

所以这对每个有抵押贷款的人来说都是痛苦的，这这个国家的人口中占相当大的比例。

Now that might be unwelcome news for anyone with a mortgage, but there's better news for those of us with cash savings.

现，对于任何有抵押贷款的人来说， 这可能是个不受欢迎的消息，但对于我们这些有现金储蓄的人来说， 这是个好消息。

Now Andrew, I think the first message for those who are coming to the end of a fixed-rate mortgage is be prepared.

现安德鲁， 我认为对于那些即将结束固定利率抵押贷款的人来说， 第一个信息是做好准备。

But most of us who actually need a mortgage cannot compete with the speed at which predatory speculators show up with all-cash deals.

但我们大多数真正需要抵押贷款的人无法与掠夺性投机者出现全现金交易的速度相提并论。

Another example are people who take out a mortgage that's just slightly affordable, as long as they keep earning what they earn, working stressful jobs.

另一个例子是那些获得稍微负担得起的抵押贷款的人，只要他们继续赚取收入，从事压很大的工作。

This time Americans have far less mortgage debt, but the sheer pace of price growth in residential housing suggests some buyers will face difficulties.

这一次美国人的抵押贷款债务要少得多，但住宅价格上涨的速度表明一些买家将面临困难。

And we realised that a lot of these folks with these toxic mortgages were not going to be able to refinance because they were underwater.

我们意识到，许多持有有毒抵押贷款的人无法进行再融资，因为他们的负债累累。

It was a busy week for Mr Hunt, who persuaded British banks to give mortgage-holders who fall behind on their payments at least 12 months before repossessing their homes.

于亨特而言，这是忙碌的一周，他说服英国银行收回房屋之前，给拖欠还款的抵押人至少12个月的时间。

Now, for the last part of the show, let's focus on providing some practical tips for those who are trying to nab the best mortgage deal.

现，节目的最后一部分，让我们专注于为那些试图获得最佳抵押贷款交易的人提供一些实用技巧。

So anybody who has a mortgage whose rate is due to expire fairly soon is trying to lock into that rate as quickly as they can.

因此，任何拥有利率即将到期的抵押贷款的人都会试图尽快锁定该利率。

Now Andrew, as things stand right now, what's the best deal that somebody buying a property and then somebody remortgaging a property might be able to secure?

现安德鲁， 就目前的情况而言，有人购买房产然后再抵押房产的人可能获得的最佳交易是什么？

It trickles out, and the people who sell mortgages and trade mortgages - they shift their expectations and what they're willing to buy and sell mortgages for.

它涓涓细流，出售抵押贷款和交易抵押贷款的人 - 他们改变了他们的期望以及他们愿意买卖抵押贷款的目的。

Now, for the last part of the show, let's focus on providing some practical tips for those who are trying to nab the best mortgage deal now.

现，节目的最后一部分，让我们专注于为那些现正试图获得最佳抵押贷款交易的人提供一些实用技巧。