来自《耶鲁大学开放课程：金融市场 第12集 第12集》

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  --but the interest rate is not fixed for the whole thirty years.
  但是利率在30年间并不是固定的
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  A typical ARM is two and twenty-eight,
  典型的可调利率贷款是"二加20八年"
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  which means that it has a low teaser rate for two years
  意味着它在头两年有一个很低的引诱利率
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  --a teaser, that they call it--
  引诱 他们这么叫它
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  and then rates that go up after two years
  然后利率在两年之后升高
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  and then tied to some other benchmark rate of interest,
  接着再与其他基准利率挂钩
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  like the Treasury bill rate.
  比如国库券利率
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  The problem is then that these were sold to low-income people,
  问题是贷款在一开始是发放给低收入人群
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  in many cases, who didn't understand what they were getting
  很多情况下 那些人并不理解这种贷款
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  and that after two years the interest rate would reset up.
  或者说他们不知道利率在两年后会重设
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  So we would see resets after two years
  因此我们会看到两年之后
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  to a much higher level and some of these people would discover
  当利率提到一个很高的水平时