Okay, look. If home prices don't go up,

听我说 如果房价不涨了

And you'll be stuck paying whatever your monthly payment is

等到利率优惠期一过

No, actually...

其实...

I've been informed that you suffer from congenital heart failure.

我已经得知你患有先天性心脏病

But, the assumption was, well,

不过 如果假设

you get a new one.

你则得到了一个新贷款

Half of them take advantage to refinance.

一半的人借此重新贷款

So now you've only got half the people left.

所以现在你只有一半的人留下

You go to a bank and say,

你去跟银行讲

They're asking me to pay $5,000; I don't have $5,000.

他们让我还5000美元但我没有