New mortgages are being approved at half their pre-crisis rate, which means less business for retail banks.

现在的新房贷批准数仅为危机前数量的一半，这意味着零售银行业务的减少。

In Britain lenders briefly paused some new mortgage lending, owing to volatile interest rates.

在英国，由于利率波动，贷款机构暂停了一些新的抵押贷款。

In Sweden, such loans rose to more than 14% of new mortgage lending in 2021.

在瑞典，此类贷款在 2021 年上升至新增抵押贷款的 14% 以上。

So if you've got 400,000 outstanding, then they're taking a new mortgage of, say, 350 because they've got some savings.

因此，如果您有 400,000 未偿贷款，那么他们将获得新的抵押贷款，例如 350， 因为他们有一些积蓄。

Two out of every three new home mortgages today are still guaranteed by Freddie and Fannie, 68 percent of the market.

如今，每三个新住房抵押贷款中就有两个由房地美和房利美提供担保，占市场的 68%。

In America banks have stepped back from the mortgage market, with non-banks now providing more than half of new mortgage lending.

在美国，银行已经退出抵押贷款市场，非银行现在提供超过一半的新抵押贷款。

For most prospective buyers, the best time to commit to a new mortgage is not when the economy is in flux and your job could be at risk.

对于大多数潜在的购房者来说，最好的抵押贷款承诺时间不是在经济动荡和你的工作可能面临风险的时候。

Lower interest rates would make new mortgages more affordable, although they would be of little immediate assistance to existing borrowers, since mortgage refinancing is difficult in China.

较低的利率将使新抵押贷款更容易负担，尽管它们对现有借款人几乎没有什么直接帮助，因为抵押贷款再融资在中国很困难。

I mean, that sounds like you reached a real stalemate, but can you tell me what was the motivation for your ex not wanting to sign on the new mortgage?

我的意思是， 这听起来像是陷入了真正的僵局，但你能告诉我你的前任不想签署新抵押贷款的动机是什么吗？

In Canada, mortgages with a debt-to-income ratio of four-and-a-half times or greater—the measure Canada's central bank employs to assess risk—made up 27% of new mortgage lending at the start of this year.

在加拿大，债务收入比为四倍半或更高的抵押贷款（加拿大中央银行用来评估风险的指标）占今年年初新增抵押贷款的 27%。

And what was quite interesting when I did some on-ground reporting in Surrey is that the impacts of, say, for example, the Truss mini-Budget are just being felt, people who were just signing on to new mortgages.

当我在萨里做一些实地报道时， 非常有趣的是，例如，Truss 迷你预算的影响刚刚被人们感受到，他们刚刚签署了新的抵押贷款。