It's common in some countries outside of the U.S. Expanding mortgage assumability is another option.

这在美国以外的一些国家很常见。扩大抵押贷款可承担性是另一种选择。

And assumability is only available right now for some mortgages in the U.S. But Julia also points out that the 30-year fixed-rate mortgage has a lot of advantages for borrowers.

目前，在美国，可承担性仅适用于部分抵押贷款。但朱莉娅也指出，30 年期固定利率抵押贷款对借款人来说有很多优势。