利率贷款（ Fixed Rate Mortgage, FRM） ，而国内目前的住房抵押贷款 大部分为浮动利率贷款（ Adjusted Rate Mortgage, ARM）。标的资产现金流的差异使国内 CDOs产品的利率多为与 某一基准利率 (人民银行基准利率 )挂钩的浮
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Delinquencies on American mortgage loans are still rising: the seasonally adjusted rate in the first quarter was higher across all categories.
美国房屋抵押贷款违约率依旧在上升：第一季度的季节性调整利率仍然是所有类别中较高的。
He refinanced his mortgage at a rate that adjusted sharply upward, and afterward he lost one of his jobs.
他以会大幅调整上升的利率做了抵押再融资，可后来他丢了一份工作。
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