外刊逐句精读｜《金融时报》：90岁还要还房贷？英国房贷新趋势｜CATTI一...
红色：主句 蓝色：从句 黄色：从句连词、关系代词 灰色：插入语、例句、同位语 绿色：长难句分析 紫色：词根词缀 （）：修饰成分，包括定语、状语等 下划线：词汇词组 高亮：连词
思考题：
有哪些相关表达？
Mortgages: working for longer
按揭贷款：工作时间更长
UK retirement age is rising as is demand (for extended home loan terms)
英国退休年龄正在上升，对延长住房贷款期限的需求也在上升
蓝色部分是倒装句，还省略了谓语动词，正确语序是：as the demand for extened home loan is (rising).
关于as开头的倒装句，还可以参考一下下面的这个例句：
Gunpowder was invented in China, as was the the process of priting.
火药和印刷术都是中国发明的。
- Mortgage n. 按揭，按揭贷款
= home loan
Mortgage rates 按揭贷款利率
- down payment n. 首付
- term n. 到期，期满
the term of the loan 贷款期限
Some see their seventies as a time (to sail the world, write a book or simply sit back). Others will still be paying off their mortgages.
有些人将七十多岁视为环游世界、写书或干脆舒服地坐下来的时候。而其他人仍在偿还他们的按揭贷款。
- sail around the world 乘船环游世界
- sit back 舒服地做好
- pay off sth. 偿清，偿还
pay off mortgage 还贷款
take out mortgage 取得贷款
UK bank NatWest (last month) joined the pack (hoping to serve the latter camp), (launching home loans that can be repaid (up to age 75).
上个月英国国民威斯敏斯特银行加入了希望为后者提供服务的阵营，推出了最高可以偿还至 75 岁的住房贷款。
括号里的hoping to do做后置定语修饰the pack。launching home loans是现在分词做伴随状语，that引导的定语从句修饰home loans。
- NatWest 国民威斯敏斯特银行
=Narional Westminster Bank
- pack n. 一群人，一帮人
a pack of reporters 一群记者
- camp n. 阵营
- repay vt. 清偿，偿还
- resign vt. 辞职
Some lenders go still further. Family Building Society stretches to 95, although nonagenarians will only get a five-year loan.
一些贷款机构走得更远。 家庭建设协会扩展到 95 岁，尽管90多的岁老人只能获得 5 年的贷款。
although引导让步状语从句。
- lender n. 贷款机构
- nonagenarian n. 90多岁的人
段落大意：
背景介绍：
不少英国贷款机构开始延长贷款年龄限制。
Extending loan terms (for the elderly) reflects, perhaps belatedly, changed society. People work for longer.
延长老年人的贷款期限也许迟来地反映了社会的变化。人们工作的时间更长。
- belated a. 迟来的
a belated apology 迟来的道歉
In the UK, the average retirement age has been gradually creeping up (this century), (to 65.1 years for men and 64 for women); although men have yet to revert to the 67.2 years (of their forefathers) (in 1950).
在英国，本世纪的平均退休年龄逐渐上升，男性为 65.1 岁，女性为 64 岁； 尽管男性退休年龄还没有恢复到 1950 年的 67.2 岁。
although引导让步状语从句，have yet to do结构表示某事现在还没有发生，但以后可能发生。
- creep up（数量）逐渐增长
- revert to 恢复到，回到
- forefather n. 男祖先
foremother n. 女祖先
段落大意：
英国延长贷款年龄反映一大社会现象——英国人延迟退休。
Chances are, however, that working for longer will continue to tick up.
然而，工作时间更长可能会持续下去。
- chance n. 可能性
chances are that.... 某事是可能的
Chances are you'll be okay.
你会没事的。
- tick up 增加，增长
uptick n. 小幅增加
Demographics, improved health and financial necessity all speak to spending longer (behind desks, machines and steering wheels).
人口统计、健康状况的改善和经济上的必需都表明人们在办公桌、机器和方向盘后面花费的时间更长。
- demographics n. 人口统计数据
- speak to 说明，显示
The amount of respiratory problems present in this city's population speaks to the terrible air quality here.
该城市如此多的呼吸问题说明这里的空气质量很差。
- steering wheel n. 方向盘
Britain falls well (behind peers) (in terms of the proportion (of those aged 65-plus (in the workforce).
就劳动力中 65 岁以上人口所占比例而言，英国远远落后于其他国家。
- well ad. 大大地，远远地
well over the speed limit 远远超过速度限制
- aged a. ....岁的
age做此用法时只能做后置定语，要跟具体数字表示前面人的年龄。
The UK’s one in 10 is up (on the decade) but well behind the 14.7 per cent OECD average.
英国的65岁以上劳动力人口的比例是10%，在过去十年中有所上升，但远低于经合组织 14.7% 的平均水平。
- OECD 经济合作与发展组织
= Organisation for Economic Co-operation and Development
(Given today’s high house prices), says one mortgage broker, the standard 25-year repayment loan term (assuming retirement at 67) “has all but disappeared”.
一位按揭贷款中介表示，鉴于如今的高房价，假定67岁退休的标准25年还款的贷款期限“几乎消失了”。
- broker n. 中介，经纪人
real estate broker 房产中介
- all but 几乎
= almost
段落大意：
用实际数据证明延迟退休的趋势可能会持续下去。
Age is just one of the societal trends (driving demand (for extended mortgages).
年龄只是推动延长按揭贷款需求的社会趋势之一。
- societal a. （术语）社会的
Divorce is another. Taking out a fresh home loan (in your forties or fifties) can be tough enough (without compressing repayment (into 10 or 20 years).
离婚是另一个原因。在四五十多岁时获得新的住房贷款，就算无需将还款期压缩到 10 年或 20 年，可能也已经足够艰难了。
- compress vt. 压缩
Pushing out the maximum age allows payments to be spread (over a longer term), making them more affordable.
推迟最高年龄可以使还款分摊到更长的期限内，从而使他们更能负担得起。
- Push out n. 延伸，使....突出
- spread vt. 分摊（费用、工作量）
spread the cost 匀费用
Likewise the case for parents (helping children on to the housing ladder) or (seeking their own buy-to-let nest eggs).
对于那些帮助孩子登上住房阶梯或作为个人投资“买房出租”的父母来说，情况也是如此。
- housing ladder n. 房产阶梯
get on the housing ladder 上车
（将不同的价位的房子比作一个虚拟梯子的不同阶梯，房子越便宜在梯子上的排位越低，所以英国人所说的get on the housing ladder大概就相当于中文的“买上车盘”）
- let vt. 出租 =rent
buy-to-let 买房出租
- nest egg n. 个人储蓄金
段落大意：
放宽限制减小房贷压力。
Risks to lenders are mitigated (by robust affordability checks), (beefed up (by the regulators’ Mortgage Market Review (after the financial crisis).
金融危机后监管机构的按揭贷款市场审查加强了稳健的负担能力检查，从而减轻了贷款机构的风险。
- mitigate vt. 减轻，缓和
- affordability check 负担能力审查
- beef up sth. 使...更大
- Mortgage Market Review 按揭市场审查（2008年金融危机爆发后，英国为管控房贷市场风险的一份报告）
Borrowers need to work past a typical retirement age or demonstrate sufficient pensions or other means of covering payments.
借款人需要工作超过典型的退休年龄或证明有足够的养老金或有其他支付方式。
- demonstrate vt. 展示
- pension n. 养老金，退休金
Not perhaps the most carefree way (to spend the twilight years), but one likely to become increasingly common.
也许这不是度过暮年最无忧无虑的方式，但可能会变得越来越普遍。
- carefree a. 无忧无虑的
- twilight n. 暮色，黄昏
the twilight tears 暮年
段落大意：
给出预测：老年还贷可能会愈加常见。
积累到哪些实用表达？
买房：
down payment, mortgage (rates), take out mortgage, (fresh) home loan, buy-to-let, lender, mortgage broker, get on the housing ladder
供房：
repay/pay off mortgage, repayment loan term, allow payment to be spread over a longer term, extended mortgages
实用短语：
creep up, tick up, push out, beef up, speak to, the twilight years
