紅色：主句?? 藍(lán)色：從句?? 黃色：從句連詞、關(guān)系代詞? ?灰色：插入語、例句、同位語???綠色：長難句分析???紫色：詞根詞綴???（）：修飾成分，包括定語、狀語等???下劃線：詞匯詞組?? 高亮：連詞?

思考題：

有哪些相關(guān)表達(dá)？

Mortgages: working for longer

按揭貸款：工作時(shí)間更長

UK retirement age is rising as is demand (for extended home loan terms)

英國退休年齡正在上升，對(duì)延長住房貸款期限的需求也在上升

藍(lán)色部分是倒裝句，還省略了謂語動(dòng)詞，正確語序是：as the demand for extened home loan is (rising).

關(guān)于as開頭的倒裝句，還可以參考一下下面的這個(gè)例句：

Gunpowder was invented in China, as was the the process of priting.

火藥和印刷術(shù)都是中國發(fā)明的。

• Mortgage n. 按揭，按揭貸款

= home loan

Mortgage rates 按揭貸款利率

• down payment n. 首付
• term n. 到期，期滿

the term of the loan 貸款期限

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.

有些人將七十多歲視為環(huán)游世界、寫書或干脆舒服地坐下來的時(shí)候。而其他人仍在償還他們的按揭貸款。

• sail around the world 乘船環(huán)游世界
• sit back 舒服地做好
• pay off sth. 償清，償還

pay off mortgage 還貸款

take out mortgage 取得貸款

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).

上個(gè)月英國國民威斯敏斯特銀行加入了希望為后者提供服務(wù)的陣營，推出了最高可以償還至 75 歲的住房貸款。

括號(hào)里的hoping to do做后置定語修飾the pack。launching home loans是現(xiàn)在分詞做伴隨狀語，that引導(dǎo)的定語從句修飾home loans。

• NatWest 國民威斯敏斯特銀行

=Narional Westminster Bank

• pack n. 一群人，一幫人

a pack of reporters 一群記者

• camp n. 陣營
• repay vt. 清償，償還
• resign vt. 辭職

Some lenders go still further. Family Building Society stretches to 95, although nonagenarians will only get a five-year loan.

一些貸款機(jī)構(gòu)走得更遠(yuǎn)。 家庭建設(shè)協(xié)會(huì)擴(kuò)展到 95 歲，盡管90多的歲老人只能獲得 5 年的貸款。

although引導(dǎo)讓步狀語從句。

• lender n. 貸款機(jī)構(gòu)
• nonagenarian n. 90多歲的人

段落大意：

背景介紹：

不少英國貸款機(jī)構(gòu)開始延長貸款年齡限制。

Extending loan terms (for the elderly) reflects, perhaps belatedly, changed society. People work for longer.

延長老年人的貸款期限也許遲來地反映了社會(huì)的變化。人們工作的時(shí)間更長。

• belated a. 遲來的

a belated apology 遲來的道歉

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).

在英國，本世紀(jì)的平均退休年齡逐漸上升，男性為 65.1 歲，女性為 64 歲； 盡管男性退休年齡還沒有恢復(fù)到 1950 年的 67.2 歲。

although引導(dǎo)讓步狀語從句，have yet to do結(jié)構(gòu)表示某事現(xiàn)在還沒有發(fā)生，但以后可能發(fā)生。

• creep up（數(shù)量）逐漸增長
• revert to 恢復(fù)到，回到
• forefather n. 男祖先

foremother n. 女祖先

段落大意：

英國延長貸款年齡反映一大社會(huì)現(xiàn)象——英國人延遲退休。

Chances are, however, that working for longer will continue to tick up.

然而，工作時(shí)間更長可能會(huì)持續(xù)下去。

• chance n. 可能性

chances are that.... 某事是可能的

Chances are you'll be okay.

你會(huì)沒事的。

• tick up 增加，增長

uptick n. 小幅增加

Demographics, improved health and financial necessity all speak to spending longer (behind desks, machines and steering wheels).

人口統(tǒng)計(jì)、健康狀況的改善和經(jīng)濟(jì)上的必需都表明人們在辦公桌、機(jī)器和方向盤后面花費(fèi)的時(shí)間更長。

• demographics n. 人口統(tǒng)計(jì)數(shù)據(jù)
• speak to 說明，顯示

The amount of respiratory problems present in this city's population speaks to the terrible air quality here.

該城市如此多的呼吸問題說明這里的空氣質(zhì)量很差。

• steering wheel n. 方向盤

Britain falls well (behind peers) (in terms of the proportion (of those aged 65-plus (in the workforce).

就勞動(dòng)力中 65 歲以上人口所占比例而言，英國遠(yuǎn)遠(yuǎn)落后于其他國家。

• well ad. 大大地，遠(yuǎn)遠(yuǎn)地

well over the speed limit 遠(yuǎn)遠(yuǎn)超過速度限制

• aged a. ....歲的

age做此用法時(shí)只能做后置定語，要跟具體數(shù)字表示前面人的年齡。

The UK’s one in 10 is up (on the decade) but well behind the 14.7 per cent OECD average.

英國的65歲以上勞動(dòng)力人口的比例是10%，在過去十年中有所上升，但遠(yuǎn)低于經(jīng)合組織 14.7% 的平均水平。

• OECD 經(jīng)濟(jì)合作與發(fā)展組織

= 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”.?

一位按揭貸款中介表示，鑒于如今的高房價(jià)，假定67歲退休的標(biāo)準(zhǔn)25年還款的貸款期限“幾乎消失了”。

• broker n. 中介，經(jīng)紀(jì)人

real estate broker 房產(chǎn)中介

• all but 幾乎

= almost

段落大意：

用實(shí)際數(shù)據(jù)證明延遲退休的趨勢可能會(huì)持續(xù)下去。

Age is just one of the societal trends (driving demand (for extended mortgages).

年齡只是推動(dòng)延長按揭貸款需求的社會(huì)趨勢之一。

• societal a. （術(shù)語）社會(huì)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).

離婚是另一個(gè)原因。在四五十多歲時(shí)獲得新的住房貸款，就算無需將還款期壓縮到 10 年或 20 年，可能也已經(jīng)足夠艱難了。

• compress vt. 壓縮

Pushing out the maximum age allows payments to be spread (over a longer term), making them more affordable.

推遲最高年齡可以使還款分?jǐn)偟礁L的期限內(nèi)，從而使他們更能負(fù)擔(dān)得起。

• Push out n. 延伸，使....突出
• spread vt. 分?jǐn)偅ㄙM(fèi)用、工作量）

spread the cost 勻費(fèi)用

Likewise the case for parents (helping children on to the housing ladder) or (seeking their own buy-to-let nest eggs).

對(duì)于那些幫助孩子登上住房階梯或作為個(gè)人投資“買房出租”的父母來說，情況也是如此。

• housing ladder n. 房產(chǎn)階梯

get on the housing ladder 上車

（將不同的價(jià)位的房子比作一個(gè)虛擬梯子的不同階梯，房子越便宜在梯子上的排位越低，所以英國人所說的get on the housing ladder大概就相當(dāng)于中文的“買上車盤”）

• let vt. 出租 =rent

buy-to-let 買房出租

• nest egg n. 個(gè)人儲(chǔ)蓄金

段落大意：

放寬限制減小房貸壓力。

Risks to lenders are mitigated (by robust affordability checks), (beefed up (by the regulators’ Mortgage Market Review (after the financial crisis).

金融危機(jī)后監(jiān)管機(jī)構(gòu)的按揭貸款市場審查加強(qiáng)了穩(wěn)健的負(fù)擔(dān)能力檢查，從而減輕了貸款機(jī)構(gòu)的風(fēng)險(xiǎn)。

• mitigate vt. 減輕，緩和
• affordability check 負(fù)擔(dān)能力審查
• beef up sth. 使...更大
• Mortgage Market Review 按揭市場審查（2008年金融危機(jī)爆發(fā)后，英國為管控房貸市場風(fēng)險(xiǎn)的一份報(bào)告）

Borrowers need to work past a typical retirement age or demonstrate sufficient pensions or other means of covering payments.

借款人需要工作超過典型的退休年齡或證明有足夠的養(yǎng)老金或有其他支付方式。

• demonstrate vt. 展示
• pension n. 養(yǎng)老金，退休金

Not perhaps the most carefree way (to spend the twilight years), but one likely to become increasingly common.

也許這不是度過暮年最無憂無慮的方式，但可能會(huì)變得越來越普遍。

• carefree a. 無憂無慮的
• twilight n. 暮色，黃昏

the twilight tears 暮年

段落大意：

給出預(yù)測：老年還貸可能會(huì)愈加常見。

積累到哪些實(shí)用表達(dá)？

買房：

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

實(shí)用短語：

creep up, tick up, push out, beef up, speak to, the twilight years