outstanding['aʊt'stændɪŋ]: adj. 未偿付的
"We don’t give you money directly in your hand, but every month your debt is reduced by more than the amount you pay,” said Jyske’s housing economist, Mikkel Høegh.
日德兰银行的房产经济学家米克欧·赫格说:“我们不会直接把钱给你,但每个月你的债务减少额会高于你的还款金额。”
The mortgage is possible because Denmark, as well as Sweden and Switzerland, has seen rates in money markets drop to levels that turn banking upside-down.
这种贷款之所以可行,是因为在丹麦、瑞典、瑞士这些国家,货币市场的利率降幅已经让银行业务出现“倒挂”。
Høegh said Jyske Bank is able to go into money markets and borrow from institutional investors at a negative rate, and is simply passing this on to its customers.
赫格说,日德兰银行能够以负利率从货币市场和机构投资人那里借到钱,现在只不过是将这种借款方式用于银行客户。
But the flipside is that savers will see nothing paid in interest on their deposits – and may also suffer as they go negative.
不过有利就有弊,储户将发现自己的存款毫无收益,如果变成负利率的话存款甚至会减少。
flipside: n. 另一面;反面
In Switzerland, the bank UBS last week told its wealthy clients that it would introduce a charge of 0.6% a year if they deposited more than €500,000.
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