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在房地产市场，无论是国内还是国外，市场的繁荣很大程度上都与住房按揭贷款有关，而其中利率的高低更是核心因素。 有了住房按揭贷款，就有了房地产市场发展的杠杆。原因很简单，如果没有住房按揭贷款，有多少人有能力一次性支付房款来购买住房？ 住房按揭贷款最核心的问题是首付比例和利率。首付比例低，购房者的进入门槛就低，相应地就能够让更多的人进入房产市场。当然，在利率不变的前提下，首付比例低只是降低了进入者的门槛，

When we two parted by George Gordon Byron When we two parted In silence and tears, Half broken-hearted To sever for years, Pale grew thy cheek and cold, Colder thy kiss; Truly that hour foretold Sorrow to this! The dew of the morning Sunk chill on my brow- It felt like the warning Of what I feel now. Thy vows are all broken, And light is thy fame: I hear thy name spoken, And share in its shame. They name thee before me, A knell to mine ear; A shudder comes o’er me- Why wert thou so dear? They know not I knew thee Who knew thee too well: long, long shall I rue thee, Too deeply to tell. In sec

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