英语翻译Becauseoffinancialilliteracyormis-selling,householdsarenotalwaysawareoftherisksassociatedwithvariablerateloansandsometimestakeshort-sighteddecisions.Yettheproportionofsuchloansisgrowingrapidly.InFinland,for

Question

英语翻译
Because of financial illiteracy or mis-selling,households are not always aware of the risks associated with variable rate loans and sometimes take short-sighted decisions.Yet the proportion of such loans is growing rapidly.In Finland,for example,they account for 95% of all home loans.Unconventional home loans,such as interest-only loans,are also increasingly commonplace.They have gained ground swiftly in the United States and now make up 40% of loans in the Netherlands.These loans offer special facilities,such as the ability to make initial payments that cover only a portion of the interest due.This raises the question of the extent to which borrowers are aware of the risks they assume,insofar as these loans are no longer restricted to high-income households.Foreign-currency home loans have also made inroads,particularly in Poland,Hungary,Turkey and even in Austria,where they account for 37% of home loans.At first,this segment expanded strongly because many Austrians worked in Switzerland,meaning that CHF-denominated loans were attractive to them.From there,the use of these loans grew,increasing currency risk and hence default,concentration and reputational risk for lending banks.For the record,some limits are in place,including strict lending standards,stiff collateral requirements and conversion options.
Households need to be better educated about financial issues.The Austrian government has reacted to the increase in foreign-currency loans by organising public awareness campaigns and by setting new standards for marketing these products and managing the related risks.The United States is planning similar measures for unconventional loans.
Although real estate markets are expected to hold up well,we must not forget the dangers to which a few at-risk sub-groups are exposed in certain loan categories.Additional vigilance is required if property risks are combined with other risks – in particular those associated with population ageing.
希望高水帮我翻译下，翻译软件十分不准确，

Answer 1

由于金融扫盲或曾发生不当销售、家庭并非总是意识到风险的可变利率的贷款,有时采取目光短浅的决定.然而,这种贷款的比例正在迅速增长.在芬兰,例如,他们占95%的家庭贷款.非传统房屋贷款,如interest-only贷款,也越来越普遍.他们已经获得了地面迅速地在美国现在占了40%,在荷兰的贷款.这些贷款提供特殊的设备,如能使初始付款,只有一个部分的利益.这就提出了问题的程度都意识到风险的借款人,他们认为,只要这些贷款不再局限于高收入家庭.外币房屋贷款也开始出现,尤其是在波兰、匈牙利、土耳其、甚至在奥地利,在那里,他们占37%的房屋贷款.乍一看,这段扩充强烈,因为许多澳洲人在瑞士,也就是说,CHF-denominated贷款被吸引到他们.从那里,使用这些贷款增长,越来越多的货币风险,因此违约,浓度和声誉的风险贷款的银行.为记录,一些限制,包括抵押借款标准,严格要求和转换期权僵硬.
家庭需要更好的教育财政问题.奥地利政府对外汇贷款增加公众活动和组织建立新的标准,这些产品的营销和管理相关的风险.美国正计划为非传统贷款类似措施.
虽然房地产市场预计将持续向好,我们不应该忘记的危险是哪几次暴露在特定风险贷款分类.如果要额外警惕财产风险是结合其他风险,特别是那些与人口老化.