In the next year, I will buy a home that is in the lower house bracket and switch the extra 25% from a savings account to a direct paymenton the mortgage.
明年，我会买一个初级的房子，从一个储蓄账户中把多余的25%转为直接支付抵押贷款。
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In some cases universal default may apply: the high default rate is applied to a card in good standing by missing a paymenton an unrelated account from the same provider.