With interest rates on the rise, mortgage finance has become more expensive, which could see home prices continue to cool.

随着利率的上升，抵押贷款变得更加昂贵，这可能会导致房价继续降温。

Landlords in less affluent areas rely more heavily on mortgage finance than their wealthier peers, according to Hamptons, helping to drive up costs.

根据 Hamptons 的数据，相对于更富裕的同行，贫困地区的房东更加依赖抵押贷款融资，这有助于推高成本。

Institutions backstopped by the American government, including Fannie Mae, a crucial source of mortgage finance, would also be downgraded, translating into higher mortgage rates and undercutting the all-important property sector.

由美国政府支持的机构，包括抵押贷款融资的重要来源房利美 (Fannie Mae)，也将被降级， 转化为更高的抵押贷款利率， 削弱最重要的房地产行业。