Higher mortgagerate is partly offset by increase tax allowance. 抵押款高了，其中一部分可因免税额增加而相抵销。
The recent rise in interest rate have make mortgage dear. 最近利率的上涨使得抵押贷款利率更高了。
On the mortgage purchase side, the outstanding principal balance of the HKMC's mortgage portfolio totalled $8.7 billion at end-1999, 90 per cent of which were floating ratemortgages and 10 per cent were fixed ratemortgages. 在购买按揭方面，公司于一九九九年年底的按揭贷款组合未偿还本金余额共达87亿元，其中九成是浮息按揭，一成是定息按揭。
Then, you need to decide what discrete problem you want to solve -- increasing direct-mail response rate, finding mortgage customers or boosting grocery sales, for example. 然后你需要决定你想解决哪些具体问题，如增加直邮的回答率、找出按揭的客户或者提高食品的销售等等。