每個(gè)月那點(diǎn)微薄的工資還了房貸利息就所剩無(wú)幾，上百萬(wàn)的本金償還更是遙遙無(wú)期……如果你也深陷這種窘境，那么你不僅是房奴，還是zombie debtor（僵尸債務(wù)人）！

The term zombie debtor refers to someone who is unable to pay off the capital of the loan, and whose repayments only service the interest charge.

“僵尸債務(wù)人”是指無(wú)法償還貸款本金，只能償還利息費(fèi)用的人。

In Britain, it is feared that 3.5m people will turn to payday lenders in the next six months but research shows that nearly two-thirds will regret the decision. Many will be unable to pay off the loan and risk becoming “zombie debtors“.

在未來(lái)的六個(gè)月內(nèi)，英國(guó)350萬(wàn)人將會(huì)申請(qǐng)發(fā)薪日貸款，然而研究顯示，三分之二申請(qǐng)貸款者會(huì)為這一決定后悔。許多人將無(wú)法付清貸款，有可能會(huì)淪為“僵尸貸款人”。

A payday loan is a small, short-term loan that is intended to cover a borrower's expenses until his or her next payday. It is usually accompanied with excessive rates of interest. It is estimated that payday loans cost Americans $4.2 billion a year in interest and fees. The experts commented: “Payday loans are not the best way to resolve debt struggles. We know that many who take them out find them to be a negative experience, often escalating financial troubles.”

所謂發(fā)薪日貸款，指的是在下一個(gè)發(fā)薪日前支付借款人開(kāi)銷的短期貸款，通常伴隨著高利息率。據(jù)估計(jì)，美國(guó)人每年要花費(fèi)42億美元用于支付發(fā)薪日貸款的利息和手續(xù)費(fèi)。專家指出，“發(fā)薪日貸款并不是解決債務(wù)困境的最佳途徑。據(jù)我們所知，很多人申請(qǐng)了發(fā)薪日貸款后發(fā)現(xiàn)這是一種令人不快的經(jīng)歷，它通常會(huì)加劇經(jīng)濟(jì)困難?！?/p>

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