什么是“僵尸债务人”？
<p> 每个月那点微薄的工资还了房贷利息就所剩无几，上百万的本金偿还更是遥遥无期……如果你也深陷这种窘境，那么你不仅是房奴，还是<span word="zombie">zombie</span> <span word="debtor">debtor</span>（僵尸债务人）！</p><p> </p><p> <span word="The">The</span> <span word="term">term</span> <span word="zombie">zombie</span> <span word="debtor">debtor</span> <span word="refers">refers</span> <span word="to">to</span> <span word="someone">someone</span> <span word="who">who</span> <span word="is">is</span> <span word="unable">unable</span> <span word="to">to</span> <span word="pay">pay</span> <span word="off">off</span> <span word="the">the</span> <span word="capital">capital</span> <span word="of">of</span> <span word="the">the</span> <span word="loan">loan</span>, <span word="and">and</span> <span word="whose">whose</span> <span word="repayments">repayments</span> <span word="only">only</span> <span word="service">service</span> <span word="the">the</span> <span word="interest">interest</span> <span word="charge">charge</span>.</p><p> “僵尸债务人”是指无法偿还贷款本金，只能偿还利息费用的人。</p><p> <span word="In">In</span> <span word="Britain">Britain</span>, <span word="it">it</span> <span word="is">is</span> <span word="feared">feared</span> <span word="that">that</span> 3.5<span word="m">m</span> <span word="people">people</span> <span word="will">will</span> <span word="turn">turn</span> <span word="to">to</span> <span word="payday">payday</span> <span word="lenders">lenders</span> <span word="in">in</span> <span word="the">the</span> <span word="next">next</span> <span word="six">six</span> <span word="months">months</span> <span word="but">but</span> <span word="research">research</span> <span word="shows">shows</span> <span word="that">that</span> <span word="nearly">nearly</span> <span word="two">two</span>-<span word="thirds">thirds</span> <span word="will">will</span> <span word="regret">regret</span> <span word="the">the</span> <span word="decision">decision</span>. <span word="Many">Many</span> <span word="will">will</span> <span word="be">be</span> <span word="unable">unable</span> <span word="to">to</span> <span word="pay">pay</span> <span word="off">off</span> <span word="the">the</span> <span word="loan">loan</span> <span word="and">and</span> <span word="risk">risk</span> <span word="becoming">becoming</span> “<span word="zombie">zombie</span> <span word="debtors">debtors</span>“.</p><p> 在未来的六个月内，英国350万人将会申请发薪日贷款，然而研究显示，三分之二申请贷款者会为这一决定后悔。许多人将无法付清贷款，有可能会沦为“僵尸贷款人”。</p><p> <span word="A">A</span> <span word="payday">payday</span> <span word="loan">loan</span> <span word="is">is</span> <span word="a">a</span> <span word="small">small</span>, <span word="short">short</span>-<span word="term">term</span> <span word="loan">loan</span> <span word="that">that</span> <span word="is">is</span> <span word="intended">intended</span> <span word="to">to</span> <span word="cover">cover</span> <span word="a">a</span> <span word="borrower">borrower</span>'<span word="s">s</span> <span word="expenses">expenses</span> <span word="until">until</span> <span word="his">his</span> <span word="or">or</span> <span word="her">her</span> <span word="next">next</span> <span word="payday">payday</span>. <span word="It">It</span> <span word="is">is</span> <span word="usually">usually</span> <span word="accompanied">accompanied</span> <span word="with">with</span> <span word="excessive">excessive</span> <span word="rates">rates</span> <span word="of">of</span> <span word="interest">interest</span>. <span word="It">It</span> <span word="is">is</span> <span word="estimated">estimated</span> <span word="that">that</span> <span word="payday">payday</span> <span word="loans">loans</span> <span word="cost">cost</span> <span word="Americans">Americans</span> $4.2 <span word="billion">billion</span> <span word="a">a</span> <span word="year">year</span> <span word="in">in</span> <span word="interest">interest</span> <span word="and">and</span> <span word="fees">fees</span>. <span word="The">The</span> <span word="experts">experts</span> <span word="commented">commented</span>: “<span word="Payday">Payday</span> <span word="loans">loans</span> <span word="are">are</span> <span word="not">not</span> <span word="the">the</span> <span word="best">best</span> <span word="way">way</span> <span word="to">to</span> <span word="resolve">resolve</span> <span word="debt">debt</span> <span word="struggles">struggles</span>. <span word="We">We</span> <span word="know">know</span> <span word="that">that</span> <span word="many">many</span> <span word="who">who</span> <span word="take">take</span> <span word="them">them</span> <span word="out">out</span> <span word="find">find</span> <span word="them">them</span> <span word="to">to</span> <span word="be">be</span> <span word="a">a</span> <span word="negative">negative</span> <span word="experience">experience</span>, <span word="often">often</span> <span word="escalating">escalating</span> <span word="financial">financial</span> <span word="troubles">troubles</span>.”</p>
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