But rising rates are bad for credit origination and increase the debt-service burden for existing borrowers .
但是增长的利率并不利于信贷的发放，并且会加重现有贷款人债务负担。
A potential purchaser of the loan , however , is unlikely to value it at its origination value .
然而，该贷款的潜在买家不太可能会利用它的初始价值对其进行估值。
" Credit spreads have contracted , interest rates are down and liquidity in credit markets has recovered significantly , " said ken poon , head of capital markets origination for citi in asia pacific .
Mr dudley said officials should consider ways " to foster competition in mortgage origination to ensure a more complete pass-through of low secondary mortgage rates to households " .
