次级贷款市场在抵押银行到处都能听到这样的新闻：破产的商人、正在离婚的人、自由职业者和独立经营者是按揭银行好的客户，而不是人们通常所认为的差客户。不要千方百计向那些会计师、律师和公务员发放低息贷款，虽然他们是可以信赖的银行客户，但却精于与银行讨价还价。相反 Subprime mortgages are heard everywhere in mortgage banks: Bankrupt traders, divorcing, freelancers and sole proprietorships are good customers at mortgage banks rather than bad clients as they are often perceived. Do not try to give low-interest loans to accountants, lawyers and civil servants. Although they are trustworthy bank clients, they are good at bargaining with banks. in contrast