一個智庫表示，約有140萬房屋貸款持有人的可支配收入將下降超過20%。
rising interest rates could cause 1.4 million mortgage holders see their disposable incomes fall by more than 20%, a think tank has warned.一個智庫警告說，上升的利率可能使140萬個房貸持有人的可支配收入下降超過20%。
Some 690,000 of those set to be hit hardest will be under 40, the Institute for Fiscal Studies (IFS) said.英國財政研究所（IFS）表示，其中有約69萬個年齡在40歲以下的人將受到最嚴重的影響。
The body said high borrowing costs was unquestionably going to cause serious difficulty for many families'.」該機構表示，高借款成本「無疑會給許多家庭帶來嚴重困難」。
The Bank of England, which sets interest rates, is expected to raise them again to try to tackle inflation.英格蘭銀行負責設定利率，預計將再次提高利率來應對通脹。
Data released on Wednesday showed inflation to be unchanged at 8.7% in the year to May, solidifying expectations that the Bank of England will raise interest rates by 0.25% to 4.75%.周三發布的數據顯示，通脹率截至5月份保持不變，為8.7%，這鞏固了英格蘭銀行將把利率提高0.25％至4.75％的預期。
Inflation is the increase in the price of something over time.通脹是物價隨時間增加的現象。
Its economists said many banks had increased mortgage rates again in recent weeks, in anticipation of the Bank increasing its base rate further.該機構的經濟學家表示，許多銀行在最近幾周再次提高了房貸利率，預期英格蘭銀行將進一步提高基準利率。
That meant mortgage holders would pay on average almost £280 more each month compared to March 2022, if mortgage rates remained at around 6%. It said people aged between 30 and 39 would typically pay about £360 more.這意味著如果房貸利率保持在6%左右，每月房貸持有人支付的平均費用將比2022年3月增加近280英鎊。30至39歲的人通常要支付約360英鎊。
Overall, 60% of those with a mortgage - 8.5 million adults - are set to spend more than a fifth of their incomes on mortgage payments, the IFS said.英國財政研究所表示，總體而言，持有房貸的人中有60%（850萬成年人）將花費超過五分之一的收入用於房貸支付。
But the think tank pointed out while a third of all adults aged 20 and over have a mortgage, many are on fixed rate deals so have been shielded by rate rises, although around a quarter of such deals are due to finish by the end of this year, exposing people to higher costs.但是，該智庫指出，雖然三分之一的20歲及以上成年人擁有房貸，但其中許多人在固定利率的交易中，因此受利率上漲的影響較小，盡管這類交易中約四分之一的交易將在年底前結束，將使人們面臨更高的費用。
The Bank of England has been hiking interest rates since December 2021 in a bid to slow the rate prices are rising at. The Banks base rate, which is used by lenders to set interest rates on mortgages, loans and credit cards, but also for savings accounts, is currently 4.5%.」自2021年12月以來，英格蘭銀行一直在提高利率，旨在減緩物價上漲速度。英格蘭銀行的基本利率（銀行用於設定房貸、貸款和信用卡的利率，以及儲蓄帳戶利率）目前為4.5%。
In theory, raising interest rates makes it more expensive for people to borrow and they have less money to spend, meaning households will buy fewer things and then price rises will ease.理論上，提高利率使人們的借貸成本增加，他們的可支配收入減少，這意味著家庭購買的東西會減少，從而物價上升會得到緩解。
But inflation has not been falling as fast as hoped, and there have been calls for the Bank to be more aggressive with interest rates.但是通脹率下降的速度並沒有人們所希望的那樣快，人們呼籲英格蘭銀行在利率問題上更加積極。
In recent weeks, lenders have been pulling deals and putting up rates at short notice in expectation of interest rates being hiked again.最近幾周，借貸機構已經在預期利率將再次上漲的情況下緊急取消交易並提高利率。
On Wednesday, the average rate on a two-year fixed deal rose to 6.15%. In March 2022 it was 2.65%.本周三，兩年固定利率交易的平均利率上升至6.15％。2022年3月，它是2.65％。
The Joseph Rowntree Foundation (JRF), which campaigns for people on low-incomes, said its research had found almost three-quarters of low-income households with a mortgage reported going in some cases without showers or had experienced food insecurity' in the past month.」約瑟夫·羅恩特里基金會（JRF）是一個為低收入群體進行倡導的機構，該機構表示，其研究發現，幾乎三分之三的低收入家庭有房貸的報告稱，他們在某些情況下無法洗澡，或在過去一個月出現了「食物不安全感」。
Alfie Stirling, JRF chief economist, said there was a strong case' for the Bank to 'take a pause for breath' and avoid raising rates until the impact of previous hikes had been fully felt.」約瑟夫·羅恩特里基金會首席經濟學家阿爾菲·斯特林表示，英格蘭銀行有充分理由「喘口氣」並避免在之前的利率上漲影響完全感受到之前提高利率。
Chancellor Jeremy Hunt has ruled out the government introducing major financial support to mortgage holders over fears it would make inflation worse, not better'.」大臣傑里米·亨特排除了政府向房貸持有人提供重大財務支援的可能性，因為擔心這將「使通脹情況變得更糟，而不是更好」。
But he said he would meet lenders later to ask what help they could give to households struggling.但他表示，他將與借貸機構會面，詢問他們能夠向困難家庭提供何種幫助。
Ewan Cameron bought a flat in London two years ago and has just managed to secure a new fixed deal, but not before he had two mortgage offers pulled.伊萬·卡梅倫兩年前在倫敦買了一間公寓，他剛剛設法獲得了一個新的固定利率交易，但是在此之前，他有兩個房貸提案被取消了。
He has now got to find an extra £400 a month to pay for his home, and is considering renting out the spare room to help pay for it.他現在需要每月找到額外的400英鎊來支付住房費用，他正在考慮出租空房間來幫助支付。
But he said he would meet lenders later to ask what help they could give to households struggling.但他表示，他將與借貸機構會面，詢問他們能夠向困難家庭提供何種幫助。
Ewan Cameron bought a flat in London two years ago and has just managed to secure a new fixed deal, but not before he had two mortgage offers pulled.伊萬·卡梅倫兩年前在倫敦買了一間公寓，他剛剛設法獲得了一個新的固定利率交易，但是在此之前，他有兩個房貸提案被取消了。
He has now got to find an extra £400 a month to pay for his home, and is considering renting out the spare room to help pay for it.他現在需要每月找到額外的400英鎊來支付住房費用，他正在考慮出租空房間來幫助支付。
The IFS said the UKs benefits system currently provides 'relatively little support for low income mortgagors compared to what's on offer for low income renters'.」英國財政研究所表示，目前英國的福利制度對於低收入的房貸持有人相比于低收入房屋租戶提供的支持「相對較少」。
It said this meant there was not much of a safety net for those who are particularly likely to struggle with rate rises'.」該機構表示，這意味著對於那些特別可能會受到利率上漲困擾的人來說，「幾乎沒有什麼安全網」。
As well as different age groups being impacted by higher borrowing costs, the think tank said there were also differences in where people lived.這家智庫還表示，除了不同年齡組別受到更高借款成本的影響外，人們居住地的不同也存在差異。
For example, it said average rises ranged from just over £150 in Northern Ireland to £390 per month in the South East and £520 in London.例如，它表示平均增幅從北愛爾蘭的150英鎊多一點到東南部的390英鎊每月，倫敦更是達到520英鎊。
It pointed out that it was not just homeowners under pressure, with renters seeing very large increases' in recent months.」該機構指出，不僅擁有房產的人受到壓力，租房者在最近幾個月也見證了「非常大的增長」。
Data shared with the BBC has shown rent now typically accounts for 28.3% of income, compared with 27% on average for the past 10 years. A small rise in percentage terms can still have a significant effect on peoples finances.」與BBC分享的數據顯示，租金的比例在過去10年的平均數為27%，而現在通常占收入的28.3%。即使在百分比方面小幅增加仍可能對人們的財務產生重大影響。
Chancellor rules out government help on mortgages大臣排除了政府對房貸提供援助的可能性。
We've got £1,750 and can't find anywhere to rent'」「'我們有1,750英鎊，找不到可以租房的地方'」