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Homeowners who refinanced their mortgages took out cash and reduced their monthly payments at the same time. Much of the cash obtained by refinancing was spent on consumer durables, home improvements and the like.

再融资的房主拿出现金，同时减少了月供。通过再融资获得的大部分现金都花在耐用消费品、房屋修缮等方面。

— Martin Feldstein 费尔德斯坦