Since the real problem lay partly in the mortgages, rather than the borrowers, this suggests the subprime crisis was a financial-market mess, as well as a housing one.

• 由此可见问题的部分真正原因是在于抵押借款，而非借款人，这意味着次贷危机是一种金融市场混乱及房地产市场的混乱。