除了用房屋抵押贷款利息抵扣应缴税额之外，借款人还可以借助相当于其所购房屋价值5 % （ 甚至更低 ） — —而不是更符合标准的20 ％ — —的首付来买房。
Beyond the deductibility of home mortgage interest, borrowers are permitted to make down payments of as little as 5% (or even less) of the value of the house they buy, rather than the more standard 20%.