家庭形成速度的下降 — — 比如，年青一代美国人越来越多地搬回家去和父母同住 — — 抑制了房价，导致了更多的人被剥夺了按揭权。
Decreased rates of household formation – young Americans, for example, are increasingly moving back in with their parents – depress housing prices, leading to still more foreclosures.