Loan and Interest; Default Rate.

贷款和利息，违约罚金比例。

The overall default rate is a mere 0.3%.

总的违约率仅0.3%。

We have found it reduces the default rate and the emotional fallout.

我们发现这不仅降低了倒债率，还缓和了感情问题。

That compares with a peak five-year default rate of 45% during the 1930s.

这与20世纪30年代，五年最高违约率45%形成对照。

That translates into a default rate over the past 12 months of just 3.8%.

这意味着过去12个月拖欠债务的比率正好是3.8%。