RT: Possible recession ahead, commodities crisis, rising interest rates, good idea to not take on new debt in these circumstances unless rates are fixed for a long time.
Avoid variable or adjustable rate loans like the plague.
RT：未来可能会出现衰退、大宗商品危机、利率上升，在这种情况下不承担新债务是个好主意，除非利率长期固定。
避免像瘟疫一样的可变或可调利率贷款。