寫成英文的話是：subprime サブプライム loan ロ－ン = subprime lending
subprime lending (also known as B-paper, near-prime, or second chance lending) is the practice of making loans to borrowers who do not qualify for the best market interest rates because of their deficient credit history. The phrase also refers to banknotes taken on property that cannot be sold on the primary market, including loans on certain types of investment properties and certain types of self-employed individuals.
次級貸款或次級按揭(英文：subprime lending)，是為信用評級較差、無法從正常渠道借貸的人所提供的貸款。次級貸款的利率壹般較正常貸款為高，而且常常是可以隨時間推移而大幅上調的浮動利率，因而對借款人有較大風險。由於次級貸款的違約率較高，對於貸款商也有較正常貸款更高的信用風險。