What is true of1 houses is true of many goods that consumers buy today，such as appliances2，automobiles，and furniture.By using credit，consumers can “buy now and pay later，"as the ads say.They have the use of the goods while paying for them.Today many high school graduates are using credit to pay for additional education3.They will pay off their loans with money earned in the future from fulltime jobs.
注釋：
1.be true of sth.與……同樣(情況)
2.appliances 家庭用品
3.additional education 繼續(高等)教育
譯文
賒購——個人需求的融資
信用也能使消費者在迫切需要的時候買到商品和勞務。一對夫婦什麼時候最需要住房呢？當孩子還小並且又住在家裏時是最需要住房的。對大多數夫婦來說，要用多年的時間才能攢夠錢用現款去買一套住房。待住房買到時，孩子可能已長大了，房子可能也不太需要了。而與此同時，他們還必須用現時收入來繼續支付房租。如果利用信用貸款，夫婦倆就可以買下住房住進去，再同時償還貸款。他們可以把原來用於房租上的錢，用來支付購買住房的費用。
現在消費者購置的諸如家庭用品、汽車、家具等許多商品與購買住房的情況一樣。正如廣告宣傳的那樣，消費者可以通過賒購“先買後付”，在付錢的同時消費商品。現在許多高中生都在利用信貸來支付繼續受教育的費用。等將來就業時再用掙來的錢償還貸款。
(3) Higher Living Standard through Enjoying the Future
提前享用，提高生活檔次
The biggest advantage in using credit is that there is no waiting.People can have goods and services they want now even though they cannot pay for them.There are times when this might be very important.One such time could be when misfortune such as an illness or accident strikes.But credit can also come in handy when opportunity knocks.Suppose，for example，someone had a chance to move up to a better job，but the job required a car.The car could be bought on credit.For young people，credit could mean the difference between continuing their education or ending it.Most of the time，however，consumers use credit to get things they don't really need right now.They just like the idea of being able to use goods while they pay for them.