求翻译：他说：“这一降幅不太可能马上传递到消费者那里。没有什么因素将迫使抵押贷款发放者降低他们向消费者提供的利率。眼下他们手上积压着巨大工作量，需要管理文书，发放贷款。这些人很忙。没有几个人在享受长时间的抽烟休息时间。”是什么意思？

He said: "This decline is unlikely to immediately pass to consumers What factors will force mortgage lenders to reduce their interest rates to consumers. Their hands now a backlog of immense workload, the need to manage the instrument, issuing loans. these people are very busy. few people enjoy a lo

He said: "This is not a drop pass as soon as possible to the consumer. What are the factors there is no issuance of mortgage loans will be forced to offer consumers lower their interest rates. Now they have a huge backlog, you need to manage workload, and