英语翻译Having access to finance enables people to live in their

Having access to finance enables people to live in their own home for many more years than they could have done
had they been required to pay for their home with only their savings.
第一点,我断开的地方应该有个逗号会比较好,但我确实不清楚这样可不可以,had的提前应该是由于if条件句虚拟的省略if把had提前的原因
然后整句的意思是：如果要求他们只用他们的收入来支撑家庭的话,关系到经济是人们能够住在他们自己的家里比原本能够住的年数更多.
Having access to finance enables people to live in their own home for many more years than they could have done 这是主句
had they been required to pay for their home with only their savings.这是从句
Having access to finance是独立主格
people to live in their own home for many more years than they could have done 整个enable的宾语
than后的应该是than they could have done替代than the years they could have lived in
我也不是特别专业,所以这只是按我的理解,多少当个参考也好

这句话，怎么看都有问题，至少是印刷疏漏。难道是一种传说中的新语法现象？？

having access to finance 理财
enable peole to pay for their home with only their savings 使人们仅用存款就可以养活他们的家庭
people( who) live in their home for many years (more that) than they could have done ...

我也说点吧。金融的有效利用能够确保人们居住自己的房子更多年，相较于他们本来可以居住的仅仅需要用存款来支付的。我想问下为啥那个要用had they been，这不应该是独立的2句话吗