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1·Even before the legislation is signed into law, mortgage lenders are paying more attention to the ability of loan applicants to repay their loans.

虽然新法案尚未签署成为法律，但抵押贷款发放机构已经在加强对贷款申请人偿债能力的审核。

2·For example, Banks use credit scores, based on data about past financial transactions, to judge an applicant's ability to repay a loan.

举例来说，银行通过信用积分来判断申请人的还贷能力，该信用积分就是基于过往银行交易数据得到的。

3·Many U.S. mortgages issued in recent years were made to subprime borrowers, defined as those with lesser ability to repay the loan based on various criteria.

近年来许多美国抵押贷款发放是针对次级贷款（简称次贷）的借款人；而依照次级贷款的定义，这些所谓的借款人皆依照综合标准评量过，其能力不足以偿清贷款。

4·The bank protects itself by obtaining security to cover against losses, conducting credit checks and making sure that the client has the ability to repay the loan.

银行通过为其损失保险、管理信贷支票以及确保客户有能力偿还贷款来保护自身。

5·The first is the borrower's ability to repay the loan and the second is the market value of the property.

首先是借债人了偿贷款的能力，其次是财富的市值。

6·If you have little or no credit history, the educational variables matter a lot, because they help us understand your ability to repay the loan.

如果一个人没有信用史或信用史很短，那么他的受教育程度就变得非常重要，因为我们可以通过教育程度评估借款人偿还贷款的可能性。

7·The bank has no business history to look at in order to evaluate your ability to repay the loan. It has no personal history about you to determine your ability or willingness to repay.

因为银行没有任何关于你的商业贷款还款能力的历史依据可参考，也没有关于你个人是否有还款能力或还款意愿的私人记录可参考。

8·S. mortgages issued in recent years were made to subprime borrowers, defined as those with lesser ability to repay the loan based on various criteria.

而依照次级贷款的定义，这些所谓的借款人皆依照综合标准评量过，其能力不足以偿清贷款。