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。

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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。

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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。

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They have hunted and gathered, photocopied and surrendered every income, asset and credit document that might even remotely testify to their ability to repay the mortgage loan they seek.

FORBES: Anatomy of a Purchase Mortgage - Chapter Two