无论如何，他说房地产市场的借贷条件意味着销售将重新振作。
However, he said that lending conditions in the housing market meant sales could pick up.
问题不在于银行不愿放贷，而在于具备借贷能力或符合借贷条件的客户太少。
It isn't that the Banks won't lend, but rather that few can afford or qualify (on any reasonably and historically sound basis) to borrow.
由于繁荣期不偿债数量减少，借方信誉就上升了，资产价值高，贷方借贷条件放宽。
As the number of defaults falls in the boom, borrowers' credit ratings improve, assets are highly valued and lenders accept a broader range of them.
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