标准化的抵押贷款文件都有借款人“承诺”偿还所借款项及其利息的条款，一些人也认为，这样的承诺即使兑现起来不再容易，也还是不应该违背。
A standard mortgage-loan document reads, 'I promise to pay' the amount borrowed plus interest, and some people say that promise should remain good even if it is no longer convenient.
除商业贷款的较容易的条款之外，许多大的银行也已在各种类型的的消费者贷款上放松标准。
In addition to easier terms for business loans, many large Banks also reported having eased standards on various types of consumer loans.
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