而且私人贷款很难设法逃避，即使贷款人已经破产。
And they are very hard to wriggle out of, even if the borrower goes bankrupt.
他说，如果形势恶化，该行将考虑采取提高贷款人贷款标准等措施。
If the situation worsens, he says, the bank will consider steps like raising the hurdles for borrowers.
我在本周早些时候打过电话，并和一位个人贷款部门的有关人士谈过海外留学贷款的事宜。
I called earlier in the week and spoke to someone in the personal loans department about an overseas study loan.
但是，由于借款人贷款组合违约情况(信用风险)增高，所借款项的重要性便今非昔比了。
However, the importance of the money lent will be lost because borrower default (credit risk) from a portfolio of loans has increased.
和其他人一样，我也喜欢奢侈品，差别在于有些人贷款购买奢侈品并掉入一个相互攀比的陷阱。
I love my luxuries as much as anyone else. The difference is, some people buy their luxuries on credit. It's the keep-up-with-the-Joneses trap.
伊利诺斯州的律师主要控告银行给黑人和拉丁美洲人高成本贷款的同时却给白人贷款人低成本的贷款。
In Illinois, the state attorney general has accused the bank of marketing high-cost loans to blacks and Latinos while selling lower-cost loans to white borrowers.
较低利率使上百万抵押贷款支付人高兴了。
有大额抵押贷款的借款人应选择固定利率。
联邦储备银行想让各家银行继续贷款给信用良好的借款人。
The Fed wants banks to continue to lend to creditworthy borrowers.
一些人得到了大量的低息贷款形式的职业援助。
Some received substantial occupational assistance in the form of low-interest loans.
如果由纳税人来承担减免学生的贷款费用，难道他们不该对自己的钱如何使用拥有发言权吗？
If taxpayers are to bear the cost of forgiving student loans, shouldn't they have a say in how their money is used?
律师事务所的其余合伙人仍然在一起，被抵押贷款和钞票的束缚不情愿地绑在一起。
The remaining partners in the law firm were still together, attached unwillingly at the hip by the bondage of mortgages and the banknotes.
“次级借款人”指的是，那些信用记录较差的借款人，或在其他方面显示，他们很可能无力偿还贷款。
A "subprime borrower" is somebody who has a poor credit history or some other indication that would suggest that they might not be able to repay the mortgage.
成年人的问题是，有一大堆重要的事情要处理——工作、按揭贷款、弄清楚晚餐该做什么。
The problem with being a grown up is that there's an awful lot of serious stuff to deal with—work, mortgage payments, figuring out what to cook for dinner.
如果你不能偿还抵押贷款，贷款人可以没收财产并卖掉它。
If you fail to pay on the mortgage, the lender can seize the property and sell it.
“我肯定是娶对了人！”在接下来的两年里，奥尔登努力偿还抵押贷款和制造商的货款。
"I definitely married the right woman!" For the next two years, Alden juggled mortgage payments and payments to his manufacturers.
也许你可以从其他渠道筹集资金，从更多的贷款人那里获得小额贷款。
Maybe you could gather capital from other sources, smaller loans from more lenders.
正如我在以前的文章所说的，对于每个借款人来说都有贷款人。
As I said in the previous post, there is a lender for every borrower.
这些贷款的买主正在要求抵押贷款的原始放贷人回购这些贷款。
The buyers of these loans are asking the original mortgage-writers to buy them back.
不出意料，一些放债人的贷款回收率已经由接近100%直降到20%左右。
Not surprisingly, recovery rates for some lenders have plunged from close to 100% to around 20%.
但是，贷款人很难得到贷款的比例在继续增长(见图表)。
But the percentage of would-be borrowers finding loans hard to get continues to grow (see chart).
债务是债务，每一个借款人都有贷款人。
借款人使用贷款购买房屋、游艇，还买额外的捷豹汽车停放在房屋的草坪上。
Borrowers use credit to buy houses, boats, and an extra Jaguar to park out on the lawn.
在过去，当公司借入贷款，贷款人经常坚持金融合同；对这些合同的违反会让贷款人有权采取行动。
In the past lenders ofteninsisted on financial covenants when companies took out loans; breach of thosecovenants gave the lenders the right to take action.
更紧的贷款标准和过分谨慎的银行正使得一些买房人很难满足贷款条件。
Tighter lending standards and overly cautious Banks are making it tough for some buyers to qualify for credit.
债务，可以是借款人的责任，也可以是贷款人的责任，特别是当它成为坏债时。
Debt, it turns out, can be a liability for the borrower and the creditor, especially when it goes bad.
但是他们的贷款人表示，他们的信用风险不好。
将至退休年龄的借款人，贷款期限不得超过退休年限(一般为女性55岁、男性60岁)。
For a borrower close to the age of retirement, the length of maturity may not exceed the age of retirement (usually 55 for a woman and 60 for a man).
将至退休年龄的借款人，贷款期限不得超过退休年限(一般为女性55岁、男性60岁)。
For a borrower close to the age of retirement, the length of maturity may not exceed the age of retirement (usually 55 for a woman and 60 for a man).
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