银行不想承接住宅按揭贷款业务。
西班牙的住宅抵押贷款标准很好，然而银行借贷给开发商的情形就并非如此了。
Spain's residential-mortgage standards were fine, but the same could not be said of banks' lending to developers.
北岩银行新任管理层也不见得比原管理层更出色（北岩银行曾经是一家老迈、毫无生气的住宅抵押贷款提供商，而上届管理层将其创新性地成功转型为证券化巨头并因此获得了巨大荣誉）。
The bank's new bosses may yet prove to be no better than its old (who were once feted for their innovation in transforming a sleepy old building society into a securitisation dynamo).
因此，越来越多的人贷款自购住宅，使房地产价格不断攀升，从而推动了银行资产负债表上抵押物的价值激增，这种增长鼓励了银行把更多的钱借出去。
More people bought houses, increasing their prices. This boosted the value of the collateral on banks’ balance sheets, encouraging them to lend more.
现代银行将贷款决策蜕变成冷冰冰无人情的、以信贷评分和资产价值为基础的公式， 是银行更偏向于均一同质的贷款，比如住宅按揭。
modern banks reduced loan decisions to arm’s-length algorithms based on credit scores and asset values, biasing them towards homogeneous loans such as residential mortgages.
芝加哥的小银行CorusBankshares就是如此，该银行的资产组合中，80%是共管式住宅建筑贷款。
That is certainly true of Chicago-based Corus Bankshares, more than 80% of whose portfolio comprises condominium-construction loans.
他们能够支付现金购买商业及住宅的物业，这能够极大地帮助陷入困境的银行、工厂，和抵押贷款的公司。
They can afford to pay cash for commercial and residential property, which can greatly help struggling Banks, factories, and mortgage companies.
银行为住宅提供的标准贷款额度通常不超过借贷者年收入的30%。
S. government. The standard loan amounts that Banks make for residential properties usually will not allow the payment to exceed 30% of the borrower's annual income.
然而，住宅市场的变化正在给银行和其他贷款人带来一些挑战。
The change in the housing market is, nevertheless, posing some challenges for banks and other lenders.
然而，住宅市场的变化正在给银行和其他贷款人带来一些挑战。
The change in the housing market is, nevertheless, posing some challenges for banks and other lenders.
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