People can't fix their capability to repay the loans in the future.
人们不知道未来他们还有多少还贷能力。
The financial institution performs a credit check on the individual requesting the loan as assurance that the individual has the financial capability to repay the loan.
金融机构对申请贷款的个人进行信用检查，以确保此人有能力偿还贷款。
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