And because Latinos earn on average less than whites, and may not have a credit history in the United States, they are not always eligible for the most attractive interest rates and lending terms.

由于拉美裔人的平均收入低于白人，可能在美国尚无使用信用卡的记录，因此他们并不总是符合申请利率最低、条款最优惠贷款的条件。

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"Instead,they will get the traditional IMF lending , which comes with very austere conditions in terms of cutting budgets, in terms of raising interest rates, which is exactly the opposite of what they need to be doing at the current time."

VOA: standard.2009.04.22

And as they do so, they are relaxing their lending terms and conditions, central-bank surveys show.

ECONOMIST: Buttonwood

Its banks recently eased its lending terms, though, giving Goodyear some breathing room.

FORBES: Magazine Article

He noted that stricter lending terms are now even hampering creditworthy borrowers.

NPR: Bernanke Warns Congress of Economic Slowdown