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.

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。

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In theory, the bank loan should cover the duration for the length of time that one intends to own the car.

在理论上，银行贷款能够覆盖持续时间长度的时间使你打算拥有自己的车。

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Another important factor is the length of time that is involved with repaying the loan.

另一个重要因素是的时间长度是参与偿还贷款。

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That means we lend money for long-term investments, investments which could otherwise be financed only under big difficulties because of interest rates or the length of a loan.

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Bair has proposed giving homeowners who are 60 days late on their mortgage a chance to reduce high interest rates and extend the length of the loan if they qualify.

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As I am sure you know, interest rates are normally higher on loans for longer periods, because the conventional view is that for the lender, the risks of lending rise with the length of the loan.

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