Even before the legislation is signed into law, mortgage lenders are paying more attention to the ability of loan applicants to repay their loans.

虽然新法案尚未签署成为法律，但抵押贷款发放机构已经在加强对贷款申请人偿债能力的审核。

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For example, Banks use credit scores, based on data about past financial transactions, to judge an applicant's ability to repay a loan.

举例来说，银行通过信用积分来判断申请人的还贷能力，该信用积分就是基于过往银行交易数据得到的。

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Many U.S. mortgages issued in recent years were made to subprime borrowers, defined as those with lesser ability to repay the loan based on various criteria.

近年来许多美国抵押贷款发放是针对次级贷款（简称次贷）的借款人；而依照次级贷款的定义，这些所谓的借款人皆依照综合标准评量过，其能力不足以偿清贷款。

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They have hunted and gathered, photocopied and surrendered every income, asset and credit document that might even remotely testify to their ability to repay the mortgage loan they seek.

FORBES: Anatomy of a Purchase Mortgage - Chapter Two