银行不想承接住宅按揭贷款业务。
情况本来可能更坏，好在西班牙银行业已经收回了大量尚未动工建房的土地，且还过住宅按揭的标准也颇为保守。
It could have been worse: Spanish Banks have repossessed huge amounts of land that had not yet been built on, and residential-mortgage standards are rather conservative.
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.
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