标准化的抵押贷款文件都有借款人“承诺”偿还所借款项及其利息的条款，一些人也认为，这样的承诺即使兑现起来不再容易，也还是不应该违背。
A standard mortgage-loan document reads, 'I promise to pay' the amount borrowed plus interest, and some people say that promise should remain good even if it is no longer convenient.
这些条件，也就是条款，对某些财务比率进行了明确的限定，比如利息保障倍数。
Such conditions, known as covenants, typically specify limits on certain financial ratios, such as that of a company's earnings to its interest payments.
其中的某些条款对那些真正让人厌恶的做法起到了限制作用，例如对已付差额收取利息；但其余条款阻止了银行根据消费者风险的变化而设定相应利率的能力。
Some provisions restrain genuinely odious practices, such as charging interest on already-paid balances, but others prevent Banks from tailoring interest rates to customers' changing risks.
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