without significant change ; no significant change
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这并不意味着他们将来就会按时清偿贷款，但的确，特别是在无重大变化发生时，如失业或者重大疾病等，清偿的可能性会比较高。
It doesn't mean they will pay our loan on time but it does increase the likelihood, especially if no major changes take place like job loss or major illness, etc.
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