50多万英国人在西班牙拥有自己的住宅。
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.
西班牙的住宅抵押贷款标准很好，然而银行借贷给开发商的情形就并非如此了。
Spain's residential-mortgage standards were fine, but the same could not be said of banks' lending to developers.
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