Even before the legislation is signed into law, mortgage lenders are paying more attention to the ability of loan applicants torepay 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。
2
For example, Banks use credit scores, based on data about past financial transactions, to judge an applicant's abilitytorepay 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。
3
Many U.S. mortgages issued in recent years were made to subprime borrowers, defined as those with lesser abilitytorepay the loan based on various criteria.