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首页> 外文期刊>Kiplinger's Personal Finance >A CHALLENGE FOR BORROWERS: TIGHTER LENDING STANDARDS IMPOSED BY BANKS ARE THWARTING EVEN LOW-RISK HOME LOANS
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A CHALLENGE FOR BORROWERS: TIGHTER LENDING STANDARDS IMPOSED BY BANKS ARE THWARTING EVEN LOW-RISK HOME LOANS

机译：借款人的挑战：银行实施的更严格的贷款标准正在使低风险房屋贷款陷入困境

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摘要

MORTGAGE RATES ARE bumping along at near-historic lows, and home prices range from bargain levels to outright steals. Uncle Sam has been tossing money at almost anyone who buys a house before the end of April. So why is the mortgage market so frustrating for so many would-be borrowers? Because nearly three years into the credit crisis, and despite Herculean government efforts to get the housing market rolling, it can still be maddeningly difficult to land a loan-even for folks normally thought of as low-risk, slam-dunk borrowers.
机译：抵押贷款利率正在接近历史最低点，房屋价格从讨价还价水平到完全抢断。四月底之前，山姆大叔几乎一直在向任何购房者扔钱。那么，为什么这么多的潜在借款人的抵押贷款市场如此沮丧呢？由于信贷危机已经过去三年了，尽管政府大力推动住房市场运转，但即使对于通常被认为是低风险，灌篮高手的人来说，仍然很难获得一笔贷款。

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