英文翻譯~~~THX!

Conditions for buyers in need of a home loan have rarely been bleaker — but new rules on mortgages threaten to exclude even more aspiring owners.

Regulations proposed by the Financial Services Authority (FSA) this week, as part of a mortage review, aim to strengthen the market. They include stricter affordability tests for borrowers, an end to self-certification loans and a ban on “toxic combination” loans, such as a mortgage offering a high loan-to-income ratio to someone with a poor credit record. But industry brokers say the plans could make borrowing more expensive for all and almost impossible for a significant minority.

請問段一點解?
成篇既意思大約係?

我想知咁對於生意人借錢做生意有冇影響?