loan seasoning:indicates how long you h**e been on the loan:货款历经年限 low-doc loan:low documentation loans.low doc loans are a flexible solution for self-employed people who h**e income and assets,but are unable to provide the required financial statements or tax returns at the time of application.低凭证货款 the excess spread:remaining net interest payments from the underlying assets of an asset-backed security,after all payables and expenses are covered.收益差额/超额利差