This verse continues the sentence that began in the previous verse; in fact, the main verb (he saved us) is included in this verse. It may be advisable and even necessary to include this main verb with the previous verse and start a new sentence here, as Contemporary English Version has done.
While the previous verse gives the ground, basis, and setting of God’s saving act, this verse gives the reason for this saving act and how it is effected.
The first assertion is that salvation is wholly dependent on God’s mercy and not on human effort of any kind. For saved see 1 Tim 1.15.
For righteousness see 1 Tim 6.11. In the present context deeds done by us in righteousness can be saying “things that we do because we are good” or “good things that we ourselves have done” (so Good News Translation “any good deeds that we ourselves have done”).
In virtue of translates a preposition that can be rendered “in accordance to,” “in the manner of,” “in accordance with.” This means that salvation is solely dependent on God’s mercy, that it is God’s nature as merciful that makes him save us, and that because of God’s mercy he gives us salvation and new life.
For mercy see 1 Tim 1.2. The main element of mercy is not “pity” but “compassion” and “love,” both of which are not deserved by the recipient.
The second half of this verse is rather difficult. A literal translation of the Greek text is as follows: “through (or, by) the washing of regeneration and renewal of the Holy Spirit.” We will first examine these words separately and then analyze the phrase in its entirety in order to determine what it means.
Washing translates a rare word used only here and in Eph 5.26; it refers to ceremonial washing that is most likely related to baptism. However, the focus here doesn’t seem to be the rite of baptism itself but its function as a means of purification or spiritual cleansing. So in many languages one must say “washes our hearts” or “purifies our hearts.”
Regeneration also translates a rare word, occurring only here and in Matt 19.28. In the Matthean reference it refers to the “renewal” of the world. In the present context the term is used to describe a complete change in one’s way of life; hence “rebirth.”
Likewise the word for renewal appears only twice in the New Testament, here and in Rom 12.2. The term is derived from a verb that means “to cause something or someone to become new,” with the implication that this is a good thing.
What does the expression mean? There are several possibilities.
1. Rebirth and renewal are two separate things, with rebirth relating to washing, and renewal relating to the Holy Spirit. A literal translation of the text tends to suggest this (in addition to Revised Standard Version, see New International Version “He saved us through the washing of rebirth and renewal by the Holy Spirit”; Jerusalem Bible “He saved us, by means of the cleansing water of rebirth and by renewing us with the Holy Spirit”). In this understanding we have here two ways by which God saves us: through rebirth that is effected through washing, and through renewal that is effected by the Holy Spirit. Or perhaps rebirth and renewal are two separate stages in the believer’s life, with rebirth equivalent to conversion and being experienced at the time of baptism (which is what washing is), and renewal referring to a subsequent activity of the Holy Spirit in the life of the believer.
2. Washing is equivalent to rebirth and renewal. This produces a sentence like “He saved us through the washing, that is, the rebirth and renewal that is effected by the Holy Spirit.”
3. Washing is a sign of rebirth and renewal. This produces a sentence like “He saved us by means of the washing that is a sign that we have experienced rebirth and renewal from the Holy Spirit.”
4. Washing as spiritual cleansing is the means by which the Holy Spirit works out rebirth and renewal. This takes the genitive “of the Holy Spirit” as marking the Holy Spirit as agent for both rebirth and renewal that in turn are taken as synonyms. The agent of washing may also be the Holy Spirit, and this information may be made explicit in the translation. However, this is not in focus in the text. This last option is what is preferred in this Handbook.
A possible translation is “God saved us through the power of the Holy Spirit, who gives us new birth and new life by washing us and making us spiritually clean.”
Alternative translation models for verses 4 and 5 are:
• But when God our Savior showed his love and kindness to us, he saved us. This was not because we ourselves had done any good thing, but because he [God] was merciful to us. He saved us through the power of the Holy Spirit (or, his Spirit), who gives us a new birth and new life by washing our lives and making them pure.
Or:
• But God our Savior showed us how good and kind he is. He saved us because he is merciful and not because of any good deeds we have done. Through the power of his Spirit he washed us and caused us to be born again and have new life.
Quoted with permission from Arichea, Daniel C. and Hatton, Howard A. A Handbook on Paul’s Letter to Titus. (UBS Handbook Series). New York: UBS, 1995. For this and other handbooks for translators see here .

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