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But if the loan to value ratio is greater than one, they won't be able to get all the money back.
但如果贷款价值比率大于1,他们就不能追回所有的贷款
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And everybody gets a tuition loan which is paid straight to the universities.
每个人都有一个学费的贷款，那个是直接支付给学校。
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So the Bank of England then became a kind of regulator of these banks and it would also loan to them when they were in trouble.
所以，英格兰银行当时,成为了众多银行的管制者,并且在它们陷入危机时,向它们发放贷款。
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Over the boom period, we've been seeing a gradual uptrend; just as loan to value ratios were only 60% in the 1920s, now they're up to 90% or 100%.
在繁荣时期可看到一个逐渐上升趋势,上世纪20年代贷款价值比率只有60%,现在飞升至90%或100%
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Part of--this is the--it's not loan-to-value ratio-- this is the ratio of mortgage debt to personal consumption expenditure.
这并非贷款价值比率的问题,一定程度上,是抵押率的问题,即负债对个人消费支出的比率
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A mortgage lender doesn't want to lend more than the property is worth because that would mean a loan-to-value ratio over one.
抵押贷款的贷方,借给你的钱不会超过财产本身价值,因此贷款价值比率就会大于1
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That means that if you fail to pay on the loan, the property is taken by the lender to satisfy your debts.
这意味着如果你不能偿付贷款,这项资产会归债权人所有以清偿你的债务
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You need the loan for years, but investors don't want to tie up their money for years.
这笔款你需要贷若干年,可是投资者不希望他们的钱被占用好几年
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Saving and Loan Associations, by the way, no longer exclusively limit themselves to mortgage lending -either they do home improvement lending and auto loans and the like as well.
顺便提一下,储贷协会,现在也不仅限于发放抵押贷款,他们也发放住房装修贷款,及汽车消费贷款之类的
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It was just part of the new President Bush's plan to increase the conforming loan limits on Fannie and Freddie to allow them to lend at a higher price.
小布什总统的政策之一就是,增加房利美和房地美的贷款限额,以便让他们可以在高房价下继续贷款
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Anyway, your loan-to-value ratio is getting pretty precarious because your house is now down 30% in value; your loan-to-value ratio, if we were to give you $5,000, would be something like 90%.
你的贷款价值比变得很不安全,因为你的房子已经贬值30%,如果我们借给你5000美金,你的贷款价值比率在90%左右
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Your banker understands that your business can't pay the money back and that the bank has a reputation in the community of helping business people, so they won't ask for the money even though it's a short-term loan that they made to you.
他会理解,你的公司可能无法还钱,在业界里银行向来,有帮助企业家的美名,所以他们不会要求你还钱,即使他们借给你的是短期贷款
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The idea was that a lot of people can't afford a house -let's all get together and pool our money -in a Building Society or Saving and Loan Association -and then we'll loan out to some of us to buy the house.
当初的想法是,很多人都买不起房子,那我们就把钱凑在一起,放到一个建房互助协会或储贷协会里,然后向我们中那些要买房的人发放贷款
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If you go to a savings bank, or a savings and loan, or a commercial bank and you say, I want to open up a checking account--that's a deposit; or, I want to open up a saving account--that's a deposit.
如果你去一个储蓄银行或者商业银行，去储蓄或者贷款，你说，我想开个支票账户，这就是储蓄;,或者说我先开个存款账户，这就是储蓄。
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The history of mortgages is that they have generally over time gotten more easy on loan-to-value ratio and also on maturity.
从抵押贷款的历史来看,随着时间推移,抵押贷款,对于贷款价值比和期限越来越宽松
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The loan-to-value ratio--well it's not so much the loan--the maturity was short and the balloon payment at the end that they changed.
贷款价值比率,不,就是期限太短了,期末大额偿还也是罪魁祸首
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