他们认为，向贷款或其他抵押物一直提供“惩罚性利率”，那并不是一件善事。

They contend that the loans and other guarantees had been provided with "penal interest rates" and were not an act of charity.

youdao

欧洲央行还可以坚持要求抵押物应以欧元收益流作为支持，此举可以限制银行利用央行的资金向欧元区外提供贷款。

The ECB could insist that collateral is backed by income streams in euros, which would curb Banks from using its funds to finance loans made outside the euro area.

youdao

银行和其他债权方将会避免这样。 二，欧洲央行（ECB）已经说明了充足的违约债务不能用于中央银行的抵押物，但是自愿性的新贷款可以作为央行的抵押物。

Second, the ECB has indicated that restructured debt that is the result of a default will not be eligible as collateral at the central bank while new loans that are voluntarily made will be.

youdao

There are lots of costs, so you want to have a loan-to-value ratio, which is sufficiently low, that the collateral will cover the value of the loan.

那是一大笔开销,因此你要设定一个足够低的,贷款价值比率,使得抵押物价值能够为贷款提供保障

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