因此，如果房价低降至抵押物价值以下，房主可以安全脱离债务。
So if house prices fall below the value of the mortgage, a householder can walk away from his debt.
本合同项下的抵押物价值明显减少，影响到贷款人权益而借款人未增加相应担保的；
The guaranty under the contract depreciates obviously, which influences the Lender's rights and interests. However, the Borrower fails to increase corresponding guaranty.
第五十一条抵押人的行为足以使抵押物价值减少的，抵押权人有权要求抵押人停止其行为。
Article 51 Where a mortgagors ACTS are likely to cause the value of the mortgaged property to decline, the mortgagee shall be entitled to demand that the mortgagor cease and deist from such ACTS.
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
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.
因此，如果房价降至抵押物价值以下，房主可以安全脱离债务，许多人这么做：被没收财产的降价销售严重依赖于市场价格水平。
So if house prices fall below the value of the mortgage, a householder can walk away from his debt. Many have done so: fire sales of seized homes have weighed heavily on prices.
加拿大人在获得按揭时，贷款额与抵押物价值比超过80%，同时还必须从名叫加拿大按揭房屋公司(CMHC)的一家联邦机构对其进行保险。
Canadians taking out mortgages with a loan-to-value ratio over 80% must also take out insurance on them from a federal agency called the Canada mortgage and Housing Corporation (CMHC).
存货抵押贷款中，信用风险主要来源于抵押物价格和流动性风险，信贷人确定适当的利率和贷款价值比能够有效缓释信用风险。
Determining certain interest rate and loan to value ratio (LTV) can make creditors mitigate credit risk, which comes from the price risk and liquidity risk of collateral in inventory pledge loan.
存货抵押贷款中，信用风险主要来源于抵押物价格和流动性风险，信贷人确定适当的利率和贷款价值比能够有效缓释信用风险。
Determining certain interest rate and loan to value ratio (LTV) can make creditors mitigate credit risk, which comes from the price risk and liquidity risk of collateral in inventory pledge loan.
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