其中关键的一点是贷款价值比率，或者简称ltv。
他的见解无疑带有偏见，不过德州法律确实把抵押的贷款价值比率控制在80%以内。
He is biased, no doubt; but Texas law does cap the loan-to-value ratio of mortgages at 80%.
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。
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.
确定合适的质押存货贷款价值比率能够使银行有效地缓释存货质押融资业务的信用风险。
Determining appropriate loan-to-value ratios of commodity collateral can make Banks mitigate credit risk of inventory financing effectively.
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。
Part of — this is the — it's not loan-to-value ratio — this is the ratio of mortgage debt to personal consumption expenditure.
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.
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%。
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%.
银行可以在繁荣时期建立额外储备金，对高风险借款人增加风险筹码，和对抵押贷款市场规定贷款价值比率。
These included the right to force Banks to build up extra reserves during boom times, increase risk-weights on high-risk lenders and impose loan-to-value ratios in the mortgage market.
我所考虑的政策包括，让银行在太平时期增加资本持有，或是实行最高的贷款价值比率以防止出现房地产泡沫。
I'm thinking here of policies like having Banks hold more capital when times are good or implementing maximum loan-to-value ratios to guard against housing price bubbles.
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
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%.
但是，正如以色列央行行长斯坦利·菲舍尔在此次会议上所指出的，过去使用的方法，如保证金制度和贷款价值比率限制，也仍然可以继续使用。
But, as Stanley Fischer, governor of the Bank of Israel, pointed out to the Jackson Hole attendees, older tools such as margin requirements or maximum loan-to-value ratios could also be used.
西班牙官员声称抵押贷款损失之所以如此之低是因为贷款大多发放给信誉良好的借款人，他们贷款价值比率较低，没有逃离其债务的动机。
Spanish officials argue that mortgage losses are so low because the loans were mostly issued to creditworthy borrowers with low loan-to-value ratios and no incentive to walk away from their debts.
当房地产价值过热时，他们改变规定：限制贷款与价值比率或提高房屋销售税率，他们近期已对更昂贵的房地产采取了这些措施。
When property prices heat up, they change the rules: restricting loan-to-value ratios or raising the tax on home sales as they recently did with more expensive properties.
信贷价值包括许多可变因素。其中包括还款习惯，当前拥有的无条件贷款信用额度，贷款收入比率以及信用历史。
Credit worthiness includes many variables, including repayment habits; the number of open credit facilities a person currently has, debt to income ratio and credit history.
中国银行的股票下跌，今年和交易，在价格与帐面价值的比率，假设这些机构将蒙受其贷款组合的重大损失。
The stocks of Chinese Banks fell this year and were trading at price-to-book ratios that assumed these institutions would suffer substantial losses on their loan portfolios.
以最大价值贷款比(LTV)和债务收入比率的形式限制个人贷款上限是另一种选择。
Caps on how much individuals can borrow, in the form of maximum loan-to-value (LTV) and debt-to-income ratios, are another option.
笔者进行的研究以及与贷款公司老板的访谈显示，这些公司的贷款都有抵押，需求很旺，而且只要他们坚持严格的贷款与价值比率规则，就很少有违约的情况。
From my research and discussions with loan-company owners, their loans are collateralized and demand is strong, and as long as they adhere to strict loan to value ratio rules, defaults are rare.
笔者进行的研究以及与贷款公司老板的访谈显示，这些公司的贷款都有抵押，需求很旺，而且只要他们坚持严格的贷款与价值比率规则，就很少有违约的情况。
From my research and discussions with loan-company owners, their loans are collateralized and demand is strong, and as long as they adhere to strict loan to value ratio rules, defaults are rare.
应用推荐