In a pawn transaction, the customer gets a short-term loan of about fifty to seventy-five percent of the value of an item.

VOA: special.2011.04.18

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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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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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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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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People can't pay that, if they're in any trouble, they can't come up with the whole value of the loan all at once.

如果人们遇到困难,将无法一次性凑齐这笔大额款项

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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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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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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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The critical thing is the loan-to-value ratio, or LTV.

其中关键的一点是贷款价值比率,或者简称LTV

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