The borrowers are able to save money and pay back the loan over time.

VOA: special.2010.06.16

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

耶鲁公开课 - 金融市场课程节选

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

耶鲁公开课 - 金融市场课程节选

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%

耶鲁公开课 - 金融市场课程节选