贷款方希望购房者首付更多好抵御抵押价值下降。
Lenders want bigger down payments to protect against the falling value of collateral.
商业银行在发放房地产抵押贷款前，应当确定房地产抵押价值。
II. Commercial Banks shall, before granting real estate mortgage loans, determine the real estate mortgage value.
房地产抵押价值由抵押当事人协商议定，或者由房地产估价机构进行评估。
The real estate mortgage value shall be agreed upon by the parties to the mortgage through negotiations, or be assessed by a real estate appraisal institution.
管理者并未急于让银行承认抵押价值崩溃的问题，但却要求银行达到资本的新国际标准。
Regulators were slow to force Banks to recognise the problem of collapsed collateral values, but they did require Banks to meet new international standards for capital.
根据法律规定，这艘船的船龄不得超过20年，负债率不得超过其抵押价值的60%。
The law decrees the said vessel cannot be more than 20 years old and debt cannot be greater than 60% of the mortgaged value.
房屋援助是针对这些人的：他们不能很好的找到工作，因为她们的房屋的价值已经低于抵押价值了。
Housing assistance should be aimed at homeowners who cannot easily move to jobs in brighter parts of the country because their homes are worth less than their mortgages.
负抵押条款契约中的负面条款，声明若资产抵押会减少贷款方抵押价值，则借贷方不可进行这项抵押。
Negative Pledge Clause A negative covenant in an indenture, it states that the corporation will not pledge any of its assets if doing so would give the lenders less security.
在你的抵押贷款和小型企业管理局贷款之间，你最后可能会欠下比房产价值多得多的钱。
Between your mortgage and your SBA loan, you could end up owing a lot more on your property than it's worth.
为了使其更具安全性，资产池中有抵押的债券要比普通债券价值大。
For extra safety, the pool contains more collateral than the value of the bond.
而最简单的方法就是写下水下抵押债务的价值。
And the simplest way to do that would be to write down the value of underwater mortgage debt.
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.
为预防房地产泡沫，他们也必须适时地调整商业和住宅抵押贷款的贷款价值比。
They must also vary the loan-to-value ratio on commercial and residential mortgages to forestall real estate bubbles.
如果金融集团使用借来的钱去买入更多不同证券，并用来作为抵押，那么这些证券的价值就会增加。
If financial groups use the borrowed money to buy more of the sorts of securities they lodged as collateral, then the prices of those securities will go up.
现今的地产大王们可以以地产的价值作为抵押借款，并利用出租所得现金流偿付利息支出。
Today's property barons can borrow against the value of the assets and use the cashflow from rental income to meet the interest payments.
财产抵押后，该财产的价值大于所担保债权的余额部分，可以再次抵押，但不得超出其余额部分。
If the value of the mortgaged property exceeds that of the claim secured, the surplus may be mortgaged again, but not in excess of the surplus.
最紧急的一项是潜伏的抵押贷款，差不多25%的美国家庭都有超过其房屋价值的抵押贷款。
The most urgent item is the festering mass of underwater mortgages. Almost 25% of homeowners with mortgages owe more than their houses are worth.
新法使得房主再融资更容易，以房屋价值抵押借款。
The new laws made it easier for households to refinance their mortgages and borrow against the value of their homes.
相对于收入和房产抵押的价值，美国，英国和其他国家债务过高。
America, Britain and others took on debts that now look steep compared with incomes and the value of the homes against which much of the money was borrowed.
监管机构需强制银行减计第二抵押的价值。
Regulators should force Banks to write down the value of second liens, which are often held at vastly inflated values on their balance-sheets.
随着潜在的抵押品价值减少和收入缩水，真正的债务负担开始上升。
As the underlying collateral declines in value and incomes shrink, the real burden of debt rises.
近25%的住房拥有者的抵押贷款比其住房的价值要高。
Almost 25% of homeowners with mortgages owe more than their houses are worth.
但是大约有四分之一的房主因房产价值不够进行抵押而无法重新贷款。
But roughly a quarter of homeowners cannot refinance because their mortgages exceed the value of their homes.
但是现在房地产销售量正在下降，于是，作为抵押品的土地价值也随之下降了。
But now the volume of real-estate sales is falling, and so, too, is the value of the land used as collateral.
随着其在银行抵押品价值的缩水，借贷的投资者同样被银行强迫卖出自己手中的货币。
Indebted investors are also being forced by their Banks to sell as falling prices reduce the value of their collateral.
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.
他们敦促银行依据预测现金流而非抵押品价值放贷。
They are urging Banks to lend based on cashflow projections, not collateral values.
房价下跌了20%至30%，使许多人的房屋价值只有抵押贷款额的一半。
House prices are down 20 to 30 per cent, leaving many with houses worth only half the mortgage.
房价下跌了20%至30%，使许多人的房屋价值只有抵押贷款额的一半。
House prices are down 20 to 30 per cent, leaving many with houses worth only half the mortgage.
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