贷款与价值比率放贷风险比率计算方法为抵押或贷款总额除以物业的估值
The loan-to-value ratio, or the lending risk ratio, is calculated by dividing the total amount of mortgage or loan by the valuation of the property
以上为机器翻译结果，长、整句建议使用 人工翻译 。
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