...式需要满足严格的条件，尤其是必须满足两项测试标准，即：(1)在抵押房产市值的50%以内或以抵押贷款价值(mortgage-lending-value，MLV)为基础的抵押比率(loan-to-value，LTV)为60%以内，商业房地产贷款发生的损失额不得超...
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以及抵押贷款和价值比 loan to value ; LTV
很明显只要只要这些泡沫破灭一丁点，更多的抵押贷款就会以失败终结—以低于贷款价值的价格。
It was clear that if the bubble got deflated even a little, many mortgages would end up under water - with the price less than the value of the mortgage.
五年前，如果有人在阿斯彭有套无贷款的、价值1500万美元的房产，他便能轻易地以4%的年利率获得1000万美元的抵押贷款。
Five years ago, if someone had a mortgage-free home in Aspen worth $15 million, he could easily get a mortgage on it for $10 million at 4 percent interest.
抵押资产价值的波动率、利率、分红率的增加能分别降低贷款的供给。最后以个人住房抵押贷款为例对上述结论进行了解释。
Increases in the volatility of the value of the collateral, interest rate, and dividend rate of the collateral independently depress the loan supply.
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