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.
这些崭新的住宅动辄价值几十万美元，很多都漆成了亮丽的颜色，高高的围墙保护着它们。
These new houses cost several hundred thousand dollars. Many are painted in garish colors and protected by high walls.
两房同时妨碍了对23%的负资产购房者实施的援助，这些购房者需要偿还的贷款额超过了所购住宅的价值。
The GSEs also hamper help for the 23% of homeowners in negative equity, with loans worth more than their homes.
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