因此，如果房价低降至抵押物价值以下，房主可以安全脱离债务。

So if house prices fall below the value of the mortgage, a householder can walk away from his debt.

youdao

本合同项下的抵押物价值明显减少，影响到贷款人权益而借款人未增加相应担保的；

The guaranty under the contract depreciates obviously, which influences the Lender's rights and interests. However, the Borrower fails to increase corresponding guaranty.

youdao

第五十一条抵押人的行为足以使抵押物价值减少的，抵押权人有权要求抵押人停止其行为。

Article 51 Where a mortgagors ACTS are likely to cause the value of the mortgaged property to decline, the mortgagee shall be entitled to demand that the mortgagor cease and deist from such ACTS.

youdao

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.

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

耶鲁公开课 - 金融市场课程节选