...数低于620分、债务与收入比率(Debt to Income Ratio,DTI)比例高于55%、抵押贷款价值与房地产价值比率(Loan to Value Ratio,LTV)比例在85%以上,收入证明缺失、负债较重的人提供住房抵押贷款。
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其中关键的一点是贷款价值比率,或者简称ltv。
他的见解无疑带有偏见,不过德州法律确实把抵押的贷款价值比率控制在80%以内。
He is biased, no doubt; but Texas law does cap the loan-to-value ratio of mortgages at 80%.
抵押贷款的贷方,借给你的钱不会超过财产本身价值,因此贷款价值比率就会大于1。
A mortgage lender doesn't want to lend more than the property is worth because that would mean a loan-to-value ratio over one.
But if the loan to value ratio is greater than one, they won't be able to get all the money back.
但如果贷款价值比率大于1,他们就不能追回所有的贷款
Part of--this is the--it's not loan-to-value ratio-- this is the ratio of mortgage debt to personal consumption expenditure.
这并非贷款价值比率的问题,一定程度上,是抵押率的问题,即负债对个人消费支出的比率
A mortgage lender doesn't want to lend more than the property is worth because that would mean a loan-to-value ratio over one.
抵押贷款的贷方,借给你的钱不会超过财产本身价值,因此贷款价值比率就会大于1
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