贷款与价值比率Loan-to-Value Ratio

Question

这个是越高越好吗？它的高和低代表什么呢？是好还是坏？

Answer 1

具体释义为：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。
根据这个公式可以推断，它的高低不存在价值性差异，而是反映了贷款额与抵押资产之间的数据关系，当然也是贷款风险和银行贷款制度的体现。

部分英语例句：
When the loan-to-value ratio is above 90%, it means buyers have little equity in their homes.（来源于福布斯杂志）
For refinancings, the average loan-to-value ratio was 69% in August, according to CoreLogic Inc.
It is possible that, with time, prices will recover and the loan-to-value ratio will return to normal. （福布斯）

Answer 2

the higher of the LVR, the higher risk for a lender.

Answer 3

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