The purchaser calculates a loan-to-value ratio using the current, much lower value of the house.

这个买家会用下跌很多的房屋现值，计算出一个贷款与估值比率（loan-to-valueratio）。

The purchaser calculates a loan - to - value ratio using the current , much lower value of the house.

这个买家会用下跌很多的房屋现值,计算出一个贷款与估值比率( loan -to-valueratio).

And among all the risk control measures, limiting loan - to - value ratio is most feasible and effective.

其中最有效、最可行的手段是限制贷款价值比例.