根據這個公式可以推斷，它的高低不存在價值性差異，而是反映了貸款額與抵押資產之間的數據關系，當然也是貸款風險和銀行貸款制度的體現。
部分英語例句：
When the loan-to-value ratio is above 90%, it means buyers have little equity in their homes.（來源於福布斯雜誌）
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）