--that happens all the time

这种事情经常发生
--or they might steal things from it.

他们还可能会从房子里偷东西
Who knows, they're angry and they're living in this house.

天知道他们会干出什么事他们是恼怒的住户
They can stall you for a year;

能拖延你整整一年的时间
you're trying to sell the house,

当你准备卖掉房子
they hire lawyers and sue you and you've got to hire lawyers.

他们会请律师起诉你然后你也不得不请律师
There are lots of costs,

那是一大笔开销
so you want to have a loan-to-value ratio,

因此你要设定一个足够低的
which is sufficiently low,

贷款价值比率
that the collateral will cover the value of the loan.

使得抵押物价值能够为贷款提供保障
The history of mortgages is that

从抵押贷款的历史来看
they have generally over time gotten

随着时间推移抵押贷款