So the bankers are feeling more and more secure every year

银行家们每一年就感觉更加安全
because the house is backing a smaller and smaller loan,

因为房子由一个越来越低的贷款支持
or to put it another way,

或者换另一种方式
if you're uncertain about what the price of the house will be in the future,

如果你不确定的房子在未来的价格将
you want to make sure that what is owed is going down in the future.

你要确保欠款在未来不断下降
If the price gradually goes down of the house what's owed is gradually going to go down.

如果房价逐步下走价格也会逐步下降
But the main reason why the number is so important is

但是这个数字如此重要的主要原因就是
you have to realize the purpose of a mortgage is

你必须认识到抵押贷款目的是
you take out a loan using the house as collateral.

你用房子作为贷款的抵押
If you don't make your payment they can take your house.

如果你不付款他们可以收回你的房子
Well, what happens if you want to move?

如果你要搬家会发生什么?
If you want to move you're going to sell the house.

如果你要搬家你打算把房子卖了