Hi, can you answer this question in more detail?

Subject: Hong Kong Personal Financial Planning Practice

Q7. B

Y is planning to buy an apartment in Hong Kong and would like to apply for a mortgage. You are his financial planner and he has the following question for you, the bank manager told me that they will consider (i) Loan-to-value ratio, (ii) Repayment ability, (iii) Debt-to-income ratio, (iv) Age of building, (v) Loan term, and (vi) Age of borrower. What are they and why are they important to mortgage applications? Please tell me the details.

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