Hi, can you answer this question in more detail?

Subject: Hong Kong Personal Financial Planning Practice

Q7. A

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.

(Words: 700 - Don't direct copy)