in hong kong , Y is planning to buy an apartment 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.