Какво е съотношение заем към стойност?
Съотношението заем към стойност (LTV) представлява оценка на кредитния риск, който финансовите институции и други кредитори вземат предвид, преди да одобрят ипотека.
Повечето кредитори предлагат на кандидатите за ипотека и жилищен капитал най-ниския възможен лихвен процент, когато съотношението заем/стойност е на или по-ниско 80%.
Measure Of The Loan To Value Ratio
Prospective home buyers can easily calculate the LTV ratio of a home. This is the formula:
LTV ratio =MA/PV
MA = mortgage amount
APV = property value
An LTV ratio is calculated by dividing the amount borrowed by the estimated value of the property, expressed as a percentage.
Например, if you buy a house that is estimated to be worth $100,000 and make a down payment of $10,000, you are borrowing $90,000. This results in an LTV ratio of 90% (т.е. 90,000 / 100,000).
Determining an LTV ratio is an important component of underwriting mortgages.
It can be used when purchasing a home, refinancing a current mortgage into a new loan, or borrowing against accumulated equity within a property.
Lenders assess the LTV ratio to determine the risk they are taking when underwriting a mortgage.
When borrowers apply for a loan for an amount that is at or near the appraised value (and therefore has a higher LTV ratio), lenders see a greater likelihood that the loan will go into default.
This is because very little equity is built up within the property. Като резултат, in the event of foreclosure, it may be difficult for the lender to sell the home to the point where the outstanding mortgage balance is covered and still make a profit on the transaction.
The main factors affecting LTV ratios are the amount of the down payment, the sales price and the appraised value of a property. The lowest LTV ratio is achieved with a higher down payment and a lower sales price.
Disadvantages of Loan-to-Value (LTV)
The main disadvantage of the information provided by an LTV is that it only includes the primary mortgage owed by a homeowner and does not include other obligations of the borrower, such as a second mortgage or home equity loan, in its calculations.
Следователно, the CLTV is a more comprehensive measure of a borrower’s ability to repay a home loan.
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