## মূল্য অনুপাত একটি ঋণ কি?

প্রশ্ন

ঋণ থেকে মূল্যের অনুপাত (এলটিভি) ক্রেডিট ঝুঁকির একটি মূল্যায়ন যা আর্থিক প্রতিষ্ঠান এবং অন্যান্য ঋণদাতারা একটি বন্ধকী অনুমোদন করার আগে বিবেচনা করে.

বেশিরভাগ ঋণদাতা বন্ধকী এবং হোম-ইকুইটি আবেদনকারীদের সর্বনিম্ন সম্ভাব্য সুদের হার অফার করে যখন ঋণ-থেকে-মূল্যের অনুপাত বা তার নিচে থাকে 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 =এম.এ/PV
.
কোথায়:
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.

উদাহরণ স্বরূপ, 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% (অর্থাৎ. 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. ফলে, 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.