मूल्य अनुपात के लिए ऋण क्या है?


ऋण-से-मूल्य अनुपात (एलटीवी) ऋण जोखिम का एक आकलन है जिसे वित्तीय संस्थान और अन्य ऋणदाता बंधक को मंजूरी देने से पहले विचार करते हैं.

अधिकांश ऋणदाता बंधक और गृह-इक्विटी आवेदकों को न्यूनतम संभव ब्याज दर प्रदान करते हैं जब ऋण-से-मूल्य अनुपात कम या कम होता है 80%.

loan to value ratio

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 =एमए/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.

उदाहरण के लिए, 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% (अर्थात. 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. नतीजतन, 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 (एलटीवी)

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.

इसलिए, the CLTV is a more comprehensive measure of a borrower’s ability to repay a home loan.



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