Definitions for

**"Loan to value ratio"****Related Terms:**Loan-to-value ratio, Loan to value, Loan-to-value, Ltv, Loan-to-value-ratio, Loan to valuation ratio, Ltv - loan to value, Lvr , Loan-to-value percentage, Combined loan-to-value, Combined loan-to-value ratio, Cltv, Combined loan to value, Appraisal value, High-ratio mortgage, High ratio mortgage, Lending value, Negative equity, Valuation report, Mortgage constant, Mortgage calculator, Shared appreciation mortgage, Loan, Home equity, Cash out refinancing, Hard money loan, Floor loan, Mortgage valuation, Sam , Mortgage indemnity guarantee, Property value, Valuation, Capital raising, Appraised value, Lenders mortgage insurance, Lmi, Piggyback loan, Combination loan, Loan constant, Hard money lender, Equity, Financing, Truth in lending disclosure, Flipping, Reverse annuity mortgage, Mig, Home-equity loan, Qualifying ratios, Home equity loan

Amount of money a lender will loan on property divided by the value of the property. Typically ranges between .70 to .75.

The ratio between a mortgage loan and the value of the property pledged as security; usually expressed as a percentage

The ratio of the amount lent to the valuation of the property. Eg. $50,000 loan against the value of a $100,000 property the LVR = 50%.

The ratio of the mortgage loan to the lending value of a property, expressed as a percentage. For example, the loan-to-value ratio for a mortgage of $90,000 on a home with a lending value of $100,000 would be 90%.

The ratio of your mortgage to the market value of your property. Expressed as a percentage. For example, if you have a mortgage of £95,000 on a property worth £100,000, the loan to value is 95%.

The relationship between the amount of a mortgage loan and the appraised value of the security, expressed as a percentage of the appraised value.

The amount of the proposed loan versus the appraised value of the subject property, expressed as a percentage.

Also called the LVR. This is the measure of the amount of the loan compared to the value of the property. For example, if you have borrowed $380,000 and your property is valued at $400,000, your loan to value ratio would be 95%.

The relationship between your loan amount and the value of the property expressed as a percentage.

The maximum percentage of value of a property that the lender is willing to loan.

The ratio of the amount of the loan to the amount of the appraised value of the property, and expressed as a percentage.

The relationship, expressed as a percentage, between the loan amount and the value of the property securing the loan. The more equity in the property, the lower the percentage. Conventional lenders sometimes require an LTV of 80%, though there are conventional loan programs that go as high as 97%. Subprime lenders, on average, require LTVs of 70-75%.

The relationship between the appraised value of the property and the total amount of mortgage balances.

the amount of the loan as compared to the appraised value of the property.

The relationship, usually expressed as a percentage, of the principal amount that a mortgage loan bears to the appraised value of the mortgaged property.

The ratio or percentage of your total existing mortgage liens divided by your property's fair market value. Example: total mortgage liens $150,000 divided by a $200,000 fair market value equals 75% loan or loans to value ratio (LTV).

The relationship between the dollar amount of a borrower's mortgage loan and the value of the property.

The ratio of mortgage amount to appraised value or sales price of real property. Used by lenders to determine maximum loan amounts as set by law.

The ratio of the amount of the mortgage relative to the value of the property.

The percentage ratio between the total value of the encumbrances against a property divided by its market value.

The ratio of the fair market value of an asset to the value of the loan that will finance the purchase. Loan-to-value tells the lender if potential losses due to nonpayment may be recouped by selling the asset.

The relationship between the unpaid principal balance of the mortgage and the lesser of the property's appraised value or sales price.

This is a tool used to measure the strength of a loan. The formula used to calculate the loan to value ratio (LVR) is as follows, Mortgage Property Price X 100 = LVR For example, if a house is worth $320,000 and the mortgage for the property is $220,000, then the LVR equals 68.75

This is the ratio of the amount borrowed to the appraised value of the home.

The ratio between the amount of a loan and the value of property pledged.

The relationship, expressed as a percentage, between the amount of the proposed loan and a property's appraised value. For example, a $75,000 loan on a property appraised at $100,000 is a 75% loan-to-value.

The amount of the mortgage as compared to the appraised value or purchase price.

The ratio of the whole loan principal dollar amount divided by the property's appraised value amount.

The ratio of the amount of the loan to the value of the home. The lower the LTV the more favorable the rate and terms usually offered by a lender.

The loan amount expressed as a percentage of the value of the assets. For instance, if a client borrows $75,000 against an asset worth $100,000, the Loan to Value Ratio would be 75%.

A measurement of the size of the loan in comparison to the value of a home. Many lenders prefer a down payment of 20 percent of the home's value, to establish a loan-to-value ratio of 80 percent when a loan is made.

The percentage of appraised value or the sales price, whichever is less, to the loan amount of the property. For example, if you owe $100,000 on a $200,000 home, the ratio is 50%.

When you buy a home, this term refers to the amount of financing you are getting in relationship to your new home's value. For example, an $80,000 mortgage on a $100,000 home has an LVR of 80 percent. This is important because an LVR of more than 80 percent will require you to purchase private mortgage insurance (PMI). Using the same example to illustrate this point, if you finance $90,000 of your $100,000 home, your LVR will be 90 percent, initiating the need for PMI.

Relationship between the amount of a home loan and the total value of the property.

The relationship between the amount of the mortgage loan and the appraised value of the property expressed as a percentage.

The percentage of the property value borrowed. (Loan amount/property value = LTV)

The ratio of the amount of a mortgage loan to the appraised value of the home or the sales price, whichever is lowest. The LTV may affect programs available to a borrower.

A ratio calculated by dividing the proposed loan amount by the lesser of the sales price or appraised value.

The relationship between the amount of the appraised value of the San Jose home, expressed as a percentage of the appraised value.

The ratio of money borrowed on a property to the property's fair market value.

A percentage calculated by dividing the amount borrowed by the price or appraised value of the home to be purchased; the higher the LTV, the less cash a borrower is required to pay as down payment.

The unpaid principal balance of the mortgage on a property divided by the property's appraised value. The LTV will affect programs available to the borrower and generally, the lower the LTV the more favorable the terms of the programs offered by lenders.

The ratio between the amount of a given mortgage loan and the lower of sales price or appraised value.

The ratio of the loan to the appraised value or purchase price of the property, whichever is less, expressed as a percentage.

This ratio measures the amount of the loan, compared to the value of the security property. For example, if the property is valued at $250,000 and you borrow $200,000, the LVR would be 80% (200000 / 250000 x 100 = 80)

The relationship between the amount of the appraised value of the property and the amount of the loan, expressed as a percentage.

the value of money borrowed on a property in comparison to the property's market value

The ratio of the mortgage loan amount to the value of the property. Generally speaking the higher the LTV ratio, the greater the percieved risk to the lender of recovering their money at the end of the mortgage term. As a result, a mortgage with a â€˜highâ€(tm) LTV ratio (eg: 95 or 100%) will attract a higher interest rate than one with a lower LTV (eg: 50%).

The Loan to Value is the percentage of what is owed against the property vs. what the properties fair market value is. . To calculate the LVR, simply divide the loan by the value of the property. For example, the LVR on a $100,000 property with a proposed $80,000 mortgage would be $80,000 ÷ $100,000 % = 80%. (or $80,000 x 100 ÷ 100,000 = 80%)

This refers to the maximum amount lenders will approve against the value of any property taken as security for your home loan. For example if you wish to purchase a property worth $200,000 the lender may approve a loan for 80% of the property value. It will then be up to you to provide the remaining 20% plus costs (mortgage registration and stamp duty etc).

The LTV ratio is the amount of money you borrow compared with the price or appraised value of the home you are purchasing. Each loan has a specific LTV limit. For example: with a 95% LTV loan on a home priced at $50,000, you could borrow up to $47,500 (95% of $50,000), and would have to pay $2,500 as a down payment. The LTV ratio reflects the amount of equity borrowers have in their homes. The higher the LTV ratio, the less cash homebuyers are required to pay out of their own funds.

The loan amount in relationship to the appraised value or selling price expressed as a percentage (for example, a loan amount of $80,000 divided by the appraised value of $100,000 equals an 80% LTV).

The amount of a loan as a percentage of the value of the property. For example, a loan of 90% LTV on a property appraised at $100,000 would amount to a mortgage of $90,000. The maximum LTV will vary between different loan programs.

The relationship between the amount of the appraised value of the property, expresses as a percentage of the appraised value.

The amount of the mortgage expressed as a percentage of the value of the home. For example, if you wish to borrow $190,000 on a home you are buying for $200,000, the Loan to Value Ratio is 95%.

The relationship between the mortgage loan and the appraised value of the property, expressed as a percentage (%). An 80% conventional loan has an 80% loan to value ratio.

The amount borrowed divided by the appraised value of the collateral, expressed as a percentage.

A ratio determined by dividing the sales price or appraised value into the loan amount, expressed as a percentage. For example, with a sales price of $100,000 and a mortgage loan of $80,000, your loan to value ratio would be 80%. Loans with an LTV over 80% may require Private Mortgage Insurance, defined below.

The ratio of the loan principal (amount borrowed) to the property's appraised value (purchase price) A $100,000.00 home with a mortgage of $80,000.00, has a loan to value ratio of 80%.

Ratio reflecting the mortgage loan amount to the appraised value or purchase price of a home.

The balance of the mortgage outstanding as a percentage of the home's price.

The ratio of the loan amount to the appraised value of the house. A down payment of 20% leaves a LTV of 80%.

A ratio in which the amount of the total loan is expressed as a percentage of the value of the real property securing said loan.

The relationship of a loan amount to the value of the collateral, calculated by dividing the loan amount by the value of the collateral.

The percent of fair market value a lender will lend on the purchase of a property.

The percentage of loan amount to the actual appraised value of the property.

The ratio of the mortgage loan principal (amount borrowed) to the property's appraised value (selling price). On a $100,000 home, with a mortgage loan principal of $80,000, the loan to value ratio is 80%.

(LTV) The ratio of the loan amount to the property valuation and expressed as a percentage (e.g. if a borrower is seeking a loan of $200,000 on a property worth $400,000, it has a 50% loan to value ratio; if the loan were $300,000, the LTV would be 75%); the higher the loan to value, the greater the lender's perceived risk; loans above normal lending LTV ratios may require additional security

The ratio of the amount of your loan to the appraised value of the home. The LTV will affect programs available to the borrower and generally, the lower the LTV the more favorable the terms of the programs offered by lenders.

The advance ratio of the principal amount of the mortgage as a function of the lending value of the property.

A ratio of the amount lent vs the value of the property. Expressed as a percentage. For example, a property with a value of $500,000 and a debt of $400,000, would have a loan to value of 80%. This is also the rate at which no Lenders Mortgage Insurance is usually required.

The relationship of a mortgage on a property to the property's true value. Essentially, the loan amount expressed as a percentage of either the purchase price or the appraised value of the home. For example, if you're buying a home that's appraised at $250,000 and your mortgage is $200,000, the LTV is .8 or 80%.

The ratio of the mortgage loan's principal to the property's appraised value or its sales price, whichever is lower.

Ratio of the principal balance of a mortgage loan to the appraised value or purchase price of the mortgaged property, whichever is lower.

A ratio determined by dividing the loan amount by the sales price or appraised value (whichever is less), expressed as a percentage. For example, with a sales price of $100,000.00 and a mortgage loan of $80,000.00, your loan to value ratio would be 80%. Loans with an LTV over 80% may require Private Mortgage Insurance.

Ratio of what you are borrowing against the value of the business.

The total loan amount divided by the value of the house.

The loan amount divided by the value of the property expressed as a percentage. Value is defined as the lower of sales price or appraised value of the property. Generally, the lower the LTV the more favorable the terms of the programs offered by lenders.

The ratio determined by dividing the sales or appraised value into the loan amount, with the result expressed as a percentage. Example, a sales price of $100,000 and a mortgage loan of $90,000, the loan to value ratio would be 90%. Loans with LTV's over 80% may require Private Mortgage Insurance (PMI).

The $ loan amount divided by the value of the asset being used as security. For example - a loan of $200,000 secured by a property worth $500,000 gives an LVR of 40%. The higher the LVR, the higher the perceived risk of the deal. Also, when an LVR is above 80% - Lenders Mortgage Insurance becomes involved (see separate definition)

The ratio of the mortgage loan principal (amount borrowed) to the property's appraised value (selling price). The Loan to Value ratio on a $100,000 home, with a mortgage loan principal of $80,000, is 80%.

The relationship, expressed in a percentage, between the amount of the loan and the appraised value or sales price (whichever is lower).

The ratio, expressed as a percentage, of the amount of a loan to the value or selling price of real property. LLPA - Loan Level Price Adjustment

The percentage of the home's price that is paid for by a mortgage. On a $100,000 house, if the buyer makes a $20,000 down payment and borrows $80,000, the mortgage is 80 percent of the price of the house. Therefore, the loan-to-value ratio is 80. When refinancing a mortgage, the loan-to-value ratio is computed using the appraised value of the home, not the sale price.

The loan amount in relationship to the appraised value of a property, expressed as a percentage.

A ratio used by lenders to calculate the loan amount requested as a percentage of the value of a home. To determine the loan to value ratio, divide the loan amount by the home's value. The LTV ratio is used to determine what loan types the borrower qualifies for as well as the cost and fees associated with obtaining the loan.

Total amount of loan divided by the property value.

The ratio of the sales price or appraised value to the loan amount. Obtained by divided price or value into loan amount. A vehicle with a $10,000 price and an $8,000 loan would have a loan-to-value ratio of 80 percent.