The ratio of the principal balance of a home loan to the estimated market value. A $100,000 home with a $75,000 mortgage, for example, has a loan-to-value ratio of 75%. Few lenders will make a loan for the full value of a home; most have a maximum loan-to-value ratio of 75% to 90%.

The requested loan amount divided by the current value of the collateral. Defines the amount of money the Bank will loan against an asset's estimated value, expressed as a percentage of the asset's value.

The portion of the amount borrowed compared to the cost or value of the property purchased.

An expression of the loan as a percentage of the total appraised value of a piece of real estate. For residential, first mortgage liens in the U.S. to be conforming to Fannie Mae guidelines the LTV must be less or equal to 80%.

The percentage of the value of the property for which a mortgage is required. This ratio is important in determining whether or not default insurance is required. It also sets the premium for the default insurance. Maturity Date. The last day of the term of your mortgage agreement. The mortgage must be paid in full, or the agreement renewed by this date.

The ratio, expressed as a percentage, of the principal balance of a mortgage loan (the numerator) to the value or sales price of the related mortgage property (the denominator).

The name used to refer to a credit analysis ratio that measures collateral coverage. To calculate the LTV ratio, the total amount of the borrower's obligations to the bank is divided by the total calculated value for the collateral. For example, if the total collateral value is estimated to be $1,000,000 and the total amount of the borrower's obligations to the bank is $800,000, then the LTV ratio is 0.80 or 80percent.

The relationship between the mortgage and the lesser of the price or appraised value of the property, expressed as a percentage.

The percentage of the total loan amount to the appraised value or purchase price (whichever is lower) of the property.

The amount of a mortgage loan expressed as a ratio to the appraised value or purchase price of a parcel of real estate.

The loan divided by property value. If the house is valued at $200,000 and the loan is $180,000, the LTV is 80 percent. Borrowing above 80 percent LTV is considered risky by lenders, and they charge some sort of premium for it. In mortgages, borrowing more than 80 percent of the home's value usually triggers the need for private mortgage insurance. In home equity borrowing, you must pay a higher rate.

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 $10,000 and an auto loan of $8,000, your loan-to-value ratio would be 80 percent.

The mortgage amount divided by the lower of the purchase price or the appraised value of the property. This ratio is expressed as a percentage. A lender will use this ratio in determining the maximum mortgage loan that it will make on the property.

The ratio of the amount of your mortgage loan and the lower of sales price or appraised value.

is the loan amount divided by the value of the property.

The ratio of the amount of the loan to the appraised value or sales price of real property (expressed as a percentage).

is the ratio of the loan to the appraised value or purchase price of the property, whichever is lower, expressed as a percentage. aintenance fee - is a monthly fee paid by the condominium owner to the condominium corporation to maintain the development's common areas (called common elements), and often includes utilities in a highrise building, but verify before presenting your Offer. atrimonial home - is the home occupied by spouses as their family residence. More than one home can sometimes be registered as a matrimonial home.

The ratio of the mortgage balance to the current value of the underlying real estate collateral, expressed as a percentage.

The loan amount(s) as a percentage of the property's appraised value or sales price, whichever is less. For example, a loan amount of $57,000 on a home that has a sales price of $60,000 has a 95 percent loan-to-value ratio (57,000/60,000). A lender will use a loan-to-value ratio to determine the maximum amount it will lend on a property.

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

This is the ratio between the amount of the loan and the actual value of the home. Some loans can give you up to a 125% Loan-To-Value Ratio.

The ratio of the amount of a home loan to the appraised value of the home. For example, if you borrow $75,000 to buy a $100,000 house, the LTV is 75%. As a general rule, the lower the LTV, the more favorable the terms of the loan will be.

The ratio, expressed as a percentage, of the amount of a loan to the value or purchase price of real property. The higher the LTV, the less cash a borrower is required to pay as down payment.

The amount of money you owe on your loans as a percent of the market value of your home.

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

The amount of the new loan or line of credit added to the balance of any existing loans and then divided by the market value of your home. For example, if a home is worth $100,000 and the first mortgage amount is $80,000, the home has an 80 percent LTV.

The ratio of the amount of money owed on a home to the home's value. The LTV ratio for a $100,000 home financed with a $90,000 mortgage would be 90 percent, for example.

The relationship, expressed as a percentage, between your loan amount and the value of your property. See Combined Loan-to-Value Ratio

A ratio that is used by financial institutions representing the percentage of the amount of the loan to the lesser of the sales price or appraised value.

The ratio of mortgage to property value, usually expressed as a percentage.

The amount of a loan compared to the value of a property expressed as a percentage

Loan amount divided by the value of the property; typically expressed as a percentage.

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

The proportion of a home's value upon which an institution will issue a loan. Example: If you can obtain a 90% LTV loan for your new $100,000 home, the loan amount may be a maximum of $90,000.

The amount of money borrowed compared to the cost or value (appraised or sale price) of the real property purchased.

Homes: Loan-to-value ratio is a key factor in determining how much of a home you can qualify for. To calculate, divide the mortgage loan amount by the fair market of the home value. A recent appraisal is generally required to determine fair market value. If you have existing mortgage debt or are adding debt, divide the combined mortgage balance by the home value. For example, a mortgage loan of $150,000 on a home that is appraised at $200,000 has an LTV of 75%. As a general rule, mortgage loans that exceed an LTV of 80% require private mortgage insurance.

The percentage of a property's value that a lender can or may loan to a borrower. For example, if the ratio is 80% this means that a lender may loan 80% of the property's appraised value to a borrower.

A percentage derived by the amount of the loan to the appraised value of the property.

the ratio of the loan amount compared to the value of property. Referred to as "LTV".

This is the relationship - expressed in percentage - between the appraised property value and the loan amount.

The ratio (%) obtained by dividing the loan amount by the selling price. Example: A $90,000 loan on a $100,000 house would result in a 90% loan-to-value ratio.

The amount of loan, expressed as a percentage of a property's value or sale price, whichever is lower, that a lender may lend to a borrower.

A technical measure used by lenders to assess the relationship of the loan amount to the value of the property.

The ratio between the principal balance of a mortgage on a property and the appraised value (or sale price, if it is lower) of the property. Example: if a home is appraised at $100,000 and you are taking out an $85,000 mortgage, the LTV is 85%.

The loan-to-value ratio is the relationship of the loan to the value of the property, expressed as a percentage. For example the loan-to-value ratio of a $90,000 loan for a house costing $100,000 is 90%.

The ratio between the amount of any mortgages against a property divided by the sales price or appraised value.

The percentage of the property value that is being financed through a loan.

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

A mathematical equation mortgage experts use to describe the amount you've borrowed from a lender to buy a home, in relation to the total cost of the home. For instance, if you have borrowed $80,000 to buy a $100,000 home, the LTV for your loan is 80%. 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. Loans with an LTV over 80% may require Private Mortgage Insurance.

The percentage a lending institution will loan to the appraised value of a property. For example, if the property is appraised for $100,000 and a bank will loan only $70,000, the loan-to-value ratio is 70%.

The percentage of the property value borrowed ( loan amount divided by property value = loan-to-value ratio).

The ratio of mortgage amount to appraised value or sales price. This ratio is used by lenders to determine maximum loan amounts.

This refers to the maximum loan the lender is willing to make in relation to the appraised value.

The relationship between the amount of the mortgage and property value, usually shown as a percentage.

The ratio of the mortgage loan amount to the property's appraised value or selling price, whichever is less.

The relationship of the loan amount to the appraised value of the property or the sale price, whichever is lower. This ratio usually is expressed as a percentage. back to the top

The sum of current unpaid loan balances for all loans against a property divided by the current market value or appraised value of the property securing the loans. Loan -to-value ratio is usually expressed as a percentage.

The ratio between the amount of a given mortgage loan and the price, appraised value or estimated repaired value.

The ratio-expressed as a percentage-of the amount of a mortgage loan to the appraised value or selling price of a property.

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

The relationship between the loan amount and the value of the property (the lower of appraised value or sales price), expressed as a percentage of the property's value. For example, a $100,000 home with an $80,000 mortgage has an LTV of 80 percent.

(LTV) The amount of the loan divided by the purchase price of the house. It is the percentage that shows how much equity a borrower will have in a home. The LTV determines which products are available to the borrower.

The percentage comparison between the unpaid principal balance of the mortgage and the sales price or the appraised value of the property. Whichever is lower.

With regard to a first position loan, this is the total amount of the loan as a percentage of the total estimated value of the security. With regard to a subordinate position loan (a second or third, for example), this is the total amount of the loan added to the total amount of all superior liens as a percentage of the total estimated value of the security.

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%. ($80,000÷$100,000=.80)

The percentage of the home's price that is financed.

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

The ratio of the loan to the lending value of a property expressed as a percentage. For example, the loan-to- value ratio of a loan for $90,000 on a home which costs $100,000 is 90%.

The ratio between the loan amount and the value of the collateral. The ratio is commonly expressed to a potential borrower as the percentage of value a lending institution is willing to finance. The ratio is dynamic, and varies by such things as lending institution, property type, geographic location, and property size./td

A percentage computed by dividing the loan amount by the lesser of the selling price or the appraised value of the property. It is the percentage that shows how much equity a borrower will have in a home. Lock- in A written agreement guaranteeing a home buyer a specific interest rate on a home loan provide that the loan is closed within a certain period of time , such as 30 or 60 days. Lock-in agreements may or may not involve paying a fee to the lender.

The loan-to-value ratio is the relationship of the loan amount to the value of the home.

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

The ratio between the amount of a given loan and the lessor of the sales price or appraised value. (The difference between how much is owed on a property and the value of the property.)

Relationship between the amount loaned to the appraised value of the property.

The balance of your first mortgage and other outstanding liens on your property divided by the appraised value of your home.

The percentage of the total value of the property that is mortgaged.

the difference between the outstanding mortgage amount and the lower of the purchase price or the appraised value of a property. This ratio is expressed to a potential purchaser of a property in terms of the percentage a lending institution is willing to finance.

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

A comparison of the amount of the loan to the appraised value of the property.

a percentage that reflects the relationship between the amount of the mortgage loan and the appraised value of the property.

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 ratio of money a Lender is willing to loan relative to the appraised value of the property or other security.

The ratio of a proposed loan amount to a lesser of a property's appraised value or purchase price. For example, if a property is purchased for $110,000, appraised for $100,000 and the buyer is applying for a loan in the amount of $90,000, the LTV is 90% (90,000 divided by 100,000).

The proportional relationship of a mortgage loan to the value of a home, expressed as a percentage. For instance a $100,000 home purchased with a $75,000 mortgage would have an LTV of 75 percent.

The amount of the loan as a percentage of the property's appraised value. An 80% loan, for example, is determined by subtracting a 20% down payment from the property's appraised value.

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

The ratio of the loan amount to the value or selling price of the property. LTV ratios over 80% often require loan insurance, and sometimes also involve higher interest rates.

The ratio of the total amount borrowed on a mortgage against a property compared to the appraised value of the property. For example, if you have an $80,000 1st mortgage on a home with an appraised value of $100,000, the LTV is 80% ($80,000 / $100,000 = 80%).

A measure of how heavily mortgaged a property is and how likely the owner is to default on his or her debts.

The relationship between the value of property and the loan amount.

The loan amount expressed as a percentage of the lower of the appraised value or purchase price of the property. For example, a 90% LTV loan means a 10% downpayment or financing 90% of the sales price or appraised value of the property. There are often different maximum LTV limitations for different loan programs.

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 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 relationship between the amount of loan(s) against a property and the appraised value of the property.

The relationship between the amount of the mortgage loan and the value of the real estate being pledged as collateral.

The ratio, expressed as a percentage, of the amount of a loan (numerator) to the value or selling price of the property (denominator). Usually, the higher the percentage, the greater the interest charged.

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

The percentage of the current outstanding amount of a loan as a ratio of the value of the property secured by the loan. Example: A $100,000 property with an outstanding loan amount of $79,500 would have an LTV of 79.5 percent.

In a mortgage loan, the amount borrowed relative to the value of the property. An LTV of 80% means that the mortgage loan is for 80% of the value of the property, with the borrower making a 20% downpayment.

The comparison relationship between the amount of the mortgage loan and the fair market value of the real estate being used to secure the loan.

Loan-to-value ratio or LTV is expressed as a percentage where the amount of the loan is divided by the amount that the vehicle is worth.

The ratio of the amount of money you wish to borrow compared to the value of the property you wish to purchase. Institutional investors (who buy loans on the secondary market from your mortgage company) set up certain ratios that guide lending practices. For example, the mortgage company might only lend you 75 percent of a property's value.

Loan amount divided by the fair market value of the collateral, generally the appraisal value. For instance, a lender considering an 80 percent LTV on a home appraised at $250,000 would consider a loan request of $200,000. When considering a home equity loan, the lender will consider the combined LTV, assuming full disbursement of the equity loan. For instance, if a lender will consider a 90 percent combined LTV in the same example, he would consider a home equity loan request of $25,000 for combined debt that equals 90 percent of the appraisal value.

The ratio of the loan amount on a property and the property's value or purchase price.

The ratio of the amount of money you borrow compared to the value of the property. For example, if you put 5% down you will have a loan of 95% of the value of the property or an LTV of 95% (loan amount / property value=LTV).

The ratio, expressed as a percentage, of the amount of the loan (numerator) to the value or selling price of real property (denominator). For example, if you have an $80,000 1st mortgage on a home with an appraised value of $100,000, the LTV is 80% ($80,000 / $100,000 = 80%).

A percentage that determines what amount the mortgage loan is of the appraised value or purchase price, whichever is lower.

The amount of a mortgage loan compared to the value of the property purchased. A $100,000 house with a loan of $80,000 has an 80% loan-to-value ratio.

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.

The comparison of the amount owed on a mortgaged property to its fair market value.

The ratio of the mortgage loan amount to the properties appraised value (or the selling price whichever is less).

The relationship between the unpaid principal balance of the mortgage and the appraised value (or sales price if it is lower) of the property.

The comparison of the loan amount to the purchase price of the home, expressed as a percentage (loan amount divided by the purchase price).

The loan amount divided by the lesser of the selling price or the appraised value. Also referred to as LTV.

The relationship between the amount of a mortgage and the total value of the property.- Back To The Top

The portion of home's value purchased via the employment of a mortgage. For example, if a homeowner purchases a house for $100,000 and takes out a mortgage for $70,000, then the loan-to-value ratio is 70 percent. In the event of refinancing, this ratio is assessed based upon the appraised value of the property, rather than the original purchase price.

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

The percentage of the value of the property for which a mortgage is required. This ratio is important in determining whether or not default insurance is required, and if so, what the cost of that insurance will be (see "Mortgage Insurance") For example, if the property value is $200,000, the down payment available is $20,000 and the required mortgage is $180,000. The LTV is $180,000 / $200,000 or 90%.

The ratio that results when the amount of the loan is divided by the value of the subject property.

Ratio of money borrowed to fair market value, usually in reference to real property.

Relationship expressed as a percent between the principal amount of a loan and the appraised value of the asset securing the financing. If the borrower has a $200,000 mortgage on a home appraised at $240,000, the loan-to-value ratio is 83%. Generally, the lower the LTV, the higher the equity position in the home, and the greater the likelihood that the borrower will be able to repay the loan.

Total loan amount divided by the appraised value of property.

The ratio of the principal balance of a mortgage loan to the value of the securing property, as determined by the purchase price or Appraised Value, whichever is less.

The amount borrowed (also known as LTV) divided by the appraised value of the collateral, expressed as a percentage.

The relation between the mortgage amount and the appraised value of the property, expressed as a percentage of the appraised value.

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

The percent of the appraised value of the property to the amount loaned. For example: a home is appraised at $100,000 and you want to borrow $80,000 that is an 80% loan-to-value. Lenders often have a maximum loan-to-value requirement depending on the loan.

The ratio between the amount of the mortgage and the total value of the property.

Ratio of the loan against the real property to its appraised value or sales price.

the amount of a loan in relation to the appraised value or selling price of the property.

(LTV) A ratio used to determine the amount of money a lender will loan based on the value of the auto. It is calculated by dividing the loan amount by the Retail Value or Manufacturer's Suggested Retail Price ( MSRP).

The ratio, usually shown as a percentage, between the mortgage amount and the property value.

The relationship between the mortgage amount and the sale price or appraised value of a property, expressed as a percentage.

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

The relationship of a mortgage loan amount to the appraised value of a property. This ration is expressed to a potential buyer in terms of the percentage a lending institution is willing to finance.

The relationship between the loan amount and the selling price.

The ratio of a mortgage loan principal to the property's appraised value or its sales price, whichever is lower. Loan-to-value ratios vary depending upon the individual lender's policy.

is the amount borrowed to purchase property compared to the sale price or the appraised value (whichever is lower) of that property. It is expressed as a percentage. For example, if one is buying a house for $100,000, and arranges for a $90,000 loan, the LTVR is 90%.

the ratio of a mortgage loan principal to the property's appraised value or its sales price, whichever is lower. Ratio's depend on the individual lender's policy.

The ratio of the amount of money owed on a home to the home's value. The difference between these two figures initially is the down payment.

A ratio reporting the relationship between the current mortgage debt and market value the property. To calculate, divide the current amount due on mortgage loans, by the current value of the property.

The balance of all mortgages and liens on the property divided by the fair market value of the property.

The ratio determined by dividing the balance of a mortgage loan by the appraised value of the real estate. For instance, if the balance on a mortgage loan is $80,000 and the appraised value of a home is $100,000, the LTV is 80%.

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

A term used to describe the ratio of debt to the actual value of a property. If a property is worth $150,000 and a total debt of $75,000 outstanding, the loan-to-value ratio is $75,000/$150,000, or ½ loan and ½ equity. This term may also be quoted as a percentage, the above example being 50 percent loan to value.

The relationship between the mortgage amount and the total property value.

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

The ratio of the total loan amount to the value of the property. For lending purposes, the value is equal to the purchase price or the appraised value, whichever is lower.

the ratio of the loan or borrowed amount to the value of the home. LTV is expressed as a percent.

The percentage of the loan amount to the appraised value (or the sales price, whichever is less) of the property.

The percent of the appraised value of the property that the lender is willing to lend. For example, if a home is appraised at $45,000 and the lender has an 80% loan-to-value ratio, the most you could borrow would be $36,000 (45,000 x .80).

Your loan-to-value (LTV) ratio is a calculation factor of the fair market value of your property to the value of the mortgage that will finance its purchase. For example, if your property is worth $100,000 and you made a down payment of $25,000, your LTV is 75% (($100,000 - $25,000) x 100%). That means you have 25% of your personal equity invested in your property. The LTV tells the lender if it will be possible to recoup its losses by selling your property, in case of default. The LTV also determines whether or not mortgage default insurance is required.

The relationship of a mortgage to the appraised value of the property. This value is expressed in terms of a percent. A 90 percent Loan to Value (LTV) means the loan is for 90 percent of the property value.

the relationship between the amount of a mortgage and the total value of the property; Example: $100,000 Purchase Price with $95,000 loan, LTV is 95

the relationship between the mortgage on a property and its value. If the mortgage is $80,000 and the property is worth $100,000, the loan-to-value is 80 percent.

A figure which represents the size of the mortgage in relation to the market value of the home (the lesser of the appraised value or sales price). For example, a $90,000 loan used to purchase a $100,000 home is said to have an 90% LTV: 90% of the home's value is covered by the mortgage amount, with 10% covered by the down payment. In cases where mortgage insurance coverage is required, LTVs are categorized as follows: 85% LTV and under (called "85%"); greater than 85% to 90% LTV (called "90%"); greater than 90% to 95% LTV (called "95%"); and greater than 95% to 97% LTV (called "97%").

What you're borrowing compared to the price. The smaller your down payment is, the higher the ratio and the riskier the mortgage. When you apply for a loan, a lender will study the ratio closely.

A percentage that shows how much equity a borrower will have in a home. LTV compares how much a person plans to borrow versus the property's value. For example, a 90% LTV loan that means you want to borrow 90% of the home's price and will have a 10% down payment (or equity if you're refinancing). This gives you 10% equity in your property. All lenders use LTV as a guideline to figure out if you're a high-risk loan candidate. The higher the LTV, the more risk that a lender takes, causing them to pull out their magnifying glass to check your finances. Also, if your LTV is over 80%, the lender requires that you buy Private mortgage insurance (PMI). The LTV cut-off will vary depending on the lender and the type of loan that you want. For example, our lenders' maximum LTV for a loan to buy a home that you intend to live in is 95%.

LTV refers to the relationship between the amount of a borrower's mortgage and the value of the mortgaged property.

Ratio determined by dividing the loan amount by the lesser of the sales price or the appraised value; expressed as a percentage.

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

The amount of a loan divided by the value of the property. Used by lenders as a measure of risk.

The figure, usually expressed as a percentage, which states the relationship between the mortgage loan amount and the appraised value of the associated real estate property.

The ratio that the amount of the loan bears to the appraised value of the property or the sales price, whichever is lower.

The ratio of the amount being loaned in respect to the appraised value of the property, usually expressed as a percentage. If a buyer was putting down $20,000, and borrowing a first lien of $180,000, on a $200,000 property, then the loan would have a 90% LTV. Loan-to-value ratios can effect interest rates, loan qualifying criteria, and lender requirements for PMI and escrow accounts.

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

Relationship between amount borrowed and appraised value (or sale price) of a property.

Proportion of a home's value upon which an institution will issue a loan. It is calculated by dividing the loan amount by the lesser of the sales price or appraised value of a property.

Also known as LTV; it is the amount of the loan, expressed as a percentage of the appraised value, that a lender will loan on a property. Example; An 80/20 LTV means the lender will loan 80% of the appraised value and the buyer will have to come up with a 20% cash down payment.

The relationship of a mortgage to the appraised value of a security. This ratio is expressed to a potential purchaser of property in terms of the percentage a lending institution is willing to finance.

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 amount of money borrowed compared to the value (appraised or sale price, whichever is lower) of the real property purchased.

The ratio between the unpaid principal amount of your loan, or your credit limit in the case of a line of credit, and the appraised value of your collateral. Expressed as a percentage.