# Definition Loan To Value

A loan-to-value (LTV) ratio is a financial term used by lenders to describe the ratio between the value of your home loan and the home’s value, and represent the first mortgage line as a percentage of the total appraised value of your home.

A loan to value (ltv) ratio describes the size of a loan you take out compared to the value of the property securing the loan. Lenders and others use LTV’s to determine how risky a loan is. A higher ltv ratio suggests more risk because the assets behind the loan are less likely to pay off the loan as the LTV ratio increases.

What Does Refinancing A Mortgage Mean What does refinance a mortgage mean? | Yahoo Answers – Refinancing means the existing mortgage is paid off and a "new" mortgage is taken out. The old mortgage is replaced by the new mortgage. Usually this is done when you are getting a better interest rate. If it is a 1st mortgage then it will still be a 1st mortgage.

The loan-to-value ratio is the home loan compared to the appraised value of the property. The higher the LTV, the more risk you pose to the lender.

A loan-to-value ratio (LTV) is the total dollar value of your loan divided by the actual cash value (ACV) of your vehicle. It is usually expressed as a percentage. Your down payment reduces the loan to value ratio of your loan.

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Loan to Value Ratio Definition. The Loan to Value Ratio Calculator is a financial calculator that will instantly calculate the loan to value (LTV) ratio of any property if you enter in the mortgage amount and the property value. The loan to value calculation is an important financial calculation that is done by homeowners and lenders to determine if the homeowners has enough equity in their.

Define loan-to-value. loan-to-value synonyms, loan-to-value pronunciation, loan-to-value translation, English dictionary definition of loan-to-value. n the ratio between the sum of money lent in a mortgage agreement and the lender’s valuation of the property involved.

The loan-to-value (LTV) ratio is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. The term is commonly used by banks and building societies to represent the ratio of the first mortgage line as a percentage of the total appraised value of real property .

Now as you’ve probably heard, the ideal deposit amount is 20% of the property value, as this will give you a loan to value ratio (LVR. or extra repayments facility (see below for a full definition).