{"id":578,"date":"2021-06-08T12:37:18","date_gmt":"2021-06-08T12:37:18","guid":{"rendered":"https:\/\/www.loanfasttrack.com\/blog\/?p=578"},"modified":"2022-07-23T10:17:45","modified_gmt":"2022-07-23T10:17:45","slug":"loan-to-value-ratio","status":"publish","type":"post","link":"https:\/\/www.loanfasttrack.com\/blog\/blog\/mortgage-loan\/loan-to-value-ratio\/","title":{"rendered":"Loan-To-Value Ratio (LTV) (All You Need To Know About LTV)"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"819\" src=\"https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2021\/06\/Apply-For-Instant-Loan-in-Mumbai-1024x819.png\" alt=\"Loan-To-Value Ratio \" class=\"wp-image-579\" srcset=\"https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2021\/06\/Apply-For-Instant-Loan-in-Mumbai-1024x819.png 1024w, https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2021\/06\/Apply-For-Instant-Loan-in-Mumbai-300x240.png 300w, https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2021\/06\/Apply-For-Instant-Loan-in-Mumbai-768x614.png 768w, https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2021\/06\/Apply-For-Instant-Loan-in-Mumbai-800x640.png 800w, https:\/\/www.loanfasttrack.com\/blog\/wp-content\/uploads\/2021\/06\/Apply-For-Instant-Loan-in-Mumbai.png 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>LTV Meaning<\/strong><\/h2>\n\n\n\n<p>LTV is one of the major factors in determining your loan eligibility especially in secured loans such as home loans, mortgage loans &amp; commercial loans where a property is pledged as a collateral to <a href=\"https:\/\/www.loanfasttrack.com\/Apply-now.html\"><strong>avail a loan<\/strong><\/a>. It is an important determinant based on which the lender Banks\/NBFCs\/HFCs approves the loan. LTV full form is Loan-To-Value. It is always expressed in a percentage. <\/p>\n\n\n\n<p>The\nLTV ratio in housing loans differs with the market value of the property while\nthe LTV ratio for the <a href=\"https:\/\/www.loanfasttrack.com\/loan-against-property.html\"><strong>mortgage loans<\/strong><\/a> &amp; commercial loans remain\nuniform irrespective of the loan amount and the market value of the property. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Importance Of LTV<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>The lender uses the LTV ratio\nto assess the risk involved in approving secured loans of <a href=\"https:\/\/www.loanfasttrack.com\/home-loan.html\"><strong>home\nloans<\/strong><\/a>, mortgage loans and commercial loans. <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>The LTV helps you to know the\nmaximum loan amount you can get against the property. <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>The higher LTV means you have to pay less down payment for purchasing a property. <br><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/how-big-must-be-your-down-payment-on-a-home-purchase\/\"><strong>Read more to find out how big must be your down payment for buying a home.<\/strong><\/a><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>The LTV determines that the\nlenders do not over-lend to the cost of the property. <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>The lower LTV can earn you\nthe <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/home-loan-comparison-chart-of-leading-banks\/\"><strong>best home loan interest rates<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong>best mortgage loan rates<\/strong><\/a> &amp; <a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong>best<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong> interest on commercial property<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong> loans<\/strong><\/a>. <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>You can avail the additional <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>top up loan on home loan<\/strong><\/a>, top up loan on mortgage loan and top up loan on commercial loan \/ industrial loan if the LTV criteria is met.<br><strong>Additional Read<\/strong>: <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/3-best-home-loan-top-up-loans-in-india\/\"><strong>3 Best home loan top up loans in India<\/strong><\/a><strong>, <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/icici-bank-home-loan-top-up\/\"><strong>ICICI Bank home loan top up<\/strong><\/a><strong>.<\/strong><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>In mortgage loan\/loan against\nproperty you can enhance your loan eligibility by considering your multiple\nproperties for LTV calculation.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>RBI Norms On LTV Funding<\/strong><\/h2>\n\n\n\n<p>The\nRBI has set up norms on the LTV funding on the loans, for all lenders.\nAccording to the norms the lenders cannot lend above the standard loan to value\nratio. Given below is the grid on the RBI guidelines on LTV funding Ratio,\napplicable for all lenders for home loans, <a href=\"https:\/\/www.loanfasttrack.com\/loan-against-property.html\"><strong>mortgage loans<\/strong><\/a>, commercial loans &amp; industrial\nproperty loans.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n  <strong>&nbsp;<\/strong>\n  <strong>Home Loan<\/strong>\n  <\/td><td>\n  <strong>Mortgage Loan<\/strong>\n  <\/td><td>\n  <strong>Commercial Loan<\/strong>\n  <\/td><td>\n  <strong>Industrial Property Loan<\/strong>\n  <\/td><\/tr><tr><td>\n  <strong>Property Market Value <\/strong>\n  <\/td><td>\n  <strong>LTV Ratio RBI<\/strong>\n  <strong>&nbsp;<\/strong>\n  <strong>(% of the property market value)<\/strong>\n  <\/td><\/tr><tr><td>\n  Below Rs.30 Lakhs\n  <\/td><td>\n  90%\n  <\/td><td>\n  &nbsp;\n  &nbsp;\n  Up-to 70%\n  <\/td><td>\n  &nbsp;\n  &nbsp;\n  Up-to 70% \n  <\/td><td>\n  &nbsp;\n  &nbsp;\n  50% &#8211; 60%\n  <\/td><\/tr><tr><td>\n  Rs.30 Lakhs &#8211; Rs. 75 Lakhs\n  <\/td><td>\n  80%\n  <\/td><\/tr><tr><td>\n  Above Rs.75 Lakhs\n  <\/td><td>\n  75% \n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The LTV Ratio Calculation &amp;\nEligibility Calculation <\/strong><\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/what-do-you-mean-by-loan-eligibility-in-home-loan\/\"><strong>loan eligibility<\/strong><\/a> of the borrower is calculated on the basis of his income eligibility subject to the LTV funding ratio i.e. the lower figure of the two will be his loan eligibility. The eligibility will be calculated as under: &#8211; <\/p>\n\n\n\n<p>a) Income Eligibility &#8211; <br><strong>{[(Net income per month X FOIR %) &#8211; Current Obligation] \u00f7 Per Lakh EMI}<\/strong><\/p>\n\n\n\n<p>b) Eligibility as per market value of the property &#8211; <br><strong>Market value of the property X applicable LTV %<\/strong><\/p>\n\n\n\n<p>(FOIR stands for fixed obligation against income\nratio) <\/p>\n\n\n\n<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <strong>Loan To Value Ratio Formula<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>LTV calculation for Home Loan\n&#8211; <strong>Market value of the property X Up-to\n90%<\/strong><\/li><li>LTV <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/all-about-mortgage-loan\/\"><strong>Mortgage<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/all-about-mortgage-loan\/\"><strong> Loan<\/strong><\/a> &#8211; <strong>Market value\nof the property X Up-to 70%<\/strong><\/li><li>For Commercial Loan &#8211; <strong>Market value of the property X Up-to 70%<\/strong><\/li><li>For Industrial Property Loan\n&#8211; <strong>Market value of the property X Up-to\n60%<\/strong><\/li><\/ul>\n\n\n\n<p><strong>Additional Read: <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/3-popular-home-loan-schemes-of-the-top-mortgage-lenders\/\"><strong>3 Popular home loan schemes of the top lenders<\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Best Lenders That Provide The Maximum\nFunding<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/why-choose-icici-bank-home-loans\/\"><strong>ICICI Bank<\/strong><\/a><strong> &#8211; <\/strong>ICICI bank provides the best LTV rates. It provides the maximum LTV for home loans which is 90% of the market value of the property for home loan &amp; 70% for mortgage loan &amp; <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/commercial-property-loan-with-icici-bank-by-loanfasttrack\/\"><strong>commercial loan with ICICI Bank<\/strong><\/a> and 60% for industrial property loan.<br><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/why-apply-home-loan-with-icici-bank-by-loanfasttrack\/\"><strong>Read to find out additional reasons for applying home loans with ICICI Bank<\/strong><\/a>.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/why-choose-hdfc-ltd-home-loan\/\"><strong>HDFC<\/strong><\/a><strong> &#8211; <\/strong>HDFC provides the best LTV\nratio of 90% on the home loans &amp; 100% funding on home extension loans and\nhome improvement loans.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/canara-bank-home-loan\/\"><strong>Canara Bank<\/strong><\/a><strong> &#8211; <\/strong>Canara Bank provides the best\nloan to value ratio for home loans of 90% for purchasing a new property\/builder\npurchase. <\/li><\/ul>\n\n\n\n<p>The\nmajor difference in LTV funding between private banks and nationalized banks is\nthe age of the property. With many nationalized banks the LTV ratio for home\nloans is restricted to 80% or 75% depending on the age of the property. If the\nproperty age is less than or equal to 10-15 years the LTV ratio for housing\nloan will be restricted to 80% and if the property is more than 10-15years old\nthe LTV ratio applicable will be 75% of the market value of the property.\nFurther the LTV in home loan also varies depending on the quantum of the home\nloan that you borrow. While with the private banks the LTV ratio remains the\nsame irrespective of the loan amount and the age of the property, the\nnationalized banks have low LTV ratios.&nbsp; <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>LTV And Home Loan Interest Rates<\/strong><\/h2>\n\n\n\n<p>High\nloan to value indicates higher risks for funding to the lenders while a low\nloan to value ratio indicates lower risks of funding. Therefore, a lower LTV\nratio earns you a better chance for home loan terms and to get a home loan at\nlowest interest rates. The lower the LTV ratio the lower are the home loans\nterms &amp; conditions and interest rates of the lenders and vice-a-versa.<\/p>\n\n\n\n<p>There\nare banks whose home loan interest rates vary from applicant to applicant\ndepending on their <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/cibil-and-its-significance-in-home-loan\/\"><strong>CIBIL scores<\/strong><\/a> and LTV %, such as SBI, Kotak Bank,\netc. With <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/sbi-home-loan\/\"><strong>SBI\u2019s Flexi pay home loan<\/strong><\/a> and <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/kotak-mahindra-bank-home-loan\/\"><strong>home loans with Kotak Mahindra Bank <\/strong><\/a>you will be charged with the\ninterest rates which will vary depending on the LTV % of the market value of\nthe property irrespective of the loan amount that you borrow. In Kotak the\ninterest rates charged for home loans are divided into two LTV categories i.e.,\nbelow 80% LTV on home loan and LTV between 80% &#8211; 90%. The interest rates for\nLTV 80% &#8211; 90% are 0.10%-0.15% higher over the interest rates available for the\nLTV below 80%.<\/p>\n\n\n\n<p>However,\nthe interest rates with the banks such as ICICI &amp; HDFC which tops the\nranking for maximum funding, has uniform home loan interest rates irrespective\nof the LTV ratios and the loan amount. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Important Notes:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Market value of the property is important to determine the\nloan to value.<\/strong><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Remember when your loan requirement is minimum against the\nhigh value of the pledged property, your LTV percentage is minimum and your\nchance to secure a low cost home loan\/low cost mortgage loan\/ low cost commercial\nloan &amp; industrial property loan is high because of the low risk to the\nlender Banks\/NBFCs\/HFCs.<\/strong><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>LTV constraints on the property funding is one of the common\nreasons why your home loan gets rejected or <\/strong><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/loan-against-property-at-lowest-interest-rate-with-loanfasttrack\/\"><strong>mortgage loan<\/strong><\/a><strong>\/commercial\nloan\/industrial property loan gets rejected.<\/strong><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>The lower the loan to value ratio the higher the own funds\nyou need to pay to purchase a property. <\/strong><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>The maximum LTV for home loan is 90% of the property\nvaluation.<\/strong><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-table aligncenter\"><table class=\"has-subtle-pale-pink-background-color has-background\"><tbody><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong><em>Apply For A Home Loan<\/em><\/strong><\/a><strong><em><\/em><\/strong>\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Current Home Loan Interest Rates Of\nThe Leading Banks<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n  <strong>Bank Name<\/strong>\n  <\/td><td>\n  <strong>Home Loan Rate Of Interest <\/strong>\n  <\/td><td>\n  <strong>Home Loan Processing Fees<\/strong>\n  <\/td><td>\n  <strong>Loan Tenure<\/strong>\n  <\/td><\/tr><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/why-choose-icici-bank-home-loans\/\"><strong>ICICI\n  Bank<\/strong><\/a>\n  <\/td><td>\n  6.80% p.a. onwards\n  <\/td><td>\n  0.30% of the loan amount + applicable GST\n  <\/td><td>\n  Up-to 30 years \n  <\/td><\/tr><tr><td>\n  <strong><em>Limited period offers with\n  ICICI Bank<\/em><\/strong>\n  <\/td><td>\n  <strong><em>Zero processing fees (PF) for\n  cases above Rs.1 crore. Applicable GST on the PF to be paid by the borrower.<\/em><\/strong>\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>CLICK<\/strong><\/a>.\n  <\/td><\/tr><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/why-choose-hdfc-ltd-home-loan\/\"><strong>HDFC\n  Bank.<\/strong><\/a>\n  <\/td><td>\n  6.700% p.a. onwards\n  <\/td><td>\n  Up-to 0.50% &#8211; up-to 1.50% of the loan amount\n  + applicable GST\n  <\/td><td>\n  Up-to 30 years\n  <\/td><\/tr><tr><td>\n  <strong><em>Limited period offers with\n  HDFC Bank<\/em><\/strong>\n  <\/td><td>\n  <strong><em>Rs.5,900\/- + GST (For\n  Salaried)<\/em><\/strong>\n  <\/td><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>CLICK<\/strong><\/a>.\n  <\/td><\/tr><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/canara-bank-home-loan\/\"><strong>Canara\n  Bank<\/strong><\/a>\n  <\/td><td>\n  6.90% p.a. onwards.\n  <\/td><td>\n  Rs.10,000\/- + applicable GST\n  <\/td><td>\n  Up-to 30 years\n  <\/td><\/tr><tr><td>\n  <a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/home-loan\/home-loan-comparison-chart-of-leading-banks\/\"><strong>Click\n  to get the complete chart<\/strong><\/a><strong><\/strong>\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>By, <\/p>\n\n\n\n<p>Loanfasttrack<\/p>\n\n\n\n<p>Loanfasttrack\nis a Mumbai based loan provider company since 2015 offering loan services in\nMumbai on&#8211; <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>housing loan in\nMumbai<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong>mortgage loan in\nMumbai<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\"><strong>personal loan in\nMumbai<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\">,<\/a><a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"><strong>business Loan in\nMumbai<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/business-loan.html\"><strong>unsecured business loans<\/strong><\/a>,<a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>home loan transfe<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>r<\/strong><\/a>, <a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>top-up loans<\/strong><\/a> and <a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>loan transfers<\/strong><\/a>. Loanfasttrack is a direct\nsales associate with leading banks namely, ICICI Bank, HDFC Ltd, Canara Bank,\nCiti Bank, Piramal Housing Finance, etc.<\/p>\n\n\n\n<p>Loanfasttrack\u2019s\nspecialized services include providing:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The<a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-housing-loan-in-india\/\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-housing-loan-in-india\/\"><strong>best bank for home\n<\/strong><\/a><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-housing-loan-in-india\/\"><strong>loan<\/strong><\/a><strong>.<\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/blog\/blog\/finance\/best-banks-for-mortgage-loan-in-india\/\"><strong>Best Banks For Mortgage Loan In India<\/strong><\/a><strong><\/strong><\/li><li>Assured low interest rates\nfor<a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/mortgage-loan\/apply-online-now.html\"><strong>loan against\nproperty in Mumbai<\/strong><\/a>.<\/li><li>Lowest<a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/home-loan\/apply-online-now.html\"><strong>home loan rates in\nMumbai<\/strong><\/a><strong>.<\/strong><\/li><li><a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\"><strong>Instant loan in\nMumbai<\/strong><\/a><strong>.<\/strong><\/li><li>Instant <a href=\"https:\/\/www.loanfasttrack.com\/personal-loan\/apply-online-now.html\"><strong>personal loan in Mumbai<\/strong><\/a> &amp;<a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/business-loan\/apply-online-now.html\"><strong>business loan in\nMumbai<\/strong><\/a><\/li><li>Low cost<a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"> <\/a><a href=\"https:\/\/www.loanfasttrack.com\/balance-transfers.html\"><strong>home loan balance\ntransfer<\/strong><\/a>.<\/li><\/ul>\n\n\n\n<p><strong>Contact Loanfasttrack<\/strong><strong>: <\/strong><\/p>\n\n\n\n<p><strong>Website<\/strong><strong> &#8211; <\/strong><a href=\"http:\/\/www.loanfasttrack.com\"><strong><em>www.loanfasttrack.com<\/em><\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<p><strong>Email<\/strong><strong> &#8211; <\/strong><a href=\"mailto:info@loanfasttrack.com\"><strong><em>info@loanfasttrack.com<\/em><\/strong><\/a><strong><\/strong><\/p>\n\n\n\n<p><strong>Tel<\/strong><strong> &#8211; <em>9321020476<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>LTV Meaning LTV is one of the major factors in determining your loan eligibility especially in secured loans such as home loans, mortgage loans &amp; commercial loans where a property is pledged as a collateral to avail a loan. It is an important determinant based on which the lender Banks\/NBFCs\/HFCs approves the loan. LTV full &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33,57,329,4],"tags":[1022,14,182,249,1018,1024,1017,1008,780,99,1064,1020,25,1044,1041,11,1032,13,9,1051,1042,12,810,1050,1063,24,10,1030,1014,1057,93,1035,1021,1037,1036,1033,1038,1040,1034,561,1010,94,1029,1048,1049,1052,1053,1013,1009,1012,1058,1054,1026,1011,1062,1015,1016,1055,1028,1056,1023,1047,1027,1043,1025,1019,1045,1060,1061,1059,1046],"class_list":["post-578","post","type-post","status-publish","format-standard","hentry","category-finance","category-home-loan","category-lease-rental-discounting","category-mortgage-loan","tag-a-low-loan-to-value-ratio-indicates","tag-best-bank-for-home-loan","tag-best-housing-loan-rates-in-mumbai","tag-best-loan-against-property-interest-rates","tag-best-loan-to-value-ratio","tag-best-ltv-rates","tag-best-ltv-ratio","tag-cheapest-home-loan-interest-rates","tag-eligibility-for-first-time-home-buyer","tag-fixed-vs-floating-home-loan-interest-rates","tag-hdfc-online-home-loan-application","tag-high-loan-to-value","tag-home-loan-balance-transfer","tag-home-loan-eligibility-for-joint-applicants","tag-home-loan-for-cibil-defaulters","tag-home-loan-in-mumbai","tag-home-loan-lowest-rate-of-interest","tag-home-loan-rates-in-mumbai","tag-home-loan-transfer","tag-home-loan-value-calculator","tag-housing-loan-for-cibil-defaulters","tag-housing-loan-in-mumbai","tag-how-is-ltv-calculated","tag-how-to-calculate-ltv-in-home-loan","tag-icici-bank-home-loan-apply-online","tag-loan-against-property-eligibility","tag-loan-against-property-in-mumbai","tag-loan-to-value-ratio-for-home-loans","tag-loan-to-value-ratio-formula","tag-loan-to-value-ratio-rbi","tag-loan-to-value-ratio","tag-low-fixed-rate-home-loan","tag-low-ltv","tag-lowest-fixed-interest-rate-home-loan","tag-lowest-fixed-interest-rates-for-home-loan","tag-lowest-home-loan-interest-rate","tag-lowest-home-loan-interest-rates-in-mumbai","tag-lowest-home-loan-rates-in-mumbai","tag-lowest-interest-rate-home-loan","tag-lowest-interest-rate-mortgage","tag-lt-full-form","tag-ltv","tag-ltv-calculation-for-home-loan","tag-ltv-customer","tag-ltv-formula","tag-ltv-housing-loan-guidelines-rbi","tag-ltv-housing-loan-rbi","tag-ltv-in-home-loan","tag-ltv-meaning","tag-ltv-mortgage","tag-ltv-mortgage-calculator","tag-ltv-norms-for-housing-loan","tag-ltv-on-home-loan","tag-ltv-ratio","tag-ltv-ratio-calculator-sbi","tag-ltv-ratio-for-home-loan","tag-ltv-ratio-for-housing-loan","tag-ltv-ratio-home-loan-sbi","tag-ltv-ratio-in-housing-loan","tag-ltv-ratio-in-housing-loan-in-india","tag-ltv-ratio-rbi","tag-ltv-cac","tag-maximum-ltv-for-home-loan","tag-minimum-cibil-score-for-home-loan","tag-standard-loan-to-value-ratio","tag-the-lower-the-loan-to-value-ratio-the-higher-the","tag-what-does-60-ltv-mean","tag-what-does-80-ltv-mean","tag-what-is-a-good-loan-to-value-ratio","tag-what-is-a-good-loan-to-value-ratio-for-refinance","tag-what-is-a-good-ltv"],"_links":{"self":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts\/578","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/comments?post=578"}],"version-history":[{"count":2,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts\/578\/revisions"}],"predecessor-version":[{"id":767,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/posts\/578\/revisions\/767"}],"wp:attachment":[{"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/media?parent=578"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/categories?post=578"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.loanfasttrack.com\/blog\/wp-json\/wp\/v2\/tags?post=578"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}