Financial Planning Tools
Loan-to-Value (LTV) Calculator — Maximum Loan Against Your Property
The Loan-to-Value ratio determines the proportion of a property's value that lenders can finance. Input your property valuation and requested loan amount below to check compliance against institutional norms.
Calculated LTV Ratio
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LTV Ratio FAQs
LTV is a financial term used by lenders to express the ratio of a loan to the appraised value of the property purchased or pledged as collateral. If a property is worth ₹50 Lakhs and the loan is ₹35 Lakhs, the LTV is 70%.
For regular home loans, lenders typically finance up to up to 80% of the property value (higher for lower loan brackets). For commercial properties, plots, or Loans Against Property (LAP), LTV is generally capped between 50% and 65%.
If your requested loan amount yields an LTV that is too high, you can lower it by increasing your down payment (margin money), paying down existing balances, or pledging additional collateral.
Not always. Institutional technical valuers assess property documents, built-up area, and Jantri rates. Lenders calculate LTV based on the lower of the agreement value or the official technical valuation report.
Used by home and LAP applicants across Ahmedabad, Gandhinagar and the Gujarat property market.
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