Loan-to-Value (LTV) Calculator
Calculate your loan-to-value ratio for a mortgage or property loan.
Assumptions used in this calculation
- Self-reported valuation: Uses the property value you enter, not an independent appraisal. Lenders base actual LTV on their own appraised value, which can differ from the purchase price.
- Single loan only: Calculates LTV for one loan against the property. If there's a second mortgage or home equity loan, lenders instead look at combined LTV (CLTV) across all liens.
About this calculator
The loan-to-value calculator finds the LTV ratio, loan amount as a percentage of appraised property value, a key metric lenders use to assess mortgage risk.
Worked example
₹64,00,000 loan on an ₹80,00,000 property
Result: LTV = 80% (Moderate risk)
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