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
Loan-to-value ratio quietly determines a lot about a mortgage, whether you'll pay private mortgage insurance, what interest rate you qualify for, how easily you'll get approved, yet it's just a simple percentage that's easy to compute wrong if you divide by the wrong base or forget to multiply by 100. This calculator divides your loan amount by the property's appraised value and expresses the result as a percentage, showing exactly where your loan sits relative to the standard risk thresholds lenders use (80% is the common line for requiring mortgage insurance). Two inputs, loan amount and property value, remove any ambiguity about which figure goes in the numerator versus denominator. Knowing your LTV before applying for a loan means you can anticipate whether PMI or a rate premium applies, rather than being surprised by it in a loan offer.
Worked example
₹64,00,000 loan on an ₹80,00,000 property
Result: LTV = 80% (Moderate risk)
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