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. In real estate, the...
8 KB (1,121 words) - 12:40, 9 April 2024
participation by the lender in some loans). The lender also may require cross-collateralization and a lower loan-to-value ratio. On the other hand, they are...
14 KB (1,909 words) - 15:56, 2 June 2024
price or appraised value (in other words, if the loan-to-value ratio (LTV) is 80% or more). Once the principal is reduced to 80% of value, the PMI is often...
7 KB (980 words) - 05:50, 5 January 2024
reasonable loan-to-value and combined loan-to-value ratios. Home equity loans come in two types: closed end (traditionally just called a home-equity loan) and...
5 KB (636 words) - 17:05, 29 May 2024
amortization term and loan-to-value ratio. FHA mortgage insurance premium (MIP) can be removed in two cases: first, if the initial loan-to-value ratio was less than...
23 KB (2,959 words) - 07:34, 13 May 2024
Other guidelines include borrower's loan-to-value ratio (i.e. the size of down payment), debt-to-income ratio, credit score and history, documentation...
9 KB (869 words) - 11:11, 29 April 2024
real estate related loans are the Loan to Value Ratio (LTV), the debt service coverage ratio (DSCR) and Interest Service Coverage Ratio (ISCR). Covenants...
3 KB (373 words) - 14:50, 30 September 2023
through refinancing, since banks traditionally require a loan-to-value ratio (LTV) of 80% or less to qualify for refinancing without private mortgage insurance...
11 KB (1,301 words) - 18:14, 16 October 2021
when customers were charged an interest rate that did not match the loan-to-value ratio on their account." An Australian businessman who owned 3 blocks of...
11 KB (1,186 words) - 19:49, 1 June 2024
Principal Reduction Alternative (PRA), assists homeowners with a loan-to-value ratio exceeding 115 percent. Home Affordable Unemployment Program (UP)...
13 KB (1,546 words) - 05:34, 14 November 2023
has Standard Life Insurance Company of New York. The average loan-to-value ratio on new loans was 64 percent in 2008. Standard Insurance Company has maintained...
4 KB (383 words) - 13:16, 14 August 2023
statement of financial position (so-called book value), but the ratio may also be calculated using market values for both, if the company's debt and equity...
6 KB (850 words) - 18:09, 16 September 2023
damages Liquidation value Lis pendens Listing contract Litigation Littoral rights LLC LMI Loan origination fee Loan-to-value ratio (LTV) Location Lot Lot...
30 KB (2,405 words) - 14:49, 28 August 2023
Outline of corporate finance (section Ratios)
Effective interest rate Incremental capital-output ratio Loan-to-value ratio Operating ratio P/B ratio Abnormal return Capital budgeting Accounting rate...
9 KB (670 words) - 08:29, 28 May 2024
should rental income decline. Loan-to-value ratio: Calculates the ratio between the loan balance and the market value of a property expressed as a percentage...
5 KB (474 words) - 19:05, 30 August 2023
various metrics including debt service coverage ratio, loan-to-value ratio, and debt yield ratio to assess out whether the property is capable of making...
18 KB (2,245 words) - 12:55, 26 March 2024
because of the higher-risk nature of the loan. Hard money loans are typically at a much lower loan-to-value ratio than conventional mortgages. Some real...
17 KB (2,066 words) - 07:42, 30 May 2024
look to offset that risk by lending at a lower loan to value ratio usually of under 65% of the property's value. Hard money lender Mortgage loan Commercial...
5 KB (704 words) - 20:27, 14 October 2021
the United States characterized by high-default rates and soaring loan-to-value ratios in the residential housing market. Rapid expansion in the residential...
9 KB (1,182 words) - 19:37, 5 October 2023
corporation receives 100% of the value of the property. Traditional financing is limited to a loan-to-value ratio or debt-coverage-ratio. Help pay down debt and...
11 KB (1,572 words) - 19:33, 9 April 2024
property use, property location, loan-to-value ratio (LTV), what state the loan is in, credit score, the purpose of the loan, whether or not the applicant...
3 KB (398 words) - 16:48, 11 March 2024
Reverse mortgage (section Loan size and cost)
mortgage loan, usually secured by a residential property, that enables the borrower to access the unencumbered value of the property. The loans are typically...
41 KB (5,240 words) - 23:55, 25 May 2024
factors relating to the loan such as loan purpose, credit rating, and loan-to-value ratio and estimates the effect on yield (credit spread). Covenants – Lenders...
18 KB (2,098 words) - 11:07, 17 May 2024
2011). The loan to value ratio (LTV) is a good indicator for the risk involved for the lender as well as for the borrower. The higher the ratio the higher...
22 KB (2,155 words) - 18:00, 30 May 2024
Nonrecourse debt (redirect from Nonrecourse loan)
recovery is limited only to the value of the collateral. Thus, nonrecourse debt is typically limited to 50% or 60% loan-to-value ratios, so that the property...
12 KB (1,623 words) - 18:15, 13 June 2024
value (if a refinance) or purchase price (if a purchase) {which ever amount is lower} and converted into yet another ratio called the Loan to value (LTV)...
14 KB (2,059 words) - 08:43, 23 February 2024
liquidity ratios generally, and specifically those related to any loan covenants, such as debt service coverage ratio (DSCR) and loan-to-value ratio (LTVR)...
29 KB (2,983 words) - 01:05, 28 March 2024
subject to stricter criteria. Often they need larger cash deposits, as the average loan-to-value ratio is slightly lower than for an ordinary buy-to-let mortgage...
19 KB (2,144 words) - 15:54, 10 April 2024
Debt (section Value metrics)
also required to be eligible for a conforming loan. The loan-to-value ratio is the ratio of the total amount of the loan to the total value of the collateral...
28 KB (3,536 words) - 18:05, 27 April 2024