Calculate Your Loan-to-Value Ratio Instantly
When applying for a Loan Against Property, one of the most important factors lenders consider is the Loan-to-Value (LTV) ratio. This is the ratio that determines the maximum loan you can avail against the market value of your property.
To facilitate these calculations, Poonawalla Fincorp has developed the LTV Calculator. This online assessment tool estimates the funds you can receive by pledging your home or business property as collateral. Plan your loan better, explore borrowing options, and make smart financial decisions with Poonawalla Fincorp’s LTV Calculator today!
Formula Used to Find the LTV Ratio
The formula for finding the LTV ratio is:
LTV Ratio = (Loan Amount/Property Market Value) * 100
For example, if your property is worth Rs. 1 Crore and the lender offers a loan of ₹70 Lakh, then the LTV ratio is 70%
This ratio helps to know the risk associated with a loan. The greater LTV indicates a higher risk, whereas the lesser LTV means greater security for the lender.
Factors That Impact LTV Ratio
Some of the key factors affecting your LTV ratio are:
● Type of Property: Residential properties usually allow higher ratios, while commercial properties have lower limits due to higher risk.
● Market Value: The higher the value of the property, the more likely it is that a higher loan will be sanctioned.
● Credit Profile: Good credit scores may help you negotiate on better terms.
Understanding these factors is essential to ensure you use the LTV Calculator more effectively and estimate realistic outcomes.
How to Use the LTV Calculator?
Using the calculator is simple and easy. Here’s how it works:
1. Go to the Calculator: Navigate to the calculator given below.
2. Select Property Type: Select if it is residential or commercial.
3. Enter Property Value: Enter the current market value of your property.
Once you enter these details, the LTV Calculator will instantly provide you with the maximum loan amount you can get against your property.
Why Use Poonawalla Fincorp’s LTV Calculator?
Here’s how the LTV Calculator is beneficial:
● Accuracy: Helps in instant & error-free calculations.
● Transparency: Provides a clear idea of your eligibility before applying.
● Better Planning: Helps you determine if the loan amount will meet your financial needs.
● Comparison: Helps to experiment with different property values to estimate different outcomes.
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Frequently Asked Questions
No, the calculator only determines the eligible loan amount based on the property's value. Your income and credit score are assessed separately when evaluating the loan.
The LTV Calculator from Poonawalla Fincorp is designed for properties that are fully completed. A thorough evaluation of construction progress and approvals determines loan eligibility for under-construction projects.
No, the LTV Calculator only estimates the eligible loan amount based on your property’s value. Processing fees and other charges are not included and are assessed separately during loan processing.
Yes, you can choose the type of property in the LTV Calculator to know the eligible loan amount.
Yes, as property values increase or decrease, your LTV ratio and your eligibility for a loan will also change.
It provides a close approximation based on the property's value. The final sanction is based on an evaluation and verification by the lender.
Yes, the calculator can help you estimate if you are eligible for a top-up loan by assessing the current value of your property and any additional borrowing capacity.
Yes, it is totally free and is available online for unlimited use.
No, each property is assessed separately by the LTV Calculator. To evaluate your borrowing possibilities, you can determine your eligibility for each property separately.
For jointly owned properties, you can estimate the acceptable loan amount; however, Poonawalla Fincorp's assessment, along with the combined ownership details, will ultimately determine the loan eligibility.
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