loan against property emi calculator

Loan to Value Calculator to Check LTV Ratio

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A Loan to Value (LTV) Calculator is a financial tool used to calculate the loan amount you can get against the value of your pledged property.

The loan to value ratio is the amount of loan you are seeking to borrow as a percentage of the total market value of the asset you are using as collateral.

To use the LTV Calculator, you will need to input the following information:

  • Property Type
  • Property Value

Once you input this information, the calculator will provide you with the loan amount that you are eligible for against your property value.

Keep in mind that the Loan to Value Calculator is a helpful tool to estimate your loan amount. Still, consulting with a financial advisor or loan officer is important to get a more accurate idea of your loan eligibility and repayment schedule.

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Disclaimer: Please note that the loan-to-value calculator provided here is for informational purposes only. The calculations provided by the calculator are based on certain assumptions and may not necessarily reflect the actual loan amount or value of the property. The final loan amount and the loan-to-value ratio may also be subject to the discretion of the lender and other factors.

A loan-to-value (LTV) ratio calculator is a tool that can help you determine the ratio of the amount you want to borrow against the appraised value of the property you plan to buy or refinance. Below are the steps to use the LTV calculator:

  • Step 1: Click on the ‘LTV Calculator’ on Poonawalla Fincorp’s official website.
  • Step 2: Select type of property.
  • Step 3: Enter the estimated value of the property. You need to input the estimated or appraised value of the property you plan to put as collateral.
  • Step 4: Check your eligible loan amount against the property value.

Remember that the LTV ratio is just one of the factors that lenders use to evaluate loan applications. Other factors such as credit score and income eligibility also play important roles in the lending process.

Loan-to-Value (LTV) is a financial metric that represents the ratio between the amount of a loan and the appraised value or purchase price of the asset being financed. LTV is commonly used in real estate and mortgage lending, but it can also be applied to other types of loans, such as auto loans.

Lenders use LTV to assess risk when making a loan, since the higher the loan-to-value ratio, the greater the risk to the lender. A high loan-to-value ratio indicates that the borrower has less equity in the asset, which means that they may be more likely to default on the loan if the value of the asset decreases. As a result, lenders may charge higher interest rates or require additional collateral or insurance to mitigate their risk.

The formula for calculating the Loan to Value (LTV) ratio for a Loan Against Property (LAP) is:

LTV ratio = (Loan amount / Property value) x 100

For example, if you have a property worth Rs. 5,00,000 and you want to take out Loan Against Property of Rs. 3,00,000 then the LTV ratio would be:

LTV ratio = (3,00,000 / 5,00,000) x 100 = 60%

This means the loan amount is 60% of the property's value. Generally, lenders use LTV ratios to determine the risk associated with the loan and the interest rates they can offer to borrowers. A higher LTV ratio means higher risk, which may result in a higher interest rate or a lower loan amount.

What is loan to value ratio?

Loan-to-value ratio (LTV ratio) is a financial metric used by lenders to determine the ratio of the loan amount to the value of the property being used as collateral. For a Loan Against Property, the LTV ratio is calculated by dividing the loan amount by the appraised value of the property being used as collateral.

What is LTV ration formula?

The formula for loan-to-value (LTV) ratio is:

LTV = (Loan Amount / Property Value) x 100%


  • Loan Amount is the amount of money borrowed from a lender.
  • Property Value is the appraised value of the property being purchased or used as collateral.
What factors affect LTV ratio that I am eligible for?

Several factors can affect the LTV ratio that you're eligible for, including your credit score, loan type, property type, and loan purpose.

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