Real Estate

Calculate Your Loan-to-Value Ratio

Built by Kevin Glover · @gloverbuilds · Verified formula

Calculate LTV from home value and loan balance. See how LTV affects your mortgage rate, PMI, and refinance options.

📅 Updated April 2026 ✅ Formula verified 📖 4 min read 🆓 Free · No sign-up

In this article

What Is LTV and Why It Matters
Getting Rid of PMI

In Deutschland

LTV = Darlehensbetrag / Immobilienwert × 100. 250.000 € Darlehen auf 350.000 € Immobilie: 71%. Banken finanzieren max. 80% (manche 90-100% bei exzellenter Bonitaet). Je niedriger der LTV, desto besser der Zinssatz.

Empfehlung

LTV unter 70%: beste Konditionen. 70-80%: Standard. Ueber 80%: Zinsaufschlag. Eigenkapital von 20%+ plus Nebenkosten ist ideal.

⚡ CalcWolf Insight

LTV calculator captures homeowners actively considering refinancing or PMI removal — a very high-intent audience worth $8-15 CPC to mortgage lenders.

Frequently asked questions

Idealer LTV?▾

Unter 70% (30%+ Eigenkapital). Beste Zinsen und einfachste Genehmigung.

100% Finanzierung moeglich?▾

Selten — nur bei exzellenter Bonitaet. Nebenkosten (10-15%) muessen IMMER aus Eigenkapital kommen.

✓ Math logic verified against primary sources → See our verification process

Kevin Glover · @gloverbuilds

Founder, CalcWolf · GLVTS · Blickr

All formulas sourced from primary references — IRS publications, peer-reviewed research, and official standards. Results are tested against independent reference calculators before publishing. Rates and brackets updated when official sources change. Editorial policy →