Real Estate
Calculate Your Loan-to-Value Ratio
Calculate LTV from home value and loan balance. See how LTV affects your mortgage rate, PMI, and refinance options.
In this article
India
LTV = loan / property value × 100। Banks max: 75-90% (RBI guidelines)। Up to ₹30L: 90% LTV। ₹30-75L: 80%। Above ₹75L: 75%। Lower LTV = better interest rate। 20%+ down payment: best terms।
RBI Rules
RBI sets maximum LTV by loan size। Higher LTV = higher risk weight = costlier for bank = higher rate for you।
⚡ 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
Max LTV?▾
Up to ₹30L: 90%। ₹30-75L: 80%। Above ₹75L: 75%।
Best LTV?▾
75% or less (25%+ down payment)। Best rates and easy approval।
✓ Math logic verified against primary sources
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