belåningsgradLTV
Belåningsgrad, often abbreviated as LTV (Loan-to-Value), is a financial metric used by lenders to assess the risk associated with a loan, particularly in real estate. It represents the ratio of the loan amount to the appraised value of the asset being financed, expressed as a percentage. For example, if a property is valued at $500,000 and a borrower takes out a mortgage of $400,000, the LTV would be 80% ($400,000 / $500,000 * 100).
Lenders use LTV to determine how much equity the borrower has in the asset. A lower LTV
Different loan products have varying LTV requirements. For instance, mortgages with higher LTV ratios often come