laenukättesaadavust
Laenukättesaadavust, also known as loan-to-value ratio (LTV), is a financial metric used to determine the maximum loan amount that a borrower can obtain based on the value of the collateral. It is expressed as a percentage and is calculated by dividing the loan amount by the appraised value of the collateral. For example, if a property is valued at $100,000 and the LTV ratio is 80%, the maximum loan amount would be $80,000.
LTV is a crucial factor in the lending process as it helps lenders assess the risk associated
Lenders typically set a maximum LTV ratio to ensure that they are not exposed to excessive risk.
LTV is also used by borrowers to determine the maximum loan amount they can qualify for based
In summary, laenukättesaadavust, or LTV, is a financial metric that helps lenders assess the risk associated