låneverdi

Låneverdi is the value used by lenders to determine how much credit can be extended against a collateral asset. It represents the portion of an asset’s value that lenders are willing to use as security for a loan, and thus the maximum loan amount that can be secured by that asset. The låneverdi is typically lower than the asset’s market value because it accounts for risk, liquidity, and potential losses if the borrower defaults.

In practice, the låneverdi is calculated by starting with the collateral’s appraised or verifiable value and applying a loan-to-value factor (LTV). The exact factor depends on the type of collateral, its condition, and the lender’s policy. For example, real estate collateral often carries an LTV in the range of 60–85%, reflecting property risk and market liquidity. Vehicles may have 50–90% depending on make, model, year, and mileage. Securities and other traded assets may receive different adjustments or haircuts.

Låneverdi is used in credit assessment, risk management, and regulatory reporting. It helps determine the size of the loan relative to the collateral and the level of security the lender has in case of default. It is distinct from the asset’s current market value and from the borrower’s existing loan amount; it is a planning figure for how much borrowing the collateral can support.

Notes: Practices vary by country and institution. The term låneverdi is commonly used in Norwegian banking and mortgage lending to describe collateral-based lending capacity.