LTV (Loan-to-Value) Calculator
Divides the loan amount by the property value to give the LTV percentage, then reads it as conservative, standard, high risk or above usual lending policy.
LTV (%)
—
LTV: Loan-to-Value ratio
LTV (Loan-to-Value) is the ratio between the loan amount and the appraised property value: LTV = loan / property value · 100%. Take a US$ 500k home carrying a US$ 400k mortgage, and the LTV is 80%. A higher LTV means more risk for the lender, and that usually shows up as a higher interest rate. In the US, conventional loans above 80% LTV typically require PMI (Private Mortgage Insurance). You rarely see LTV near 100%, and when you do it's through government-backed programs like FHA or VA loans.
Brazilian context
In Brazil, the SFH (Sistema Financeiro da Habitação) holds LTV to 80% at Caixa Econômica Federal on most residential mortgages. Go through the SFI (Sistema Financeiro Imobiliário) and you can reach 90%, but you'll pay higher rates for it. On top of that, banks fold a MIP (Mortgage Insurance Premium) into the installment.
FAQ
Why does LTV affect my interest rate? A lower LTV means the buyer holds more equity in the property, so the lender loses less if foreclosure happens. Banks pay that back with lower rates.
What's a safe LTV? Anything under 80% sits in the conventional comfort zone, with no PMI in the US and better rates in Brazil. Get below 60% and the lowest rates open up.
Does LTV change over time? It does. As you pay down the loan and the property gains value, the effective LTV falls, and sometimes it falls far enough to let you refinance and drop PMI.
Related Tools
LTV (Lifetime Value)
Multiplies average ticket by purchases per month and retention in months, so you see how much revenue a single customer brings over the whole relationship.
RVPI (Residual Value to Paid-In)
Computes the RVPI of a private equity fund: the residual value in the portfolio (NAV) divided by the paid-in capital. It's the unrealized multiple, how much is still alive in the holdings the fund hasn't sold, waiting to turn into cash. In a fund's early years, RVPI dominates; as it divests, RVPI falls and DPI rises. The sum of the two is the TVPI. Enter the NAV and the paid-in capital.
TVPI (Total Value to Paid-In)
Computes the TVPI of a private equity or venture capital fund: the total value created, adding what has already been distributed to investors to the residual value still in the portfolio (NAV), divided by the paid-in capital. It's a fund's most complete multiple, summing realized and unrealized — a TVPI of 1.5x means each dollar invested became one and a half in total value. It decomposes into DPI plus RVPI. Enter the distributions, the NAV and the paid-in capital.
Exposure Value (EV)
Enter aperture f-number, shutter speed in seconds and ISO to get EV = log2(N²/t) − log2(ISO/100), a single number for the light in the scene.
Margin of Safety (Investing)
Computes the margin of safety of an investment: how far the market price sits below the estimated intrinsic value, as a percentage. It's the core concept of Benjamin Graham's value investing — buying an asset for well less than it's worth to build in protection against estimation errors and surprises. The larger the margin, the more comfortable the purchase. A negative margin means the price already exceeds the estimated value. Enter the intrinsic value and the market price.
Attic R-Value by IECC Climate Zone
Choose a zone from 1 (tropical) to 7 (cold) and get the minimum ceiling insulation the US energy code recommends, ranging from R-30 up to R-60.
The results provided by this tool are for general informational and educational purposes only and do not constitute professional, financial, medical, legal, tax or accounting advice. Always confirm important decisions with a qualified professional and official sources.