Tegesé saka "loan-to-value" ing bausastra Basa Inggris

PANGOCAP SAKA LOAN-TO-VALUE ING BASA INGGRIS

loan-to-value

APA TEGESÉ LOAN-TO-VALUE ING BASA INGGRIS?

Rasio utang-kanggo-nilai

Loan-to-value ratio

Rasio kredit-kanggo-nilai iku istilah financial sing dipigunakaké déning pemula kanggo ngetrapake rasio etangan kanggo nilai aset sing dituku. Istilah iki umum dipigunakaké déning bank-bank lan masyarakat bangunan kanggo makili rasio hipotek pertama minangka persentasi saka total rega ditemtokake properti nyata. Kayata, yen wong utang $ 130.000 kanggo tuku omah sing cocog $ 150.000, rasio LTV $ 130.000 nganti $ 150.000 utawa $ 130.000 / $ 150.000, utawa 87%. 13% isih makili potongan cukur rambut, nambah nganti 100% lan dijamin saka ekuitas peminjam. Luwih luwih dhuwur rasio LTV, sing luwih resik pinjam kanggo wong nyilihake. Utang sing disedhiyakake yaiku salah sijine faktor risiko utama sing menehi penilaian nalika peminjam kualifikasi kanggo hipotek. Risiko standar tansah ana ing garis depan pancasan kepemilikan, lan kemungkinan pemberi kredit nyebabake mundhut mundhut amarga jumlah ekuitas mudhun. Mulane, minangka rasio LTV mundhak, pedoman kualifikasi kanggo program hipotek tartamtu dadi luwih ketat. Peminjam bisa mbutuhake panyileh saka silihan LTV dhuwur kanggo tuku asuransi hipotek kanggo nglindhungi wong sing nyilihake saka standar panuku, sing nambah biaya hipotek.

The loan-to-value ratio is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. The term is commonly used by banks and building societies to represent the ratio of the first mortgage lien as a percentage of the total appraised value of real property. For instance, if someone borrows $130,000 to purchase a house worth $150,000, the LTV ratio is $130,000 to $150,000 or $130,000/$150,000, or 87%. The remaining 13% represent the lender's haircut, adding up to 100% and being covered from the borrower's equity. The higher the LTV ratio, the riskier the loan is for a lender. Loan to value is one of the key risk factors that lenders assess when qualifying borrowers for a mortgage. The risk of default is always at the forefront of lending decisions, and the likelihood of a lender absorbing a loss increases as the amount of equity decreases. Therefore, as the LTV ratio of a loan increases, the qualification guidelines for certain mortgage programs become much more strict. Lenders can require borrowers of high LTV loans to buy mortgage insurance to protect the lender from the buyer default, which increases the costs of the mortgage.

Definisi saka loan-to-value ing bausastra Basa Inggris

Définisi kredit-kanggo-nilai ing kamus iku rasio antarane jumlah dhuwit sing dipajang ing persetujuan hipotek lan pangaji lender saka properti sing dilibataké LTV.

PERTALAN SAKA LOAN-TO-VALUE

Weruhi pertalan saka loan-to-value menyang 25 basa nganggo Basa Inggris pamertal multi basa kita.

pertalan saka loan-to-value saka Basa Inggris menyang basa liyané kang kasuguhaké ing perangan iki kajupuk saka pertalan statistik otomatis; ing ngendhi inti unit pertalan yaiku tembung «loan-to-value» ing Basa Inggris.

• Pamertal Basa Inggris - Basa Cina: 贷款成数
• Pamertal Basa Inggris - Basa Spanyol: préstamo- valor
• Basa Inggris: loan-to-value
• Pamertal Basa Inggris - Basa India: ऋण करने वाली मूल्य
• Pamertal Basa Inggris - Basa Arab: القرض إلى القيمة
• Pamertal Basa Inggris - Basa Rusia: кредита к стоимости залога
• Pamertal Basa Inggris - Basa Portugis: loan- to-value
• Pamertal Basa Inggris - Basa Bengali: ঋণ-টু-মান
• Pamertal Basa Inggris - Basa Prancis: prêt - à - valeur
• Pamertal Basa Inggris - Basa Malaysia: Pinjaman kepada nilai
• Pamertal Basa Inggris - Basa Jerman: Loan- to-Value-
• Pamertal Basa Inggris - Basa Jepang: ローン·トゥ·バリュー
• Pamertal Basa Inggris - Basa Korea: 대출 - 투 - 값
• Pamertal Basa Inggris - Basa Jawa: Utang-kanggo-nilai
• Pamertal Basa Inggris - Basa Vietnam: vay -to- giá trị
• Pamertal Basa Inggris - Basa Tamil: கடன்-க்கு மதிப்பு
• Pamertal Basa Inggris - Basa Marathi: कर्ज-टू-व्हॅल्यू
• Pamertal Basa Inggris - Basa Turki: kredi-değer
• Pamertal Basa Inggris - Basa Italia: loan- to-value
• Pamertal Basa Inggris - Basa Polandia: kredytu do wartości
• Pamertal Basa Inggris - Basa Ukrania: кредиту до вартості застави
• Pamertal Basa Inggris - Basa Romawi: împrumut - la - valoare
• Pamertal Basa Inggris - Basa Yunani: δανείου προς αξία
• Pamertal Basa Inggris - Basa Afrikaans: lening- tot-waarde
• Pamertal Basa Inggris - Basa Swedia: lån till värde
• Pamertal Basa Inggris - Basa Norwegia: lån til verdi

BUKU BASA INGGRIS KAKAIT KARO «LOAN-TO-VALUE»

Temukaké kagunané saka loan-to-value ing pilihan bibliografi iki. Buku kang kakait dening loan-to-value lan pethikan cekak kang padha kanggo nyediyakaké panggunané ing sastra Basa Inggris.

Shipping Finance

The precise ratio may depend on the age and type of ship-there will obviously be a readier market for a newer, less specialist ship, so the lender may be content with a higher loan-to-value ratio. This clause will probably also contain a ...

Stephenson Harwood, 2006

Trends in Commercial Mortgage-Backed Securities

Despite justifiable conservatism among commercial mortgage lenders, loan-to- value ratios in the early 1990s were not even close to their lowest levels historically. The reason for this was twofold: lower overall interest rates in the capital ...

Frank J. Fabozzi, CFA, 1998

Investment Analysis for Real Estate Decisions

Loan-to-Value Ratio Constraint To estimate the maximum loan that will satisfy the expected 70 percent loan-to- value ratio constraint, we must first estimate the market value of the property. We note that similar apartment buildings in the same ...

Gaylon E. Greer, Phillip T. Kolbe, 2003

The Handbook of Nonagency Mortgage-Backed Securities

Second, to the extent an income problem does arise, a lower loan-to-value provides significant cushion for either the borrower or the servicer to sell the home at a price sufficient to cover the remaining principal outstanding. For these reasons ...

Frank J. Fabozzi, CFA, Chuck Ramsey, Michael Marz, 2000

Kiplinger's Personal Finance

What is more, the loan-to-value ratio will not be the first factor a lender takes into account. Once upon a time, banks never made a mortgage loan exceeding 50% of value, yet thousands of those low-ratio loans went into default. So any lender ...

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Mastering Real Estate Investment: Examples, Metrics and Case ...

he Loan-to-Value Ratio (LTV) is another measurement used by lenders when underwriting mortgage loans. (See also Chapter 23, Debt Coverage Ratio and Chapter 24, Break-Even Ratio) Although the name would appear to say it all, “ Value” ...

Frank Gallinelli, 2008

Keys to Mortgage Financing and Refinancing

LOAN-TO-VALUE. RATIO. The loan-to-value ratio is an important feature of mortgage loans. The ratio is calculated by dividing the amount of principal outstanding on the mortgage loan by the current value of the property mortgaged. It is a key ...

Jack P. Friedman, Jack C. Harris, 2006

The Code of Federal Regulations of the United States of America

221.12 [Reserved] 221.20 Maximum mortgage amount — loan- to-value limitation. 221.21 Maximum mortgage amount— limitations on refinancing. 221.25 Due date of mortgage. 221.30 Maturity of mortgage. 221.32 Beginning of payments on ...

‎1996

Texas Real Estate

... the amount of money a lender is willing to loan and the lender's estimate of the market value of the property that will serve as security is called the loan-to-value ratio (often abbreviated L/V or LTV ratio). For example, a prospective home ...

Charles J. Jacobus, 2011

L.S.A., List of C.F.R. Sections Affected

0 Servicing and participation agreements. in lieu of foreSUPERVISORY LOAN- TO-VALUE LIMITS Institutions should establish their own internal loan-to-value limits for real estate loans. These internal limits should not exceed the following ...

‎2003

BABAGAN WARTA KANG NGLEBOKAKÉ ARAN «LOAN-TO-VALUE»

Weruhi yèn pawarta nasional lan internasional wis ngomongaké lan kepriyé aran loan-to-value digunakaké ing babagan warta iki.

Gold price fall to squeeze margins of gold loan companies …

Share price of gold loan companies declined on fear of negative impact on the loan-to-value (LTV) ratio of disbursed loan due to falling value of ... «Business Standard, Jul 15»

Banks hit LVR brakes - mortgagerates.co.nz

A BNZ spokeswoman said: "BNZ is working towards getting operationally ready with regards to the new loan-to-value regulations for property ... «MortgageRates.co.nz, Jul 15»

New analysis shows best time to have invested, bought home | Las …

Look out for a surge in 100 percent loans with zero money down, or —€” even worse — 120 percent loan-to-value mortgages that pay cash on ... «Las Vegas Review-Journal, Jul 15»

House Hunting? 3 Mortgages That Require Less Documentation …

The role of the Making Homes Affordable Programwas to aid homeowners in refinancing due to loan-to-value restrictions, do so without ... «Patch.com, Jul 15»

House Hunting? 3 Mortgages That Require Less Documentation

The role of the Making Homes Affordable Programwas to aid homeowners in refinancing due to loan-to-value restrictions, do so without ... «Patch.com, Jul 15»

Five Ways to Lower Your DTI | Underwritings Blog

Your FICO score and the loan-to-value ratio, which varies with the price of the house you plan to buy). DTI is considered especially important in ... «Mortgage Rates & Trends, Jul 15»

Schroder REIT Eyes Rent Increases At Millshaw Industrial Estate …

Schroder Real Estate Investment Trust's net loan-to-value ratio will increase to 32% on completion of the acquisition. Completion of contracts is ... «London South East, Jul 15»

Trust Insider: TwentyFour is a winner, but faces big reinvestment risk …

They reckon that, on average, these will have a loan-to-value (LTV) ratio of less than 70%. To start off with at least, they intend to buy portfolios ... «Citywire.co.uk, Jul 15»

Down Payments Motivate Buyers More than Interest Rates | RISMedia

The results also imply that macroprudential measures such as a loan-to-value (LTV) cap may predominantly affect the lower end of the housing ... «RisMedia.com, Jul 15»

Wholesale Lending: A Niche Opportunity to Pick Up Yield, Reduce …

He structures debt facilities in such a way as to lower the effective loan-to-value (LTV) of the outstanding debt. In this way, the lender risk can be ... «ABL Advisor, Jul 15»