The median loan-to-value ratio for mortgages in the UK in 2023 was approximately **** percent. This meant that the average mortgage covered **** percent of the property sales price, leaving the home acquirer to cover the remaining **** percent with their own savings. Across the country, the LTV ratio was the lowest in London, and the highest in Northern Ireland.

The average mortgage loan-to-value (LTV) ratio in the Netherlands has been on a downward trend in recent years. In the first quarter of 2023, the LTV ratio stood at 57 percent, meaning that homebuyers took out a loan amounting to 57 percent of the value of the purchased property. A high ratio means a home buyer needs less of its own payments as the mortgage provider hands out a relatively large loan. A lower LTV means a smaller loan and less risks for mortgage providers but requires more savings from consumers before being able to afford a home.

Within Europe, the Netherlands counts as one of the countries with the highest mortgage debt among private individuals. This has a political background as the Dutch tax system allowed homeowners for many years to deduct interest paid on mortgage from pre-tax income for a maximum period of thirty years, essentially allowing for income support for homeowners.

Graph and download economic data for Large Bank Consumer Mortgage Originations: Original Loan-to-Value (LTV): 50th Percentile (RCMFLOLTVPCT50) from Q3 2012 to Q1 2025 about FR Y-14M, origination, large, percentile, mortgage, loans, consumer, banks, depository institutions, and USA.

Hong Kong HK: Residential Mortgage: New Loans Approved: Avg Loan to Value Ratio data was reported at 44.400 % in Sep 2018. This records a decrease from the previous number of 45.500 % for Aug 2018. Hong Kong HK: Residential Mortgage: New Loans Approved: Avg Loan to Value Ratio data is updated monthly, averaging 60.100 % from Dec 2000 (Median) to Sep 2018, with 214 observations. The data reached an all-time high of 68.900 % in Sep 2002 and a record low of 44.400 % in Sep 2018. Hong Kong HK: Residential Mortgage: New Loans Approved: Avg Loan to Value Ratio data remains active status in CEIC and is reported by Hong Kong Monetary Authority. The data is categorized under Global Database’s Hong Kong SAR – Table HK.KB008: Residential Property Loans: Residential Mortgage Survey: Ratios.

Singapore Average Loan-to-Value Ratio data was reported at 50.900 % in Sep 2018. This records a decrease from the previous number of 51.500 % for Jun 2018. Singapore Average Loan-to-Value Ratio data is updated quarterly, averaging 49.200 % from Mar 2011 (Median) to Sep 2018, with 31 observations. The data reached an all-time high of 53.600 % in Sep 2017 and a record low of 43.100 % in Dec 2011. Singapore Average Loan-to-Value Ratio data remains active status in CEIC and is reported by Monetary Authority of Singapore. The data is categorized under Global Database’s Singapore – Table SG.KB006: Housing and Bridging Loans.

The loan-to-value ratios in Kansas, Louisiana and Kentucky amounted to ** percent in 2019, which means that on average the value of mortgages constituted ** percent of the value of the residential property in those states. The LTV ratio is calculated by dividing the mortgage amount by the purchase price of the home. The trend seems to be that southern and midwestern states have higher ratios than those in the Northeast or West of the country, which is in line with regional home prices. Areas with higher home prices tend to have lower LTV ratios.

What is the LTV ratio used for? Lenders use this ratio to determine how risky a loan is, because a higher ratio means that the loan is riskier to the lender. Generally, a good LTV ratio for a home loan is ** percent or lower, which means that the loan is worth ** percent of less of the value of the home. Loans are granted if the ratio is higher than that, but only if the loan applicant takes out mortgage guaranty insurance, also known as private mortgage insurance, to cover the lender.

Graph and download economic data for Large Bank Consumer Mortgage Originations: Average Interest Rate at Origination by LTV: 30-Year Fixed Rate Mortgage: >=80 Loan-to-Value (RCMFLRIGIRAPCTF30LTVGTE80) from Q3 2012 to Q1 2025 about FR Y-14M, origination, 30-year, large, fixed, mortgage, average, loans, consumer, interest rate, banks, interest, depository institutions, rate, and USA.

Spain HH: TC: Change: House Purchase Loans: Other: Loan to Value Ratio data was reported at 0.000 % in Jun 2018. This records a decrease from the previous number of 5.560 % for Mar 2018. Spain HH: TC: Change: House Purchase Loans: Other: Loan to Value Ratio data is updated quarterly, averaging 5.560 % from Dec 2002 (Median) to Jun 2018, with 63 observations. The data reached an all-time high of 50.000 % in Mar 2008 and a record low of -10.000 % in Sep 2005. Spain HH: TC: Change: House Purchase Loans: Other: Loan to Value Ratio data remains active status in CEIC and is reported by Bank of Spain. The data is categorized under Global Database’s Spain – Table ES.KB012: Bank Lending Survey: Households.

Hong Kong HK: Residential Mortgage: Negative Equity: Loan to Value Ratio data was reported at 101.000 % in Dec 2016. This records a decrease from the previous number of 102.000 % for Sep 2016. Hong Kong HK: Residential Mortgage: Negative Equity: Loan to Value Ratio data is updated quarterly, averaging 114.500 % from Dec 2001 (Median) to Dec 2016, with 54 observations. The data reached an all-time high of 146.000 % in Dec 2010 and a record low of 101.000 % in Dec 2016. Hong Kong HK: Residential Mortgage: Negative Equity: Loan to Value Ratio data remains active status in CEIC and is reported by Hong Kong Monetary Authority. The data is categorized under Global Database’s Hong Kong SAR – Table HK.KB009: Residential Property Loans: Negative Equity.

In 2023, the highest share of mortgage sales in the UK had a loan-to-value ratio between ** and ** percent. Across the country, the LTV ratio ranged between ** percent and ** percent, depending on the region.

Graph and download economic data for Loan-to-Value Ratio of New Car Loans at Auto Finance Companies (DISCONTINUED) (DTCTLVNLNM) from Jun 1971 to Jan 2011 about finance companies, companies, ratio, finance, vehicles, financial, new, loans, and USA.

Norway Bank Lending Survey: HO: Next 3 Months: LC: Maximum Loan to Value Ratio data was reported at 0.000 % in Sep 2018. This stayed constant from the previous number of 0.000 % for Jun 2018. Norway Bank Lending Survey: HO: Next 3 Months: LC: Maximum Loan to Value Ratio data is updated quarterly, averaging 0.000 % from Dec 2007 (Median) to Sep 2018, with 44 observations. The data reached an all-time high of 0.060 % in Sep 2014 and a record low of -0.870 % in Dec 2016. Norway Bank Lending Survey: HO: Next 3 Months: LC: Maximum Loan to Value Ratio data remains active status in CEIC and is reported by Norges Bank. The data is categorized under Global Database’s Norway – Table NO.KB003: Bank Lending Survey.

United Kingdom Credit Cond: SL: L3: HH: CA: Borrowers: Loan to Value Ratio: Low data was reported at 0.000 % Point in Sep 2018. This records a decrease from the previous number of 10.700 % Point for Jun 2018. United Kingdom Credit Cond: SL: L3: HH: CA: Borrowers: Loan to Value Ratio: Low data is updated quarterly, averaging 2.900 % Point from Sep 2008 (Median) to Sep 2018, with 41 observations. The data reached an all-time high of 20.400 % Point in Dec 2012 and a record low of -11.100 % Point in Sep 2014. United Kingdom Credit Cond: SL: L3: HH: CA: Borrowers: Loan to Value Ratio: Low data remains active status in CEIC and is reported by Bank of England. The data is categorized under Global Database’s United Kingdom – Table UK.KB016: Credit Conditions Survey: Secured Lending: Last 3 Months.

United Kingdom Credit Cond: SL: N3: HH: CA: Borrowers: Loan to Value Ratio: Low data was reported at 11.900 % Point in Sep 2018. This records an increase from the previous number of 1.900 % Point for Jun 2018. United Kingdom Credit Cond: SL: N3: HH: CA: Borrowers: Loan to Value Ratio: Low data is updated quarterly, averaging 3.400 % Point from Sep 2008 (Median) to Sep 2018, with 41 observations. The data reached an all-time high of 33.600 % Point in Dec 2012 and a record low of -8.100 % Point in Sep 2013. United Kingdom Credit Cond: SL: N3: HH: CA: Borrowers: Loan to Value Ratio: Low data remains active status in CEIC and is reported by Bank of England. The data is categorized under Global Database’s United Kingdom – Table UK.KB017: Credit Conditions Survey: Secured Lending: Next 3 Months.

Norway Bank Lending Survey: HO: Past 3 Months: LC: Maximum Loan to Value Ratio data was reported at 0.000 % in Mar 2018. This records a decrease from the previous number of 0.040 % for Dec 2017. Norway Bank Lending Survey: HO: Past 3 Months: LC: Maximum Loan to Value Ratio data is updated quarterly, averaging -0.040 % from Dec 2007 (Median) to Mar 2018, with 42 observations. The data reached an all-time high of 0.060 % in Dec 2014 and a record low of -0.610 % in Mar 2012. Norway Bank Lending Survey: HO: Past 3 Months: LC: Maximum Loan to Value Ratio data remains active status in CEIC and is reported by Norges Bank. The data is categorized under Global Database’s Norway – Table NO.KB003: Bank Lending Survey.

Graph and download economic data for 30-Year Fixed Rate Conforming Mortgage Index: Loan-to-Value Less Than or Equal to 80, FICO Score Between 700 and 719 (OBMMIC30YFLVLE80FB700A719) from 2017-01-03 to 2025-08-08 about score, 30-year, mortgage, fixed, rate, indexes, and USA.

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Graph and download economic data for Loan-to-Value Ratio of Used Car Loans at Auto Finance Companies (DISCONTINUED) (DTCTLVULNM) from Jun 1971 to Jan 2011 about used, finance companies, companies, ratio, finance, vehicles, financial, loans, and USA.

A Limited Territorial Validity (LTV) Schengen visa is valid only for the country that granted the visa, preventing the holder from travelling to other Schengen states. As an exception to the Uniform type C visa, It is only issued for humanitarian reasons, for reasons of national interest, or international obligations. In 2023, Switzerland authorized more than 32,000 LTV visas, followed by Spain and Germany.

As of September 2023, NBFCs dominated the gold loan market with a ** percent market share. Banks, on the other hand, held only ** percent of market share. Indian population has traditionally relied on gold as a means of investment. The country is the second-largest importer of gold in the world. Banks and non-banking financial companies are currently the major players in offering secured loans with gold as collateral. Process of taking a gold loan To apply for a gold loan, a borrower usually approaches these institutions, which is followed by a purity check of gold to evaluate its market value. A borrower usually keeps their gold ranging from 18 to 24 carats with the lender for getting credit. The interest rates on gold loans can range between 7.35 percent to 29 percent per annum, depending on the bank. Gold’s present market value called the loan-to-value (LTV) ratio, usually fixed by the Reserve bank of India determines the amount a consumer is eligible to get against gold. New digital players Online gold loan options are increasingly being offered; however, a customer is still required to visit the bank or NBFC branch for depositing the gold and its purity check. But a large part of the gold loan market is still unorganized, leaving customers exposed to high-interest rates. Certain fintech startups are now entering the market space offering services with lower interest, flexible EMIs, and door-to-door delivery and pickup. The entry of new players in this traditional marketplace is expected to increase the penetration rate of the gold loan market.