Loan to Value (LTV) Calculator
Calculate your Loan-to-Value ratio to determine borrowing limits, PMI requirements, and interest rate eligibility.
Your Monthly EMI
₹0
Principal
₹4,00,000
Total Interest
₹0
Total Payable
₹0
Breakdown
Principal: ₹4,00,000 (0%)
Total Interest: ₹0 (0%)
Interest-to-Principal: 0%
📊 Interactive EMI Breakdown
Principal vs Interest
Principal: ₹4.00 L
Interest: ₹0
Year-by-Year Payment Split
Loan Scenario Comparison
| Metric | Your plan | +1% Interest (500001.0%) | +12 Months (12mo) |
|---|---|---|---|
| Monthly EMI | ₹0 | ₹0 | ₹16,66,66,667 ↑ ₹16,66,66,667 |
| Total Interest | ₹0 | ₹0 | ₹1,99,96,00,000 ↑ ₹1,99,96,00,000 |
| Total Payable | ₹0 | ₹0 | ₹2,00,00,00,000 |
Understanding LTV Ratio
LTV = (Loan Amount ÷ Property Value) × 100. A lower LTV means less risk for the lender, which translates to better rates and terms for you.
- LTV ≤ 80%: No PMI required, best rates available
- LTV 80-90%: PMI required, slightly higher rates
- LTV 90-95%: PMI required, limited lender options
- LTV > 95%: Very few lenders, highest rates