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Wednesday, September 30, 2026
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HomeHipotecas¿Qué es una relación préstamo-valor?

¿Qué es una relación préstamo-valor?

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Una escala que equilibra una casa y dinero

Imágenes de GettyImages; Ilustración de Hunter Newton/Bankrate

Control de válvula

  • Su relación de préstamo a valencia (LTV) es el saldo de su préstamo hipotecario dividido por el valencia de la propiedad que está comprando, generalmente expresada como un porcentaje.

  • Una relación LTV más pérdida puede ayudarlo a obtener una tasa de interés más pérdida en su hipoteca.

  • Los prestamistas establecen una relación LTV máxima para los préstamos para el hogar que emiten.

¿Cuál es una relación de préstamo a valencia (LTV)?

En un contexto inmobiliario, su relación préstamo-valor es la cantidad de hacienda que está tomando prestado, incluso llamado Préstamo principal, dividido por el valencia de la propiedad que desea comprar. Una relación LTV generalmente se expresa como un porcentaje.

Cuando solicite una hipoteca, su prestamista tendrá en cuenta su relación LTV al arriesgarse si lo aprueba para el préstamo y al determinar el tamaño de su préstamo y la tasa de interés.

LTV incluso entra en pasatiempo cuando solicita refinanciar una hipoteca. El saldo de su préstamo restante dividido por el valencia de su hogar es un criterio principal que usan los prestamistas al aprobar o desmentir su solicitud de refinanciamiento.

Cómo calcular una relación préstamo-valor

Para calcular su relación LTV, primero deberá restar su suscripción original del valencia de tasación de su hogar. Luego, divida esa guarismo por el valencia evaluado y multiplíquela por 100. Así es como se vería esa fórmula:

(Valencia de tasación de la casa – suscripción original) ÷ ​​Valencia tasado x 100 = LTV Ratio

Digamos que planea pedir prestado $ 450,000 para comprar una casa de $ 500,000. Su relación LTV – $ 450,000 dividida por $ 500,000, multiplicada por 100 – sería del 90 por ciento.

Por qué los prestamistas miran LTV durante el proceso de hipoteca

Antiguamente de que un parcialidad o prestamista apruebe su solicitud de hipoteca, el área de suscripción del prestamista debe estar seguro de que puede respaldar el préstamo.

La relación préstamo-valor es una habitación del rompecabezas. Los prestamistas prefieren que los prestatarios tengan una relación LTV más pérdida y más caudal en la casa desde el principio. Esto reduce su probabilidad de terminar bajo el agua en su hipoteca e incumplimiento del préstamo.

Los prestamistas incluso analizan su relación deuda a ingresos (DTI) para evaluar su imagen financiera común. Posteriormente de revisar sus relaciones LTV y DTI, el prestamista puede arriesgarse aprobar su préstamo o no. Si sus proporciones no son ideales, un prestamista aún puede aprobar su préstamo, pero es probable que pague una tasa de interés más adhesión, lo que se traduce en respaldar más hacienda durante la vida útil del préstamo.

¿Cuál es una buena relación préstamo-valor?

La relación LTV ideal depende de los requisitos del prestamista y del tipo de préstamo. Sin requisa, para usted como prestatario, una relación LTV “buena” significa que está poniendo más hacienda y pidiendo menos prestado. En común, cuanto beocio sea su relación LTV, mejor.

Requisitos de relación de préstamo a valencia por tipo de préstamo

Existen muchos tipos de hipotecas, y sus requisitos específicos de relación de préstamo / valencia varían varían. Algunas hipotecas permiten una relación préstamo-valor mucho más adhesión que otras.

Tipo de préstamo LTV mayor
*Sin seguro hipotecario privado (PMI)
Préstamo convencional* 80%
Hubo un préstamo 96.5%
Se verá 100%
Préstamo del USDA 100%
Refinanciar* 80%
  • Préstamo convencional: Puede obtener un préstamo convencional para un 3 por ciento de descuento, pero si puede realizar un suscripción original del 20 por ciento, no tendrá que respaldar un seguro hipotecario privado.
  • Hubo un préstamo: Por lo común, puede etiquetar para un préstamo de la FHA con una relación LTV del 96.5 por ciento. Tenga en cuenta que debe respaldar un seguro hipotecario en préstamos de la FHA sin importar el tamaño de su suscripción original.
  • Se verá: Si usted es miembro del servicio, corrido o cónyuge sobreviviente, puede tener una relación LTV del 100 por ciento con un préstamo VA, es proponer, no hacer un suscripción original, siempre que cumpla con otros requisitos para su aprobación.
  • Préstamo del USDA: Habitable para compradores de viviendas de ingresos bajos y moderados en las zonas rurales, el Sección de Agricultura de los Estados Unidos aprueba a los prestatarios elegibles con una relación LTV del 100 por ciento incluso.
  • Refinanciación: Si está considerando refinanciar su hipoteca, la mayoría de los prestamistas querrán ver una relación LTV del 80 por ciento o beocio, en otras palabras, al menos el 20 por ciento de caudal.

¿Qué es LTV combinado (CLTV)?

Si ya tiene un préstamo hipotecario y desea solicitar una segunda hipoteca, su prestamista evaluará su relación LTV combinada (CLTV). Estos factores en todos los saldos de préstamos en la propiedad: el saldo irresoluto en la primera hipoteca y ahora la segunda hipoteca.

Supongamos que tiene un saldo irresoluto de $ 250,000 en una casa que se evalúa en $ 500,000, y desea pedir prestado $ 30,000 en una cadeneta de crédito de caudal doméstico (HELOC) para respaldar una renovación de la cocina. Aquí hay un desglose de la relación LTV combinada:

($ 250,000 + $ 30,000) / $ 500,000 = 56 por ciento CLTV

Si tiene un HELOC y desea solicitar otro préstamo, su prestamista podría mirar una fórmula similar emplazamiento relación LTV (HCLTV) de Equity Home Equity. Esta guarismo representa el monto total del HELOC contra el valencia de su hogar, no solo lo que ha sacado de la cadeneta de crédito.

LTV vs. CLTV

LTV y CLTV describen la cantidad de equidad que tiene en su hogar frente a cuánto le debe. La diferencia es que el LTV solo representa su hipoteca principal, mientras que los factores CLTV en su primera hipoteca y cualquier deuda posterior relacionada con el hogar, como un préstamo HELOC o de caudal doméstico.

Puede usar la calculadora de relación préstamo-valor de Bankrate para determinar su relación CLTV y compararla con su relación LTV.

Cómo apearse su LTV

Cuando las tarifas son relativamente altas, solo hay mucho que puede hacer para resumir su tasa de interés, lo que le ahorrará hacienda en su suscripción mensual y en su hipoteca a dispendioso plazo, pero resumir su LTV es una opción. Puedes hacer esto de una de dos maneras:

  • Puede atesorar más hacienda para realizar un suscripción original más sobresaliente.
  • Puede encontrar una propiedad más trueque.

Si puede resumir el 20 por ciento en un préstamo convencional, no solo recibirá una tasa de interés más pérdida que si hubiera realizado un suscripción original más pequeño, sino que no tendrá que respaldar por PMI, lo cual es un costo anejo al suscripción mensual de la hipoteca.

Puede determinar cuánta casa puede permitirse el uso de la calculadora de inicio de Bankrate.

See also  National vs. Prestamistas de hipotecas locales: ¿Cuál es mejor?

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