What is Loan-to-Value (LTV) Ratio?
By Property Point Advisory·Updated September 2026
In short
LTV is the share of a property's value a bank will finance. RBI caps it near 90% for smaller loans, ~80% mid-size and ~75% above ₹75 lakh — so your down payment grows with the ticket size, on top of stamp duty and registration.
Good to know
Questions buyers ask
What does Loan-to-Value (LTV) Ratio mean?
LTV is the share of a property's value a bank will finance. RBI caps it near 90% for smaller loans, ~80% mid-size and ~75% above ₹75 lakh — so your down payment grows with the ticket size, on top of stamp duty and registration.
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