Loan-to-Value (LTV) Calculator
Loan-to-Value (LTV) Calculator
Your loan as a share of the property’s value, the minimum down payment for the LTV you choose, and where you stand against India’s RBI housing-loan ceilings, which step down as the loan gets larger.
Loan-to-value ratio
A loan of $42,00,000 on a property worth $60,00,000
Loan-to-value
- value
- the price or bank valuation, whichever the lender uses (usually the lower), without stamp duty and registration
- RBI ceiling
- 90% for a housing loan up to ₹30 lakh, 80% above ₹30 lakh to ₹75 lakh, 75% above ₹75 lakh. The largest loan on a value V is the biggest amount that stays within the ceiling for its own size.
Worked example
A loan of $42,00,000 on a property worth $60,00,000
LTV = 42,00,000 ÷ 60,00,000 × 100 = 70.0%
A loan above ₹30 lakh and up to ₹75 lakh has an RBI ceiling of 80%, so 70% is within it
Down payment at 80%: 60,00,000 × 0.20 = $12,00,000
Largest loan within RBI's ceilings on this value: 0.80 × 60,00,000 = $48,00,000
Largest housing loan within RBI’s ceilings, by property value
| Property value | Largest loan | Smallest down payment | Effective LTV |
|---|---|---|---|
| $25,00,000 | $22,50,000 | $2,50,000 | 90.0% |
| $35,00,000 | $30,00,000 | $5,00,000 | 85.7% |
| $50,00,000 | $40,00,000 | $10,00,000 | 80.0% |
| $90,00,000 | $72,00,000 | $18,00,000 | 80.0% |
| $1,20,00,000 | $90,00,000 | $30,00,000 | 75.0% |
| $2,00,00,000 | $1,50,00,000 | $50,00,000 | 75.0% |
What LTV is and why the ceiling moves
Loan-to-value is the loan as a percentage of what the property is worth. It is the lender’s cushion: at 75% the property can lose a quarter of its value before the loan is larger than the home. The rest of the price is your down payment, so choosing an LTV is choosing a down payment, which the second line under the result shows.
In India the Reserve Bank caps the LTV on individual housing loans, and the cap depends on the size of the loan: up to 90% for a loan of up to ₹30 lakh, 80% above ₹30 lakh to ₹75 lakh, and 75% above ₹75 lakh. The same ceilings apply to banks and to housing finance companies. Because the ceiling depends on the loan, not the price, the largest loan on a property is not always its value × one percentage: on a home costing $37,00,000, 90% would be a loan above ₹30 lakh, where the ceiling is 80%, which gives only $29,60,000; so the most you can borrow is ₹30 lakh. The table shows the effect across prices.
The value is the cost of the house without stamp duty, registration and other documentation charges: RBI tells lenders not to include them, except for a home costing ₹10 lakh or less, so that the ceilings are not diluted. Those charges are paid in cash on top of the down payment — the down payment calculator adds them up. Lenders may also use their own valuation where it is lower than the price, and may lend less than the ceiling for their own reasons, such as your income, age or the property’s type.
Elsewhere the rules differ: some countries set no legal ceiling and leave it to lenders, others cap LTV for second homes or investors more tightly, and mortgage insurance can allow high LTVs. Switch the RBI option off to see the ratio alone. For how much loan your EMI supports, use the loan affordability calculator. This is arithmetic on the figures you enter, not financial advice.
Frequently asked questions
What is the maximum LTV for a home loan in India?
90% for loans up to ₹30 lakh, 80% above ₹30 lakh up to ₹75 lakh, and 75% above ₹75 lakh, for banks and housing finance companies alike.
How do I calculate the minimum down payment?
Value × (1 − LTV). On a $60,00,000 home at the 80% ceiling that is $12,00,000, plus stamp duty, registration and other costs paid in cash.
Can stamp duty be included in the home loan?
Not for the LTV calculation, except where the cost of the home is ₹10 lakh or less. Lenders are told to leave stamp duty, registration and documentation charges out of the cost of the house.
Does a lower LTV get a better rate?
Often. Many lenders price loans by LTV band and credit score. Ask for the lender’s rate at each band.
Related calculators
References
- Reserve Bank of India. Master Circular – Housing Finance. RBI/2025-26/16, DOR.CRE.REC.No.12/08.12.001/2025-26, 1 April 2025 (banks), since consolidated into the Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025, 28 November 2025. Individual housing loans: LTV not above 90% up to ₹30 lakh, 80% above ₹30 lakh to ₹75 lakh, 75% above ₹75 lakh; stamp duty, registration and other documentation charges excluded from the cost of the house, except where that cost does not exceed ₹10 lakh.
- Reserve Bank of India. Reserve Bank of India (Housing Finance Companies) Directions, 2025. 28 November 2025, para 58: the same three LTV ceilings (90%, 80%, 75%) and the same ₹10 lakh rule for stamp duty and registration, for housing finance companies.