Calculate the Loan-to-Value ratio for your property and find out the maximum loan amount you can borrow. — free, instant, no login required
LTV (Loan to Value) ratio is the percentage of the property value that a bank will lend you. RBI sets maximum LTV limits for home loans. Higher property value = lower LTV % allowed by banks.
| Loan amount | Max LTV (Ready) | Max LTV (Under construction) | Min down payment |
|---|---|---|---|
| Up to ₹30 lakhs | 90% | 90% | 10% |
| ₹30 lakhs – ₹75 lakhs | 80% | 80% | 20% |
| Above ₹75 lakhs | 75% | 75% | 25% |
| Plot / Land loan | 70% | — | 30% |
| Mortgage loan (LAP) | 60–70% | — | 30–40% |
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