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% |
Our experts compare 12+ banks to get you the best rate. Free consultation.