Calculate mortgage LTV in Germany
Loan-to-value compares mortgage debt with the property value accepted by the lender. This calculator shows the main mortgage ratio, combined secured-debt ratio, home equity and borrowing room at an editable target.
Bank valuation and lending value
A German lender may use a lending value below the market or purchase price. A lower accepted value increases LTV and reduces the estimated borrowing room. Enter a realistic lender-accepted value rather than relying only on an asking price.
Combined secured debt
Include mortgages, other secured loans and any secured credit balance. The authorized-exposure result also considers the full credit limit because unused secured credit can affect a new application.
Use LTV as a planning measure
The selected target is not a universal approval threshold. Interest pricing and approval also depend on income, expenses, credit quality, property and loan purpose.