Loan-to-value ratios at three-year low: AFG – The regulator-led push to tighten credit continues to work, with loan-to-value ratios hitting a three-year low in the March quarter, figures from ASX-listed mortgage broker afg show. The national.
The loan-to-value (LTV) ratio is a financial term used by lenders to express the ratio of a loan to the value of the asset. The LTV ratio is one of the key risk factors that lenders assess when qualifying borrowers for a mortgage. The risk of default is always the real driver of underwriting and, ultimately, lending approval decisions, and the likelihood of a lender absorbing a loss increases.
NZ central bank says current mortgage curbs appropriate, risks remain elevated – The bank reduced loan-to-value ratio (LVR) restrictions at its last review in January as housing related risks waned but signaled plans to ramp up banks’ capital requirements to address longer-term.
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