Usually, financial jargons are difficult to understand, and if you are a newbie to the world of loans and EMIs, then some terms could be too complex for your comprehension. One such term is LTV ratio or loan to value ratio—one of the most used phrases in the finance sector. Whether it be a two-wheeler loan, used car loan, gold loan, home loan, or loan against property, financial institutions use this term as a measure to determine the loan value.

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