Talk:Loan-to-value ratio/Archives/2012

Merge Loan-to-value ratio into this article

Loan-to-value ratio refers to exactly the same thing as this article, and I believe it should be merged in. Do you agree? --Crocodile Punter 13:02, 19 November 2006 (UTC)

I merged them. I put everything here because this was the more substantial article of the two. (Most of "Loan to value ratio" was a tutorial for figuring out the LTV ratio and Wikipedia policy discourages this.) However, it looks like "LTV ratio" Google=1,070,000 is more common than "LTV" alone Google=617,000. I think this article should be moved to LTV ratio to preserve the edit history, but since everything already redirects here that's a minor point. Tocharianne 17:05, 30 December 2006 (UTC)

Link Spam

Are the links to ehow.com and doityourself.com in the references section just link spam? Having clicked on the links I can't see how they relate to the artical at all. References should be to information that support the WP entry. The Yahoo entry isn't much better. I suggest the whole 'References' section is deleted. I'll do so in 2 weeks if there's no objection. Slothie 10:12, 21 May 2007 (UTC)

Why only mortgages?

LTV is a concept used in many other kinds of lending as well. Uucp 19:41, 19 July 2007 (UTC)

Yes. I've added a "generalize" tag to the article.

In addition, the detailed mortgage-related content might be better placed in Mortgage loan#Loan_to_value_and_downpayments and summarized here. --Pnm (talk) 14:18, 12 June 2010 (UTC)

What types of lending are we talking about? I am not aware of many other types of loans which would have the collateral as clearly valued. Car loans are typically chattel mortgages. The other types of loans such as corporate bonds or lines of credit are often less clear about the underlying security interest. II | (t - c) 21:26, 12 June 2010 (UTC)

To be more precise: the article shouldn't be limited to real estate collateral.

I agree, cars are the best example. Other possibilities: Business equipment, accounts receivable, farm equipment, motorcycles, boats, tax return proceeds, or misc chattel (e.g. for a financed purchase of a bicycle, refrigerator, computer). It seems odd to use LTV with a line of credit (it'd be "credit limit to value"), but I think it would apply to any secured closed-end loan. --Pnm (talk) 22:50, 12 June 2010 (UTC)