This write-up is on Singapore’s increasing loan-to-value ratio. Loan-to-value (LTV) is basically a notion used to describe the loan amount a mortgage lender is willing to offer you based on the value of the property. When calculating loan to value, It is common practice to replace the property value with the buying price if the buying price is lower than the property value. These circumstances can occur when the seller is in a hurry to sell his piece of real estate, the property in question had faced foreclosure due to defaults, etc.

.