The loan-to-value (LTV) ratio is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased. In Real estate, the term is commonly used by banks and building societies to represent the ratio of the first mortgage line as a percentage of the total appraised value of real property. For instance, if someone borrows $130,000 to purchase a house worth $150,000, the LTV ratio is $130,000 to 150,000 or $130,000/$150,000, or 87%. The remaining 13% represent the lender's haircut, adding up to 100% and being covered from the borrower's equity. The higher the LTV ratio, the riskier the loan is for a lender. The valuation of a property is typically determined by an appraiser, but a better measure is an arms-length transaction between a willing buyer and a willing seller. Typically, banks will utilize the lesser of the appraised value and purchase price if the purchase is "recent" (within 1–2 years). (Wikipedia).
Determine a Max Home Loan Given a Monthly Payment (Formula)
This video explains how to determine the maximum loan for a given monthly loan payment. http://mathispower4u.com
From playlist Finance: Annuities and Loans
Determine a Max Car Loan Given a Monthly Payment (Formula)
This video explains how to determine the maximum loan for a given monthly loan payment. http://mathispower4u.com
From playlist Finance: Annuities and Loans
Determine a Loan Amount Given a Down Payment of a Certain Percent
This video explains how to determine a maximum loan amount based upon the down payment being a percent of the total amount. http://mathispower4u.com
From playlist Finance: Annuities and Loans
This video defines a ratio and provides several examples on how to write a ratio and shows how to simplify a ratio. http://mathispower4u.wordpress.com/
From playlist Ratios and Rates
Long Term Debt to Equity Ratio, ROE, & Shareholder's Equity
This finance video tutorial explains how to calculate the long term debt to equity ratio (LT Debt/Eq) and the total debt to equity ratio (Debt/Eq) using a company's shareholder equity and the ROE or return on equity. My Website: https://www.video-tutor.net Patreon Donations: https://www
From playlist Stocks and Bonds
How To Calculate Your Mortgage Payment
This finance video tutorial explains how to calculate your monthly mortgage payment using the amortization formula. All you need is the principal loan balance, the loan term, and the fixed annual interest rate.
From playlist Personal Finance
Business Math - Finance Math (27 of 30) Amortization - Principle vs Interest in Payments (15 Years)
Visit http://ilectureonline.com for more math and science lectures! In this video I will demonstrates the effects of the monthly payments of a 15 year loan. Next video in this series can be seen at: http://youtu.be/hm9nyffrp4c
From playlist BUSINESS MATH 2 FINANCE MATH
Business Math - Finance Math (22 of 30) Amortization - The Effect of Interest Rates on Prices
Visit http://ilectureonline.com for more math and science lectures! In this video I will explain the effect of interest rate on the price of purchasing a home. Next video in this series can be seen at: http://youtu.be/moEZfOVpEog
From playlist BUSINESS MATH 2 FINANCE MATH
FRM: Bank Balance Sheet & Leverage Ratio
Stylized balance sheet of depository institution to illustrate (1) high leverage, (2) dependency on spread (ROA - COF) and (3) key ratios: leverage, and Basel's Tier 1 leverage ratio. For more financial risk videos, visit our website! http://www.bionicturtle.com
From playlist Balance Sheet
Bank balance sheet free response question | APⓇ Macroeconomics | Khan Academy
Courses on Khan Academy are always 100% free. Start practicing—and saving your progress—now: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/ap-financial-sector/banking-and-the-expansion-of-the-money-supply-ap/v/bank-balance-sheet-free-response-question In this vide
From playlist Financial sector | AP Macroeconomics | Khan Academy
How reserve requirements limit how much lending a bank can do. More free lessons at: http://www.khanacademy.org/video?v=VP3nKDUw1jA
From playlist Banking and Money
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Capitalism: Success, Crisis and Reform (PLSC 270) Guest speaker Will Goetzmann, Director of the Yale International Center for Finance and professor at the Yale School of Management, provides a brief history of debt and financial crises. Professor Goetzmann begins with a discussion on de
From playlist Capitalism: Success, Crisis and Reform with Douglas W. Rae
The 2019 Stavros Niarchos Foundation Lecture with Yannis Stournaras
The Stavros Niarchos Foundation Lecture in Hellenic Studies was established in 2004 in honor of the Program’s sponsors. The Program had been funded by the Stavros Niarchos Foundation as a pilot program from 2001 to 2007. In 2007 the Board of Directors of the Foundation endowed the Stavros
From playlist Stavros Niarchos Annual Lecture
12. Real Estate Finance and its Vulnerability to Crisis
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From playlist Financial Markets (2008) with Robert Shiller
Banking 10: Introduction to leverage (bad sound)
What leverage is. Why it is is good or bad. Leverage and insolvency. More free lessons at: http://www.khanacademy.org/video?v=8fxilNdEQTo
From playlist Banking and Money
FRM: Risk-adjusted return on capital (RAROC)
RAROC is a risk-adjusted performance measure (RAPM): risk-adjusted return divided by economic capital (i.e., the capital reserved to cover unexpected losses). For more financial risk videos, visit our website! http://www.bionicturtle.com
From playlist Performance measures
How To Calculate The True Cost of a Mortgage Loan
This finance video tutorial explains how to calculate the true cost of a mortgage which is equivalent to the total interest paid over the life of the loan. You can reduce the total interest cost by negotiating for a lower fixed annual interest rate or by increasing your monthly payment to
From playlist Personal Finance
Bank balance sheets and fractional reserve banking | APⓇ Macroeconomics | Khan Academy
Courses on Khan Academy are always 100% free. Start practicing—and saving your progress—now: https://www.khanacademy.org/economics-finance-domain/ap-macroeconomics/ap-financial-sector/banking-and-the-expansion-of-the-money-supply-ap/v/bank-balance-sheets-in-a-fractional-reserve-system Thi
From playlist Financial sector | AP Macroeconomics | Khan Academy
Sign up for Power Corridor using this link: https://bit.ly/3TbHNzN A number of things went wrong at Silicon Valley Bank over the last days, weeks and years, there were huge failures of risk management. The risk manager would have some tough questions to answer, except that it appears th
From playlist What is Happening In The Market?