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Mortgage LTV Ratio & Margin of Finance for Home Loans
When applying for a mortgage / home loan in Malaysia, a key consideration is the Loan-to-Value (LTV) ratio, also known as the margin of finance. It is common for property purchases to be abandoned because of unfavorable LTV ratios. So what affects the LTV ratio on your home loan?
Residential Property Loans
In Malaysia, it is normal to expect 90% LTV ratio for a residential mortgage loan (more commonly known as a housing loan). But Bank Negara closely regulates the LTV ratios for residential mortgage loans to prevent uncontrolled speculation.
If a person has 2 or more existing residential...