{"id":9331,"date":"2023-11-26T16:44:09","date_gmt":"2023-11-26T15:44:09","guid":{"rendered":"https:\/\/www.fidem.lu\/beleihungswertauslauf\/"},"modified":"2023-11-26T17:09:17","modified_gmt":"2023-11-26T16:09:17","slug":"loan-to-value","status":"publish","type":"page","link":"https:\/\/www.fidem.lu\/en\/loan-to-value\/","title":{"rendered":"loan-to-value"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9331\" class=\"elementor elementor-9331\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-100490d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"100490d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3546eed\" data-id=\"3546eed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c21cd7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c21cd7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d8f12a5 elementor-invisible\" data-id=\"d8f12a5\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-280b726 textBreakOverflow elementor-widget elementor-widget-heading\" data-id=\"280b726\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Loan to Value<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a79355 divider-blue elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"4a79355\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-756ab70 elementor-widget elementor-widget-heading\" data-id=\"756ab70\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why is \u201cLoan to Value\u201d a key criteria for my home financing ?\t\t\t\t\t<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3bd80 elementor-widget elementor-widget-text-editor\" data-id=\"5d3bd80\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Loan-to-value (LTV) is an important ratio for banks to process any credit request. The ratio provides information on how high the credit risk is for the bank.<\/p><p style=\"text-align: center;\">Its calculation is a percentage that states the <strong>proportion between the value of the property and the loan amount<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cd1cab7 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"cd1cab7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca984bb\" data-id=\"ca984bb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5a90e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"e5a90e2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4aa1742 elementor-invisible\" data-id=\"4aa1742\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91350a7 elementor-widget elementor-widget-image\" data-id=\"91350a7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8895\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8bc2ab1 elementor-invisible\" data-id=\"8bc2ab1\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63a63b8 elementor-widget elementor-widget-heading\" data-id=\"63a63b8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Example of a loan-to-value ratio<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-863304d elementor-widget elementor-widget-text-editor\" data-id=\"863304d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For instance, a loan-to-value of 100% means that the loan finances 100% of the real estate asset valuation. If the borrowers only pay the related acquisition fees when buying a property, the bank covers 100% of the loan issued with a guarantee, usually with a mortgage on the property.<\/p><p>The lower this ratio is, the lower the risk is for the bank. If a buyer can pay the <a href=\"https:\/\/www.fidem.lu\/en\/equity-capital\/\">transaction costs<\/a> and another 10% of the purchase price, loan-to-value is 90%.<\/p><p>In most cases, the property value equals the purchase price. But the bank risk assessment can also include the evaluation of the real estate object to compare the stated acquisition price with their estimation of the asset market value. The main factors influencing the property value are its location, the living space, parking spaces, the nature of the latest renovations, and its current energy performance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2261730 blog-bubbleMidBlueLeftBG-580px-resize elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"2261730\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20bbf90\" data-id=\"20bbf90\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d6ef29a elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d6ef29a\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b554b9 elementor-invisible\" data-id=\"3b554b9\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6411c71 elementor-widget elementor-widget-image\" data-id=\"6411c71\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8895\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4b5ccb elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d4b5ccb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e954742 elementor-invisible\" data-id=\"e954742\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9958d54 elementor-widget elementor-widget-heading\" data-id=\"9958d54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Example of a loan-to-value ratio<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae4521b elementor-widget elementor-widget-text-editor\" data-id=\"ae4521b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For instance, a loan-to-value of 100% means that the loan finances 100% of the real estate asset valuation. If the borrowers only pay the related acquisition fees when buying a property, the bank covers 100% of the loan issued with a guarantee, usually with a mortgage on the property.<\/p><p>The lower this ratio is, the lower the risk is for the bank. If a buyer can pay the <a href=\"https:\/\/www.fidem.lu\/en\/equity-capital\/\">transaction costs<\/a> and another 10% of the purchase price, loan-to-value is 90%.<\/p><p>In most cases, the property value equals the purchase price. But the bank risk assessment can also include the evaluation of the real estate object to compare the stated acquisition price with their estimation of the asset market value. The main factors influencing the property value are its location, the living space, parking spaces, the nature of the latest renovations, and its current energy performance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c52c272 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c52c272\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-886a09f\" data-id=\"886a09f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5f1cbf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5f1cbf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b472e4f elementor-invisible\" data-id=\"b472e4f\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7ae62d elementor-widget elementor-widget-heading\" data-id=\"d7ae62d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Banking regulations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0e052 elementor-widget elementor-widget-text-editor\" data-id=\"7e0e052\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The banking regulator <strong>CSSF<\/strong> (Commission de Surveillance du Secteur Financier) limits the loan-to-value ratio on real estate according to the following rules depending on the buyers\u2019 real estate project. Each bank applies their loan-to-value assessment criteria, and they can condition their maximum loan-to-value acceptance, without exceeding the <strong>upper limit of 100% loan-to-value<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f4e06b elementor-widget elementor-widget-heading\" data-id=\"4f4e06b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">First-time buyers of a main residence: <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a64003 elementor-widget elementor-widget-text-editor\" data-id=\"1a64003\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>First-time buyers in Luxembourg can borrow up to 100%<\/strong>. For joint purchase, If one of the buyers has already been an owner of a property in Luxembourg, they will no longer qualify as first-time buyers. Loan-to-Value rules are stricter for Second-time buyers of a main residence and for the acquisition of a second residence or a rental property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3fa7bb7 elementor-invisible\" data-id=\"3fa7bb7\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23995ce elementor-widget elementor-widget-image\" data-id=\"23995ce\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/one-house-white-300px.png\" class=\"attachment-large size-large wp-image-9123\" alt=\"Erstk\u00e4ufer\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/one-house-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/one-house-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-23d38dd elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23d38dd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-99f3002 elementor-invisible\" data-id=\"99f3002\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75889b9 elementor-widget elementor-widget-image\" data-id=\"75889b9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1.png\" class=\"attachment-large size-large wp-image-9144\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-42b1715 elementor-invisible\" data-id=\"42b1715\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0d1b7f2 elementor-widget elementor-widget-heading\" data-id=\"0d1b7f2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Second-time buyers of a main residence: <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83e8ad6 elementor-widget elementor-widget-text-editor\" data-id=\"83e8ad6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If buyers are no longer considered as first-time buyers as previously explained, and they are buying a new real estate project for their own residential purposes, e.g. to move from an apartment to a house, an extra down payment will be required. In this case, buyers can borrow up to 90% of the value of the property. They must therefore pay at least 10% of the value plus the acquisition fees from their personal savings to respect a <strong>maximum loan-to-value of 90%<\/strong>. \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f1d114 elementor-widget elementor-widget-heading\" data-id=\"8f1d114\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Rental property investment \/ secondary residence:<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc440d1 elementor-widget elementor-widget-text-editor\" data-id=\"bc440d1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Anyone who acquires a secondary residence or a property to earn a rental income, must respect a <strong>maximum LTV ratio of 80%<\/strong>. Thus, rental property and secondary residence owners will have to pay from their own funds at least 20% of the purchase price before any acquisition fees. Banks can also finance secondary residence which is a holiday property located outside Luxembourg. Since the 80% limit is only a maximum, individual banks may still require a higher down payment contribution.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-450d602 elementor-widget elementor-widget-html\" data-id=\"450d602\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style type=\"text\/css\">\r\n.tg1  {border-collapse:collapse;border-spacing:0;margin:0px auto;}\r\n.tg1 td{border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg1 th{border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg1 .tg1-0pky{border-color:white;text-align:left;vertical-align:top;color:white !important;line-height:1.2;}\r\n@media screen and (max-width: 767px) {.tg1 {width: auto !important;}.tg1 col {width: auto !important;}.tg1-wrap {overflow-x: auto;-webkit-overflow-scrolling: touch;margin: auto 0px;}}<\/style>\r\n<div class=\"tg1-wrap\"><table class=\"tg1\">\r\n<thead>\r\n  <tr>\r\n    <th class=\"tg1-0pky\">Loan-to-Value Ratio<\/th>\r\n    <th class=\"tg1-0pky\">First-time buyers<\/th>\r\n    <th class=\"tg1-0pky\">Second-time buyers<\/th>\r\n  <\/tr>\r\n<\/thead>\r\n<tbody>\r\n  <tr>\r\n    <td class=\"tg1-0pky\">Main Residence<\/td>\r\n    <td class=\"tg1-0pky\">Up to 100%<\/td>\r\n    <td class=\"tg1-0pky\">Up to 90%<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg1-0pky\">Second Residence \/ Rental property<\/td>\r\n    <td class=\"tg1-0pky\">Up to 80%<\/td>\r\n    <td class=\"tg1-0pky\">Up to 80%<\/td>\r\n  <\/tr>\r\n<\/tbody>\r\n<\/table><\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-709fee7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"709fee7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f21c03\" data-id=\"5f21c03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-de7bbaf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de7bbaf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-01bdb7c elementor-invisible\" data-id=\"01bdb7c\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fc8af24 elementor-widget elementor-widget-heading\" data-id=\"fc8af24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Impacts of Renovations on the LTV<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fbb8f8 elementor-widget elementor-widget-text-editor\" data-id=\"3fbb8f8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Renovations can have an <strong>impact on the market value of the property<\/strong> or on the LTV. Banks make a distinction between value-enhancing and value-maintaining renovations.<\/p><p>A <strong>value-enhancing renovation<\/strong> is, for instance, when the living space is increased by converting the attic or the energy efficiency is improved by new windows or better thermal insulation.<\/p><p><strong>Value-preserving renovations <\/strong>or modernizations are those that should be carried out regularly to maintain the value of the property. This is the case, for example, with the replacement of bathroom fixtures, new tiles, new flooring, etc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ba4ae94 elementor-invisible\" data-id=\"ba4ae94\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31fe764 elementor-widget elementor-widget-image\" data-id=\"31fe764\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/house-renovation-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-9129\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/house-renovation-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/house-renovation-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-04252d0 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04252d0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a65d8c8 elementor-invisible\" data-id=\"a65d8c8\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9752470 elementor-widget elementor-widget-image\" data-id=\"9752470\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-9114\" alt=\"Geldtransfer\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-57cc499 elementor-invisible\" data-id=\"57cc499\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b0fc85c elementor-widget elementor-widget-text-editor\" data-id=\"b0fc85c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Expensive renovations to the property do not always increase the value of the property. If the existing functional kitchen is replaced with a new high-end kitchen, it may be more attractive at the time of the property sale, if the bank must force the sale of the apartment or house, its value will probably not be reflected in the auction price.<\/p><p>In the case of a bank-financed renovation, the LTV should include a <strong>maximum of 80%<\/strong> of the renovation costs. The remaining <strong>20% should be covered<\/strong> by the buyers through additional equity if the original LTV of the purchase price is already 100%.<\/p><p>Since Value Added Tax (VAT) is not a value component, only materials and labor can be financed.<\/p><p>As a conclusion, the lower the LTV, the lower the risk for the bank. A low LTV is also a <strong>strong factor in negotiating interest rates<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b417c52 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"b417c52\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-831ce37\" data-id=\"831ce37\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8786a16 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8786a16\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> will gladly take care of these negotiations for you, so that you can benefit from the best conditions for your real estate project! <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1422686 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1422686\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ca0d229\" data-id=\"ca0d229\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-088f85a elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"088f85a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\" id=\"front_contact_steps\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get advice now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cdadee4 bubblesBG elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cdadee4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d54e6aa\" data-id=\"d54e6aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-500dee9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"500dee9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-98dc383\" data-id=\"98dc383\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fcf2546 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"fcf2546\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">KEY TAKEAWAYS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb998f elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7eb998f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-large\">Die wichtigsten Erkenntnisse warum Sie <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> als Ihren Kreditvermittler w\u00e4hlen sollten<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-699a521 divider-blue elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"699a521\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6d04776 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"6d04776\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ee128e2\" data-id=\"ee128e2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28a0b75 elementor-widget elementor-widget-heading\" data-id=\"28a0b75\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">1<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8a3ed09\" data-id=\"8a3ed09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-189cfd3 elementor-widget elementor-widget-text-editor\" data-id=\"189cfd3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIndividuelle Analyse Ihrer pers\u00f6nlichen Kreditaufnahmekapazit\u00e4t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-85176d5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"85176d5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-41ff379\" data-id=\"41ff379\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ed911b elementor-widget elementor-widget-heading\" data-id=\"1ed911b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">2<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3f7692c\" data-id=\"3f7692c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72d058a elementor-widget elementor-widget-text-editor\" data-id=\"72d058a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tExperten begleiten Sie durch den Produktdschungel der Banken\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9d9d225 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"9d9d225\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f70e9cd\" data-id=\"f70e9cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae51b98 elementor-widget elementor-widget-heading\" data-id=\"ae51b98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b18095d\" data-id=\"b18095d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2eddb86 elementor-widget elementor-widget-text-editor\" data-id=\"2eddb86\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSparen Sie Zeit und Aufwand bei der Erstellung Ihrer Kreditanfrage\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-70bb0c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"70bb0c5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-36240d2\" data-id=\"36240d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ddf961 elementor-widget elementor-widget-heading\" data-id=\"4ddf961\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">4<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c16562\" data-id=\"6c16562\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9fa1af7 elementor-widget elementor-widget-text-editor\" data-id=\"9fa1af7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Ein Ansprechpartner der f\u00fcr Sie die Verhandlungen bei allen Partnerbanken \u00fcbernimmt<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-39d0213 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"39d0213\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-99d1ad7\" data-id=\"99d1ad7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdea40d elementor-widget elementor-widget-heading\" data-id=\"cdea40d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0c027ab\" data-id=\"0c027ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73cd536 elementor-widget elementor-widget-text-editor\" data-id=\"73cd536\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Unabh\u00e4ngiger und transparenter Kreditvergleich<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-274c7f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"274c7f2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bc14874\" data-id=\"bc14874\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c9e392 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0c9e392\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> bietet all dies, ma\u00dfgeschneidert, schnell und kostenfrei.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8cc39e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cc39e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d94b36b\" data-id=\"d94b36b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e9f6c37 elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"e9f6c37\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\" id=\"front_contact_steps\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Buchen Sie jetzt Ihren Termin<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Loan to Value Why is \u201cLoan to Value\u201d a key criteria for my home financing ? Loan-to-value (LTV) is an important ratio for banks to process any credit request. The ratio provides information on how high the credit risk is for the bank. Its calculation is a percentage that states the proportion between the value&hellip;&nbsp;<a href=\"https:\/\/www.fidem.lu\/en\/loan-to-value\/\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">loan-to-value<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-pagebuilder-full-width.php","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"off","neve_meta_content_width":100,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","footnotes":""},"class_list":["post-9331","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loan-to-value ratio as an important indicator for loans | fidem.<\/title>\n<meta name=\"description\" content=\"The loan-to-value ratio is an important key figure in the risk assessment of real estate loans for banks.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fidem.lu\/en\/loan-to-value\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan-to-value ratio as an important indicator for loans | fidem.\" \/>\n<meta property=\"og:description\" content=\"The loan-to-value ratio is an important key figure in the risk assessment of real estate loans for banks.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fidem.lu\/en\/loan-to-value\/\" \/>\n<meta property=\"og:site_name\" content=\"fidem.\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-26T16:09:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fidem.lu\/en\/loan-to-value\/\",\"url\":\"https:\/\/www.fidem.lu\/en\/loan-to-value\/\",\"name\":\"Loan-to-value ratio as an important indicator for loans | fidem.\",\"isPartOf\":{\"@id\":\"https:\/\/www.fidem.lu\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fidem.lu\/en\/loan-to-value\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fidem.lu\/en\/loan-to-value\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\",\"datePublished\":\"2023-11-26T15:44:09+00:00\",\"dateModified\":\"2023-11-26T16:09:17+00:00\",\"description\":\"The loan-to-value ratio is an important key figure in the risk assessment of real estate loans for banks.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fidem.lu\/en\/loan-to-value\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fidem.lu\/en\/loan-to-value\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.fidem.lu\/en\/loan-to-value\/#primaryimage\",\"url\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\",\"contentUrl\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fidem.lu\/en\/loan-to-value\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\/\/www.fidem.lu\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"loan-to-value\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fidem.lu\/#website\",\"url\":\"https:\/\/www.fidem.lu\/\",\"name\":\"fidem.\",\"description\":\"credit &amp; finance\",\"publisher\":{\"@id\":\"https:\/\/www.fidem.lu\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fidem.lu\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fidem.lu\/#organization\",\"name\":\"fidem. 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