{"id":5721,"date":"2024-05-21T10:26:21","date_gmt":"2024-05-21T09:26:21","guid":{"rendered":"https:\/\/gocredito.pt\/?p=5721"},"modified":"2024-05-21T10:26:30","modified_gmt":"2024-05-21T09:26:30","slug":"ltv-o-que-e-e-como-influencia-o-credito-habitacao","status":"publish","type":"post","link":"https:\/\/gocredito.pt\/en\/ltv-o-que-e-e-como-influencia-o-credito-habitacao\/","title":{"rendered":"LTV: What is it and how does it influence House Loan?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5721\" class=\"elementor elementor-5721\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-275416d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"275416d8\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&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-2780c2af\" data-id=\"2780c2af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6745d302 elementor-widget elementor-widget-text-editor\" data-id=\"6745d302\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.15.0 - 20-08-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>In the vast world of House Loan there is a term that stands out for its importance: LTV or loan-to-value. But after all, what is LTV and how does it influence the process of obtaining credit to buy a house?<\/p><p><strong>LTV is a measure that compares the value of the mortgage loan to the value of the property being purchased.<\/strong> For example, if you are borrowing \u20ac100,000 to buy a house valued at \u20ac150,000, the LTV would be 66.67%. This percentage reflects the proportion of the loan value in relation to the value of the property.<\/p><p>Now, what makes LTV so relevant in the home loan process? The higher the LTV, the greater the risk for the bank or financial institution granting the loan. This is because with a high LTV, the borrower has less equity invested in the property, which increases the risk of loan default.<\/p><p>Therefore, a higher LTV may result in higher interest rates, less favorable loan terms or even loan denial. On the other hand, a lower LTV is generally considered less risky for the lender, which can lead to better loan terms, such as lower interest rates and longer repayment periods.<\/p><p>Therefore, when applying for a House Loan, it's essential to keep the LTV in mind and try to keep this value as low as possible.<\/p><p>\u00a0<\/p>\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\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>No vasto mundo do cr\u00e9dito habita\u00e7\u00e3o h\u00e1 um termo que se destaca: LTV. Mas afinal, o que \u00e9 o LTV e como influencia o cr\u00e9dito habita\u00e7\u00e3o?<\/p>","protected":false},"author":5,"featured_media":5722,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[99,43],"class_list":["post-5721","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credito-habitacao","tag-credito-bonificado","tag-credito-habitacao"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>LTV: O que \u00e9 e como influencia o Cr\u00e9dito Habita\u00e7\u00e3o?<\/title>\n<meta name=\"description\" content=\"No vasto mundo do cr\u00e9dito habita\u00e7\u00e3o h\u00e1 um termo que se destaca: LTV. Mas afinal, o que \u00e9 o LTV e como influencia o cr\u00e9dito habita\u00e7\u00e3o?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gocredito.pt\/en\/ltv-o-que-e-e-como-influencia-o-credito-habitacao\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LTV: O que \u00e9 e como influencia o Cr\u00e9dito Habita\u00e7\u00e3o?\" \/>\n<meta property=\"og:description\" content=\"No vasto mundo do cr\u00e9dito habita\u00e7\u00e3o h\u00e1 um termo que se destaca: LTV. 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