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Shopping around does more than get you the best interest rate on your auto loan or the lowest price on your new car – it also helps you get the most for your trade-in. Visit multiple dealerships and request an estimate to learn the value of your trade-in. Keep copies of your quotes and use this information as a bargaining chip.

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How to Calculate. To calculate an LTV ratio, divide the amount of a loan into the total value of the asset securing the loan. Example: Assume you want to buy a home worth $100,000. You have $20,000 available for a down payment, so you will need to borrow $80,000.

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Best Answer: Loan to value means what percent of the value you may borrow. If you buy a $10,000 car and the loan to value is 90% you borrow $9,000 and pay a $1,000 down payment. From the lender’s perspective the higher the loan to value the riskier the loan because (1) the borrower has nothing to lose by not paying and (2) the probability that the value of the collateral will depreciate faster.

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Car and Driver presents Car-Buying Terms Glossary.. Insurance that covers the difference between a vehicle’s depreciated value in a loan. which is nearly always worth buying with a new car.

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A loan to value (LTV) ratio describes the size of a loan you take out compared to the value of the property securing the loan. Lenders and others use LTV’s to determine how risky a loan is. A higher LTV ratio suggests more risk because the assets behind the loan are less likely to pay off the loan as the LTV ratio increases.