The LTV, or Loan-to-Value ratio, indicates the ratio of the loan to the value of the property. In Germany banks will use the collateral value as the property value. The lower the LTV the less risky a bank considers a loan. Therefor they offer you a better interest rate for a loan with a lower LTV. You can reduce the LTV by increasing the downpayment.
Yes, its free, online and non-binding!
Mon - Fri: 9 AM - 7 PM
Hypofriend GmbH is an independent mortgage broker certified with the §34i GewO supervised by BaFin. Hypofriend works together with over 400 partner banks to find customers the optimal mortgage. Our headquarters is in Berlin, Germany.
© Hypofriend GmbH 2020
Certified by
Covered by
GDPR Standards
EN
/DE
Mon - Fri: 9 AM - 7 PM
Hypofriend GmbH is an independent mortgage broker certified with the §34i GewO supervised by BaFin. Hypofriend works together with over 400 partner banks to find customers the optimal mortgage. Our headquarters is in Berlin, Germany.
© Hypofriend GmbH 2020
Certified by
Covered by
GDPR Standards
EN
/DE
Mon - Fri: 9 AM - 7 PM
Hypofriend GmbH is an independent mortgage broker certified with the §34i GewO supervised by BaFin. Hypofriend works together with over 400 partner banks to find customers the optimal mortgage. Our headquarters is in Berlin, Germany.
© Hypofriend GmbH 2020
Certified by
Covered by
GDPR Standards
EN
/DE