- Operational Accounting
- Disbursing
- Collections
- Financial Reporting
- FM Standards
- TFM Classic
Loan-to-value ratio represents the proportion of the amount of a loan to the value being pledged to secure that loan. It is derived as follows: total financing costs (i.e., the market value of the collateral plus the financed portion of any closing costs, insurance premiums, or other transaction-related expenses less the borrower's cash down payment) divided by the market value of the collateral.