CLTV

Business & Finance abbreviation · Real Estate & Mortgage

CLTV
Stands forCombined loan-to-value ratio
CategoriesBusiness & Finance

CLTV stands for Combined loan-to-value ratio, a real estate & mortgage abbreviation.

Total of all loans secured by a property, such as a first mortgage plus a home equity line, divided by the property's value. Lenders use it to set limits on second mortgages and HELOCs.

Example: With the HELOC added, our CLTV would be 85%, the lender's maximum.

Usage notes

Some lenders also calculate HCLTV, which uses the full credit limit of a HELOC rather than the amount drawn.

More real estate & mortgage abbreviations

  • bsmt – Basement
  • CAC – Central air conditioning
  • CAM – Common area maintenance
  • CC&Rs – Covenants, conditions and restrictions
  • CCIM – Certified Commercial Investment Member
  • CD – Closing Disclosure
  • CMA – Comparative market analysis
  • CO – Certificate of occupancy
  • COA – Condominium owners association
  • CoC – Cash-on-cash return
  • COE – Certificate of Eligibility
  • CPM – Certified Property Manager

See all 95 real estate & mortgage abbreviations →

Edited by the AbbreviationList.com team. Spotted an error or a missing meaning? Contact us.