When people talk LVR, do they mean equity to debt or equity + liquid assets to debt?

Discussion in 'Loans & Mortgage Brokers' started by jaybean, 11th Aug, 2015.

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  1. Bran

    Bran Well-Known Member

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    I did, but I'm still confused. Ill stick to whats in my own head.

    Actually, I missed a post and now I get it. And I don't like it.

    Mine would be 99.2%

    Better keep working.
     
    Bran, 11th Aug, 2015
    #21
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  2. Aaron Sice

    Aaron Sice Well-Known Member

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    Loan To Value Ratio is simple.

    Loan $100k against Value $125k = Ratio of 100:125, or 10:12.5, or 8:10 or 4:5 or 80%.
     
    Aaron Sice, 11th Aug, 2015
    #22
  3. Sackie

    Sackie Well-Known Member

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    @jaybean is not counting any equity from his property portfolio because he is deeming it all illiquid. So consider it all debt. He is only counting his cash, stocks and LOC assets as non debt, and measuring that against his portfolio.
     
    Sackie, 11th Aug, 2015
    #23
  4. Sackie

    Sackie Well-Known Member

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    Aaron I understand. you need to read the whole thread to get where its going.
     
    Sackie, 11th Aug, 2015
    #24
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  5. Sackie

    Sackie Well-Known Member

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    kind of yeah :D
     
    Sackie, 11th Aug, 2015
    #25
  6. Aaron Sice

    Aaron Sice Well-Known Member

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    yeah but where it's going is a LOOOONG way from the opening post.
     
    Aaron Sice, 11th Aug, 2015
    #26
  7. Sackie

    Sackie Well-Known Member

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    No its not. Read the last 3 sentences of the opening post mate.
     
    Sackie, 11th Aug, 2015
    #27
  8. The Y-man

    The Y-man Moderator Staff Member

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    I have had the proverbial hit the fan, and it was relatively easy to offload 4 or 5 properties in a matter of months - so depending on what you have bought, they are relatively liquid.

    The Y-man
     
    The Y-man, 11th Aug, 2015
    #28
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