{"id":73231,"date":"2025-07-09T15:19:32","date_gmt":"2025-07-09T07:19:32","guid":{"rendered":"https:\/\/www.iqiglobal.com\/blog\/?p=73231"},"modified":"2026-01-09T15:56:10","modified_gmt":"2026-01-09T07:56:10","slug":"loan-to-value-explanation","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/loan-to-value-explanation\/","title":{"rendered":"What Is Loan-to-Value (LTV) and How It Affects Home Loans in Malaysia"},"content":{"rendered":"<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body><p>If you&rsquo;re planning to buy a home in Malaysia, <strong>Loan-to-Value (LTV)<\/strong> is one of the most important terms you&rsquo;ll come across. Whether you&rsquo;re a first-time buyer or looking to invest in property, knowing how much banks are willing to lend compared to the property&rsquo;s value can help you plan smarter.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/10\/09151434\/iqi-global-loan-to-value-683x1024.png\" alt=\"\" class=\"wp-image-114466\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/10\/09151434\/iqi-global-loan-to-value-683x1024.png 683w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/10\/09151434\/iqi-global-loan-to-value-200x300.png 200w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/10\/09151434\/iqi-global-loan-to-value-768x1152.png 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/10\/09151434\/iqi-global-loan-to-value-370x555.png 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/10\/09151434\/iqi-global-loan-to-value-865x1298.png 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/10\/09151434\/iqi-global-loan-to-value-642x963.png 642w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/10\/09151434\/iqi-global-loan-to-value.png 1024w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>All you need to know about Loan-to-Value<\/h2><ul><li><a href=\"#h-what-is-ltv\" data-level=\"2\">What Is LTV?<\/a><ul><li><a href=\"#h-loan-to-value-formula\" data-level=\"3\">Loan-to-Value Formula:<\/a><\/li><li><a href=\"#h-ltv-limits-in-malaysia\" data-level=\"3\">LTV Limits in Malaysia<\/a><\/li><\/ul><\/li><li><a href=\"#h-why-ltv-matters\" data-level=\"2\">Why LTV Matters<\/a><ul><li><a href=\"#h-lower-ltv-e-g-70-80\" data-level=\"3\">Lower LTV (e.g., 70&ndash;80%):<\/a><\/li><li><a href=\"#h-higher-ltv-e-g-90-or-more\" data-level=\"3\">Higher LTV (e.g., 90% or more):<\/a><\/li><\/ul><\/li><li><a href=\"#h-what-about-dsr-debt-service-ratio\" data-level=\"2\">What About DSR (Debt Service Ratio)?<\/a><ul><li><a href=\"#h-dsr-formula\" data-level=\"3\">DSR Formula:<\/a><\/li><li><a href=\"#h-aisha-s-story-a-simple-ltv-dsr-example\" data-level=\"3\">Aisha&rsquo;s Story: A Simple LTV + DSR Example<\/a><\/li><\/ul><\/li><li><a href=\"#h-which-banks-in-malaysia-offer-the-best-terms\" data-level=\"2\">Which Banks in Malaysia Offer the Best Terms?<\/a><\/li><li><a href=\"#h-how-to-improve-your-approval-odds\" data-level=\"2\">How to Improve Your Approval Odds<\/a><\/li><li><a href=\"#h-summary-ltv-at-a-glance\" data-level=\"2\">Summary: LTV at a Glance<\/a><\/li><li><a href=\"#h-tips-to-improve-your-ltv-amp-loan-outcome\" data-level=\"2\">Tips to Improve Your LTV &amp; Loan Outcome<\/a><\/li><\/ul><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-ltv\">What Is LTV?<\/h2>\n\n\n\n<p><strong>LTV<\/strong> stands for <strong>Loan-to-Value<\/strong>, and it&rsquo;s a percentage that shows how much of the property price the bank will finance. The rest is your responsibility&mdash;usually paid as a down payment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-loan-to-value-formula\">Loan-to-Value Formula:<\/h3>\n\n\n\n<div style=\"border:1px solid #ccc; padding:20px; border-radius:8px; background:#f9f9f9; font-family:Arial, sans-serif; max-width:500px; margin:20px auto;\">\n  <h3 style=\"text-align:center; color:#2b2b2b;\">&#128202; Loan-to-Value (LTV) Formula<\/h3>\n  <p style=\"font-size:16px; margin-bottom:10px;\">\n    <strong>Formula:<\/strong>\n  <\/p>\n  <p style=\"font-size:18px; font-weight:bold; background:#fff; padding:10px; border:1px dashed #aaa; border-radius:6px; text-align:center;\">\n    LTV (%) = (Loan Amount &divide; Property Value) &times; 100\n  <\/p>\n  <p style=\"margin-top:15px; font-size:15px;\">\n    <strong>Example:<\/strong> If you borrow RM450,000 for a home valued at RM500,000,\n  <\/p>\n  <p style=\"font-size:16px; background:#fff; padding:10px; border:1px solid #e0e0e0; border-radius:6px; text-align:center;\">\n    LTV = (450,000 &divide; 500,000) &times; 100 = <strong>90%<\/strong>\n  <\/p>\n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ltv-limits-in-malaysia\">LTV Limits in Malaysia<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>First &amp; Second Homes<\/strong>: Up to <strong>90% LTV<\/strong><\/li>\n\n\n\n<li><strong>Third Home Onwards<\/strong>: Maximum <strong>70% LTV<\/strong> (per Bank Negara&rsquo;s policy to curb speculation)<\/li>\n<\/ul>\n\n\n\n<p>The more homes you own, the <strong>lower your allowable LTV<\/strong>, meaning you&rsquo;ll need to pay more upfront.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-ltv-matters\">Why LTV Matters<\/h2>\n\n\n\n<p>LTV doesn&rsquo;t just affect how much you can borrow&mdash;it also affects your <strong>interest rate<\/strong>, <strong>loan approval<\/strong>, and whether you&rsquo;ll need <strong>mortgage insurance<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-lower-ltv-e-g-70-80\">Lower LTV (e.g., 70&ndash;80%):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Seen as <strong>lower risk<\/strong> by banks<\/li>\n\n\n\n<li>Can qualify for <strong>better interest rates<\/strong><\/li>\n\n\n\n<li>Often <strong>doesn&rsquo;t require insurance<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-higher-ltv-e-g-90-or-more\">Higher LTV (e.g., 90% or more):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Higher risk<\/strong> for banks<\/li>\n\n\n\n<li>May come with <strong>higher interest rates<\/strong><\/li>\n\n\n\n<li>May require <strong>insurance<\/strong> or stricter approval conditions<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-about-dsr-debt-service-ratio\">What About DSR (Debt Service Ratio)?<\/h2>\n\n\n\n<p>While LTV measures how much you can borrow <strong>based on property value<\/strong>, <strong>DSR (Debt-Service Ratio)<\/strong> measures how much you can borrow <strong>based on your income<\/strong> and existing commitments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-dsr-formula\">DSR Formula:<\/h3>\n\n\n\n<div style=\"border:1px solid #ccc; padding:20px; border-radius:8px; background:#f1f8ff; font-family:Arial, sans-serif; max-width:500px; margin:20px auto;\">\n  <h3 style=\"text-align:center; color:#2b2b2b;\">&#128201; Debt-Service Ratio (DSR) Formula<\/h3>\n  <p style=\"font-size:16px; margin-bottom:10px;\">\n    <strong>Formula:<\/strong>\n  <\/p>\n  <p style=\"font-size:18px; font-weight:bold; background:#fff; padding:10px; border:1px dashed #aaa; border-radius:6px; text-align:center;\">\n    DSR (%) = (Total Monthly Debt Obligations &divide; Monthly Income) &times; 100\n  <\/p>\n  <p style=\"margin-top:15px; font-size:15px;\">\n    <strong>Example:<\/strong> If you earn RM10,000 and have total debts of RM3,000 per month,\n  <\/p>\n  <p style=\"font-size:16px; background:#fff; padding:10px; border:1px solid #e0e0e0; border-radius:6px; text-align:center;\">\n    DSR = (3,000 &divide; 10,000) &times; 100 = <strong>30%<\/strong>\n  <\/p>\n<\/div>\n\n\n\n<p>Banks use this to ensure you won&rsquo;t be overwhelmed by debt after your loan is approved.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-aisha-s-story-a-simple-ltv-dsr-example\">Aisha&rsquo;s Story: A Simple LTV + DSR Example<\/h3>\n\n\n\n<p>Aisha found her dream apartment for <strong>RM500,000<\/strong>. With a <strong>90% LTV<\/strong>, she could borrow <strong>RM450,000<\/strong>. But the bank also looked at her <strong>DSR<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly income<\/strong>: RM10,000<\/li>\n\n\n\n<li><strong>Other debt (car loan + personal loan)<\/strong>: RM3,000<\/li>\n\n\n\n<li><strong>DSR<\/strong> = (3,000 &divide; 10,000) &times; 100 = <strong>30%<\/strong><\/li>\n<\/ul>\n\n\n\n<p>The bank allowed a <strong>50% max DSR<\/strong>, so she had <strong>20% (RM2,000)<\/strong> room left for her home loan.<\/p>\n\n\n\n<p>Result? Although LTV allowed a RM450,000 loan, her DSR only supported about RM400,000 in monthly repayments&mdash;so she adjusted her budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-banks-in-malaysia-offer-the-best-terms\">Which Banks in Malaysia Offer the Best Terms?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Maybank<\/strong>: Great for tools and DSR\/LTV calculators online<\/li>\n\n\n\n<li><strong>Public Bank<\/strong>: Known for <strong>low-interest rates<\/strong> and stable lending practices<\/li>\n\n\n\n<li><strong>CIMB, RHB, and Hong Leong<\/strong>: Often offer seasonal promos and flexible packages<\/li>\n<\/ul>\n\n\n\n<p>&#128172; <strong>Tip<\/strong>: Compare rates and LTV policies from <strong>at least 3 banks<\/strong>. Also check whether you&rsquo;re eligible for <strong>first-time homebuyer incentives<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-improve-your-approval-odds\">How to Improve Your Approval Odds<\/h2>\n\n\n\n<p>Before applying for a home loan:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>&#9989; Do<\/th><th>&#10060; Don&rsquo;t<\/th><\/tr><\/thead><tbody><tr><td>Pay all bills and loans <strong>on time<\/strong><\/td><td>Apply for too many loans at once<\/td><\/tr><tr><td>Check your <strong>CCRIS report<\/strong><\/td><td>Max out credit cards<\/td><\/tr><tr><td>Reduce existing debts<\/td><td>Be a guarantor unless necessary<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-summary-ltv-at-a-glance\">Summary: LTV at a Glance<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Term<\/th><th>Description<\/th><\/tr><\/thead><tbody><tr><td><strong>LTV<\/strong><\/td><td>How much the bank will lend vs. property value<\/td><\/tr><tr><td><strong>High LTV<\/strong><\/td><td>Lower down payment, higher risk<\/td><\/tr><tr><td><strong>Low LTV<\/strong><\/td><td>Higher equity, better interest rate<\/td><\/tr><tr><td><strong>DSR<\/strong><\/td><td>Monthly debt obligations vs. monthly income<\/td><\/tr><tr><td><strong>Best Practice<\/strong><\/td><td>Balance LTV and DSR for approval success<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tips-to-improve-your-ltv-amp-loan-outcome\">Tips to Improve Your LTV &amp; Loan Outcome<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Boost your down payment<\/strong> &mdash; lower LTV = better interest rate.<\/li>\n\n\n\n<li><strong>Reduce debts<\/strong> &mdash; improves both your DSR &amp; loan approval chances.<\/li>\n\n\n\n<li><strong>Keep an eye on CLTV<\/strong> &mdash; especially if you plan a second mortgage or home equity line.<\/li>\n\n\n\n<li><strong>Compare lenders<\/strong>&mdash; Maybank and Public Bank frequently have flexible LTV\/DSR calculators, while promos from CIMB, RHB, and Hong Leong may offer attractive rates.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<p><span style=\"color: #ff6600;\"><strong>Looking for advice or help on your home loan application? We want to hear from you by submitting your info down below, our agent will guide you step by step!<\/strong><\/span><\/p>\n\n\n<!--  \t\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/blog\/wp-admin\/admin-post.php\" method=\"post\"> -->\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/invest\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n        <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/73231\">\n\n        <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"db14dda4b7\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/73231\" \/>\n        <div class=\"custom-lead-form-div\">\n            <label class=\"custom-lead-form-label\" 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value=\"Ireland\">Ireland<\/option><option value=\"Isle of Man\">Isle of Man<\/option><option value=\"Israel\">Israel<\/option><option value=\"Italy\">Italy<\/option><option value=\"Jamaica\">Jamaica<\/option><option value=\"Japan\">Japan<\/option><option value=\"Jarvis Island\">Jarvis Island<\/option><option value=\"Jersey\">Jersey<\/option><option value=\"Johnston Atoll\">Johnston Atoll<\/option><option value=\"Jordan\">Jordan<\/option><option value=\"Juan de Nova Island\">Juan de Nova Island<\/option><option value=\"Kazakhstan\">Kazakhstan<\/option><option value=\"Kenya\">Kenya<\/option><option value=\"Kingman Reef\">Kingman Reef<\/option><option value=\"Kiribati\">Kiribati<\/option><option value=\"Kuwait\">Kuwait<\/option><option value=\"Kyrgyzstan\">Kyrgyzstan<\/option><option value=\"Laos\">Laos<\/option><option value=\"Latvia\">Latvia<\/option><option value=\"Lebanon\">Lebanon<\/option><option value=\"Lesotho\">Lesotho<\/option><option value=\"Liberia\">Liberia<\/option><option 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value=\"Moldova\">Moldova<\/option><option value=\"Monaco\">Monaco<\/option><option value=\"Mongolia\">Mongolia<\/option><option value=\"Montenegro\">Montenegro<\/option><option value=\"Montserrat\">Montserrat<\/option><option value=\"Morocco\">Morocco<\/option><option value=\"Mozambique\">Mozambique<\/option><option value=\"Myanmar\">Myanmar<\/option><option value=\"Namibia\">Namibia<\/option><option value=\"Nauru\">Nauru<\/option><option value=\"Navassa Island\">Navassa Island<\/option><option value=\"Nepal\">Nepal<\/option><option value=\"Netherlands\">Netherlands<\/option><option value=\"Netherlands Antilles\">Netherlands Antilles<\/option><option value=\"New Caledonia\">New Caledonia<\/option><option value=\"New Zealand\">New Zealand<\/option><option value=\"Nicaragua\">Nicaragua<\/option><option value=\"Niger\">Niger<\/option><option value=\"Nigeria\">Nigeria<\/option><option value=\"Niue\">Niue<\/option><option value=\"Norfolk Island\">Norfolk Island<\/option><option value=\"North Korea\">North Korea<\/option><option value=\"North Macedonia\">North Macedonia<\/option><option value=\"Northern Mariana Islands\">Northern Mariana Islands<\/option><option value=\"Norway\">Norway<\/option><option value=\"Oman\">Oman<\/option><option value=\"Pakistan\">Pakistan<\/option><option value=\"Palau\">Palau<\/option><option value=\"Palestine\">Palestine<\/option><option value=\"Occupied\">Occupied<\/option><option value=\"Palmyra Atoll\">Palmyra Atoll<\/option><option value=\"Panama\">Panama<\/option><option value=\"Papua New Guinea\">Papua New Guinea<\/option><option value=\"Paraguay\">Paraguay<\/option><option value=\"Peru\">Peru<\/option><option value=\"Philippines\">Philippines<\/option><option value=\"Pitcairn Islands\">Pitcairn Islands<\/option><option value=\"Poland\">Poland<\/option><option value=\"Portugal\">Portugal<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Qatar\">Qatar<\/option><option value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and Montenegro\">Serbia and Montenegro<\/option><option value=\"Seychelles\">Seychelles<\/option><option value=\"Sierra Leone\">Sierra Leone<\/option><option value=\"Singapore\">Singapore<\/option><option value=\"Sint Maarten\">Sint Maarten<\/option><option value=\"Slovakia\">Slovakia<\/option><option value=\"Slovenia\">Slovenia<\/option><option value=\"Solomon Islands\">Solomon Islands<\/option><option value=\"Somalia\">Somalia<\/option><option value=\"South Africa\">South Africa<\/option><option value=\"South Georgia and the South Sandwich Islands\">South Georgia and the South Sandwich Islands<\/option><option value=\"South Korea\">South Korea<\/option><option value=\"South Sudan\">South Sudan<\/option><option value=\"Spain\">Spain<\/option><option value=\"Spratly Islands\">Spratly Islands<\/option><option value=\"Sri Lanka\">Sri Lanka<\/option><option value=\"Sudan\">Sudan<\/option><option value=\"Suriname\">Suriname<\/option><option value=\"Svalbard and Jan Mayen\">Svalbard and Jan Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option 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For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n\n\n        <p>\n            <button type=\"submit\">Submit<\/button>\n        <\/p>\n    <\/form>\n\n\t<style>\n        .full-width-input {\n            width: 100%;\n            padding: 8px;\n            box-sizing: border-box;\n        }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 500 !important;\n\t\t}\n\n\t\t.custom-checkbox-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 400 !important;\n\t\t}\n\n\t\t.phone-input-wrapper {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tborder: 1px solid #ffb199; \/* soft orange border *\/\n\t\t\tborder-radius: 30px;\n\t\t\toverflow: hidden;\n\t\t\tbackground-color: #fff9f8;\n\t\t\tmax-width: 100%;\n\t\t}\n\n\t\t#country-code-display {\n\t\t\tpadding: 10px 14px;\n\t\t\tbackground-color: #f3f3f3;\n\t\t\tborder-right: 1px solid #ffb199;\n\t\t\tfont-size: 16px;\n\t\t\tcolor: #333;\n\t\t\twhite-space: nowrap;\n\t\t}\n\n\t\t#phone_number_input {\n\t\t\tflex: 1;\n\t\t\tborder: none;\n\t\t\tpadding: 10px 14px;\n\t\t\tfont-size: 16px;\n\t\t\tbackground-color: transparent;\n\t\t\toutline: none;\n\t\t}\n    <\/style>\n    <script src=\"https:\/\/www.google.com\/recaptcha\/api.js?render=6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC\"><\/script>\n\t<script>\n\t\tconst malaysianStates = [\"Johor\",\"Kedah\",\"Kuala Lumpur\",\"Melaka\",\"Negeri Sembilan\",\"Pahang\",\"Penang\",\"Perak\",\"Perlis\",\"Sabah\",\"Sarawak\",\"Selangor\",\"Terengganu\"];\n\n\t\tdocument.addEventListener('DOMContentLoaded', function () {\n\t\t\tconst locationSelect = document.querySelector('select[name=\"location\"]');\n\t\t\tconst countryCodeDisplay = document.getElementById('country-code-display');\n\t\t\tconst phoneInput = document.getElementById('phone_number_input');\n\t\t\tconst finalPhoneInput = document.getElementById('final_phone_number');\n\t\t\tconst form = document.getElementById('custom-lead-form');\n\t\t\tconst error = document.getElementById('interest-error');\n\n\t\t\tfunction updateFinalPhoneNumber() {\n\t\t\t\tconst code = countryCodeDisplay.textContent || '';\n\t\t\t\tconst number = phoneInput.value.trim();\n\t\t\t\tfinalPhoneInput.value = code + number;\n\t\t\t}\n\n\t\t\tlocationSelect.addEventListener('change', function () {\n\t\t\t\tconst selectedState = this.value;\n\n\t\t\t\t\/\/ If not Malaysian state\n\t\t\t\tif (!malaysianStates.includes(selectedState)) {\n\t\t\t\t\tcountryCodeDisplay.style.display = 'none';\n\t\t\t\t\tcountryCodeDisplay.textContent = '';\n\t\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t\t\treturn;\n\t\t\t\t}\n\n\t\t\t\t\/\/ Malaysian state \u2014 show +60\n\t\t\t\tcountryCodeDisplay.style.display = 'block';\n\t\t\t\tcountryCodeDisplay.textContent = '+60';\n\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t});\n\n\t\t\tphoneInput.addEventListener('input', updateFinalPhoneNumber);\n\n\t\t\tform.addEventListener('submit', function (e) {\n\t\t\t\te.preventDefault(); \/\/ \u2705 Prevent default submission first\n\n\t\t\t\tconst checkboxes = form.querySelectorAll('input[name=\"lead_type[]\"]');\n\t\t\t\tconst isChecked = Array.from(checkboxes).some(checkbox => checkbox.checked);\n\n\t\t\t\tif (!isChecked) {\n\t\t\t\t\terror.style.display = 'block';\n\t\t\t\t\treturn; \/\/ stop here if validation fails\n\t\t\t\t} else {\n\t\t\t\t\terror.style.display = 'none';\n\t\t\t\t}\n\n\t\t\t\t\/\/ \u2705 Now run reCAPTCHA v3\n\t\t\t\tgrecaptcha.ready(function () {\n\t\t\t\t\tgrecaptcha.execute('6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC', { action: 'submit' })\n\t\t\t\t\t\t.then(function (token) {\n\t\t\t\t\t\t\tdocument.getElementById('g-recaptcha-response').value = token;\n\t\t\t\t\t\t\tform.submit(); \/\/ \u2705 Safe manual submission\n\t\t\t\t\t\t});\n\t\t\t\t});\n\t\t\t});\n\t\t});\n\t<\/script>\n\n    \n\n\n\n<p><strong>Continue reading:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\"><a href=\"https:\/\/iqiglobal.com\/blog\/what-is-debt-to-service-ratio-dsr-and-how-does-it-affect-your-home-loan\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">What is Debt-To-Service Ratio (DSR) in Malaysia &amp; How It Affects Your Home Loan<\/a><\/mark><\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/what-can-you-do-if-your-home-loan-is-rejected\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">What can you do if your home loan is rejected?<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/is-purchasing-a-home-during-the-covid-19-crisis-the-right-decision\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">Is purchasing a home during the COVID-19 crisis the right decision?<\/mark><\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>Learn how Loan-to-Value (LTV) and Debt-Service Ratio (DSR) influence your mortgage approval, interest rates, and down payment in Malaysia. Includes formula, examples, and expert tips.<\/p>\n","protected":false},"author":39,"featured_media":77232,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[222],"tags":[2378,224],"class_list":["post-73231","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-insights","tag-home-loan","tag-real-estate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v26.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Loan-to-Value (LTV) and How It Affects Home Loans in Malaysia<\/title>\n<meta name=\"description\" content=\"Learn how Loan-to-Value (LTV) and Debt-Service Ratio (DSR) influence your mortgage approval, interest rates, and down payment in Malaysia. 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