Contrary to popular belief, Marx does not base his LTV on what he dismisses as " ascribing a supernatural creative power to labor ", arguing in the Critique of the Gotha Program that:

For example, if a person owns a home worth $ 100, 000, but does not currently have a mortgage on it, they may take an equity loan at 80 % loan to value ( LTV ) or $ 80, 000 in cash in exchange for a mortgage on the title.

This low LTV ( loan to value ) provides added security for the lender, in case the borrower does not pay and they have to foreclose on the property.

19th century American individualist anarchists based their economics on the LTV, with their particular interpretation of it being called " Cost the limit of price ".

This type of insurance is usually only required if the downpayment is less than 20 % of the sales price or appraised value ( in other words, if the loan-to-value ratio ( LTV ) is 80 % or more ).

Legally, there is no obligation to allow the cancellation of MI until the loan has amortized to a 78 % LTV ratio ( based on the original purchase price ).

For the purpose of determining an LTV, the word " value " is defined as " today's purchase price.

In 1964 Ling started a holding company and established three public companies, LTV Aerospace, LTV Ling Altec, and LTV Electrosystems ( later E-Systems, then part of Raytheon IIS, and since 2002 part of L-3 Communications-Integrated Systems ( L-3 / IS )), mirroring the original companies that formed LTV.

The labor theories of value ( LTV ) are heterodox economic theories of value which argue that the value of a commodity is related to the labor needed to produce or obtain that commodity.

Since the term value is understood in the LTV as denoting something created by labor, and its " magnitude " as something proportional to the quantity of labor performed, it is important to explain how the labor process both preserves value and adds new value in the commodities it creates.

Part of what the LTV means by " socially necessary " is that the value only increases in proportion to this labor as it is performed with average skill and average productivity.

One issue facing the LTV is the relationship between value quantities on one hand and prices on the other.

It is the level of this equilibrium which the LTV seeks to explain.

Here Marx is drawing a distinction between exchange value ( which is the subject of the LTV ) and use value.

The UFMIP is a lump sum ranging from 1 – 2. 25 % of loan value ( depending on LTV and duration ), paid by the borrower either in cash at closing or financed via the loan.

MMI, although annual, is included in monthly mortgage payments and ranges from 0 – 1. 15 % of loan value ( again, depending on LTV and duration ).

If a borrower has poor to moderate credit history, MMI probably is much less expensive with an FHA insured loan than with a conventional loan regardless of LTV – sometimes as little as one-ninth as much depending on the borrower's credit score, LTV, loan size, and approval status.

Other factors that are important, because they may affect the rate of interest, which directly affects the DTI by changing the mortgage payment amount are: property type, property use, property location, loan-to-value ratio ( LTV ), what state the loan is in, credit score, purpose of loan, whether or not you are a first time home buyer, if the refinance has a " cash-out " amount requested, whether or not you've had a bankruptcy or foreclosure, how many times you have been late on a mortgage payment, your income type and the way you will verify your income ( W-2, tax returns, bank statements, etc.

In marketing, customer lifetime value ( CLV ), lifetime customer value ( LCV ), or user lifetime value ( LTV ) is a predi of

* The Ling-Temco-Vought LTV XC-142 is a tiltwing experimental aircraft designed to investigate takeoffs and landings

A first charge bridging loan is generally available at a higher LTV than a second charge bridging loan due to the lower level of risk involved, many UK lenders will steer clear of second charge lending altogether.

There are no specifications for how decisions are made within these Technological LTV Systems-each one is tasked to create its own ruleset.

In the same vein as LTV, this is an attempt to make a normative basis for value by accounting for embodied energy.

Mortgage insurance is payable if the loan-to-value ratio ( LTV, or LVR in Australia ) is above 80 %, or above 60 % for low document loans.

Although two designs, the Canadair CL-84 Dynavert and the LTV XC-142, were technical successes, neither entered production due to other issues.

As with other conglomerates such as ITT, Litton Industries, Teledyne, and Textron, higher interest rates and inflation destroyed LTV in the 1970s.

In addition to first and second-lien loans, other HE loans can consist of high loan to value ( LTV ) loans, re-performing loans, scratch and dent loans, or open-ended home equity lines of credit ( HELOC ), which homeowners use as a method to consolidate debt.

Canada Bank Act prohibits most regulated lending institutions from providing mortgages without loan insurance if LTV is greater than 80 %.

In the United States, conforming loans that meet Fannie Mae and Freddie Mac underwriting guidelines are limited to an LTV ratio that is less than or equal to 80 %.

Distinguishing CLTV from LTV serves to identify loan scenarios that involve more than one mortgage.

Scottish economist Adam Smith accepted the LTV for pre-capitalist societies but saw a flaw in its application to capitalism.

Hazelwood was home to the city of Pittsburgh's last operating steel mill, the Hazelwood Coke Works, which was owned by Jones and Laughlin and later, its parent company, LTV, when it closed in 1998.

While at its helm Ling used LTV funds to purchase a large number of corporations, and was one of the more famous of the 1960s conglomerate managers.

As part of a 1971 antitrust settlement, LTV sold its Braniff and Okonite components, and Thayer changed the company name from Ling-Temco-Vought to LTV Corporation.

After the 1984 merger of the Jones and Laughlin subsidiary with Republic Steel Corporation, the company continued to exist primarily as a steel producer, renaming itself LTV Steel, and moving its headquarters to Cleveland in 1993.

Latvijas Televīzija ( LTV ), the Latvian broadcaster, originally announced its withdrawal from the contest after the Latvian government imposed budget cuts on the broadcaster that hindered it from paying the participation fee.

In terms of means of production resulting from another labor process, LTV treats the magnitude of value of these produced means of production as constant throughout the labor process.

The LTV further divides the value added during the period of production,, into two parts.

The labor theories of value ( LTV ) are theories in economics according to which the true values of commodities are related to the labor needed to produce them.

Loan-to-value ( LTV ) ratios generally do not exceed 65 % for commercial properties, or 80 % for residential properties, based on appraised value.

Maximum loan to value ( LTV ) ratios and lending periods are set up for each category of property.