What does collateral value mean?

Collateral value refers to the amount of assets that have been put up to secure a loan. Lenders often use this value to estimate the level of risk associated with a particular loan application.

What is collateral in a loan?

Collateral is simply an asset, such as a car or home, that a borrower offers up as a way to qualify for a particular loan. When you take out a secured personal loan, the lender often puts a lien against the collateral. The lien gives a lender the right to take your property if you fail to pay back the loan.

How is collateral ratio calculated?

The collateral coverage ratio formula is:

1. Collateral Coverage Ratio = (Discounted Collateral Value) / (Total Loan Amount)
2. Used Equipment: ($30,000) x (50%) = $15,000.
3. Office Furniture: ($25,000) x (30%) = $7,500.
4. Used Equipment: ($15,000) / ($10,000) = 1.5.
5. Office Furniture: ($7,500) x ($10,000) = 0.75.

What is loanable value?

Loanable Value means: (a) for any Hedged Share, the product, expressed in United States dollars, obtained by multiplying the Strike Price for such Hedged Share times such percentage as may be quoted by the Bank to the Borrower, and agreed to by the Borrower in writing, as the loanable value percentage for such Hedged …

What is minimum collateral ratio?

A rule of thumb is that lenders look for a minimum CCR between 1.0 and 1.6. A value of 1.0 means that the discounted collateral will cover the entire loan amount in the case of default, while a higher value overcollateralizes the loan, making it less risky.

Can I get 20 lakhs education loan without collateral?

20 lakhs. Guidelines show that loan taken up to Rs. 4 lakhs does not require collateral security. It is only when the loan exceeds a specified amount as set by the bank that collateral will be required as well as third-party guarantee.

How much loan can I get on collateral?

The amount of Collateral education loan you could get is in the range of Rs. 10 lakhs to Rs. 1.5 crores. The interest rate on Collateral Education loan is usually between 9.4% to 10.3%.

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