Ratio of CLTV Calculator
Calculate and analyze your Customer Lifetime Value ratio for better business decisions.
Customer Value Metrics
Average value of each purchase
Number of purchases per year
Average customer relationship duration
Acquisition Metrics
Cost to acquire a new customer
Percentage of customers retained
CLTV Analysis
Customer Lifetime Value:
$0
CLTV to CAC Ratio:
0:1
Payback Period:
0 months
Investment Status:
-
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How to calculate CLTV ratio?
To calculate CLTV ratio, divide the total secured loan balance by the appraised property value. Combined Loan to Value (CLTV) | Formula + Calculator Add all loan balances (first mortgage, second mortgage, HELOC, etc.) and divide by your home's current market value. Multiply by 100 to get the percentage.
How do I calculate CLTV?
CLTV calculation is simple: (Total Combined Loan Amounts ÷ Property Value) × 100. For example, if you have a $200,000 first mortgage, $50,000 HELOC, and your home is worth $400,000, your CLTV is 62.5% ($250,000 ÷ $400,000).
What is a good CLTV CAC ratio?
Most lenders prefer CLTV ratios of 80% or less for borrowers with strong credit. InvestopediaInvestopedia For commercial properties, the ideal CLTV is typically 65-75%. CLTV (Cumulative Loan to Value Ratio): Calculator, Definition | Multifamily Loans Lower ratios indicate less risk and better loan terms.
What does 100% CLTV mean?
A 100% CLTV means your total loan balances equal your property's full value - you have zero equity. This represents maximum lending risk, and most lenders won't approve loans at this level due to foreclosure concerns.
What's the difference between LTV and CLTV?
LTV only includes the first or primary mortgage, while CLTV includes all secured loans on a property. Combined Loan-to-Value (CLTV) Ratio Definition and Formula If you have one $300,000 mortgage on a $500,000 home, LTV is 60%. Add a $100,000 HELOC, and CLTV becomes 80%.
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