---
title: "Loan-to-value (LTV) — Class A Atlas glossary"
description: "Loan amount divided by asset value."
canonical: https://classa.info/glossary/ltv-loan-to-value
pageType: glossary
lastUpdated: 2026-04-01T00:00:00.000Z
license: "CC BY 4.0 with attribution to Class A Atlas (https://classa.info)."
---

> Loan amount divided by asset value.

## TL;DR

- Loan amount divided by asset value.
- Class A core debt: 50–55% LTV.

# Loan-to-value (LTV)

*Finance · Global*

## Short definition

Loan amount divided by asset value.

## Full definition

[Class A](/glossary/class-a) core debt: 50–55% LTV. Core-plus: 55–65%. Value-add: 60–70%. Construction: 60–70% LTC. LTV constraints tightened materially post-2022.

## Why this matters for Class A leasing

Loan-to-value (LTV) is part of the finance vocabulary that institutional Class A occupiers, landlords, and advisers use across Global markets. Understanding it correctly affects how you read lease documents, model occupancy economics, and benchmark deal terms across cities. Class A Atlas tracks regional variation alongside the global standard so [cross-border](/topics/cross-border-expansion) occupiers can translate quickly.

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Citation: Source: Class A Atlas (https://classa.info/glossary/ltv-loan-to-value), updated 2026-04-01T00:00:00.000Z.