How much money do you have on the edge?

Ok. 100k + additional costs equity, house purchase for 200k. Loan-to-value ratio 100k/200k = 50% House purchase for 200k + 20k outdoor facilities, loan-to-value ratio 100k/220k = 45.45%

Almost. In the second example it would be 120/220. Loan amount/value.

Sorry for the faux pas. It has been corrected.

Are you serious? You, as an experienced financing broker, are publicly encouraging making deliberately false statements to the financing bank? Doesn't that count as fraud or something?

For 27 years in the best cooperation with all major banks in over 2,500 financings.

Never had to claim the professional indemnity insurance, never been to court, already sat with the board members of some banks at banquets or on trips, and always clean and straightforward, and above all always aware of what is fraud and what is accepted by the banks!

Hand in hand, on equal footing, in consultation or better said, with a whole lot of experience!

Why? Just because I co-finance the outdoor facilities doesn't increase my equity...

Matte1987, this is getting too complicated for you and leads to nothing here.

What you wanted to calculate, no idea, but it’s not the loan-to-value ratio.

I don’t know what is being calculated here, what is supposed to be calculated, it is not applied anywhere. Where are the costs divided by the equity? What is intended to be calculated with this? At least not the loan-to-value ratio

It should be instantly and completely clear to a professional that he is accidentally calculating the equity ratio here, which incidentally supports the statement just as validly as if he had actually calculated the loan-to-value ratio. Why this is the case is up to you to figure out.

Dude... alright already. I made a mistake. Don’t hang yourself up on that...

But what your spiel about personal contribution is supposed to mean, you’re nicely keeping to yourself.
Just because in the end a little number juggling CAN come out the same, doesn’t mean it’s right by any means...