The loanable amount for an estimated value of the property of ₱3 million is ₱2.7 million. We get that value by multiplying ₱3,000,000 by the loan-amount-to-appraised-value ratio (or LTV ratio) of 90% (or 0.9) to get ₱2,700,000. For properties less than or equal to the economic housing limit of around ₱1,888,889.00, use an LTV of 95%. Read more