{"id":3556,"date":"2022-01-05T15:46:00","date_gmt":"2022-01-05T14:46:00","guid":{"rendered":"https:\/\/vapa.ch\/?p=3556"},"modified":"2026-08-15T07:55:35","modified_gmt":"2026-08-15T05:55:35","slug":"unlocking-the-mystery-of-loan-to-value","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/das-geheimnis-des-beleihungswerts-luften\/","title":{"rendered":"Das Geheimnis des Loan-to-Value entschl\u00fcsseln \ud83d\udcc8\ud83d\udca1"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Loan-to-Value, kurz LTV, ist in unserer Branche nach wie vor ein Mythos. Die Methodik ist in vielen F\u00e4llen schwer zu verstehen.<br><br>Es ist verst\u00e4ndlich, dass der LTV in der Vergangenheit anhand einer Anlageklasse definiert wurde, da die Computerleistung f\u00fcr mehr nicht ausreichte. Heute sind die Systeme ausgefeilter, und es werden Faktoren wie der Handelsmarkt, das Volumen oder der R\u00fccknahmepreis der Mittel und der \u00fcbliche Zeitrahmen f\u00fcr die Gutschrift des Geldes auf dem Konto ber\u00fccksichtigt.<br><br>Infolgedessen erhalten Blue-Chip-Aktien mit h\u00f6herem Abw\u00e4rtsrisiko oft einen h\u00f6heren Loan-to-Value als konservative <a href=\"https:\/\/vapa.ch\/de\/gebuhren-fur-investmentfonds\/\">Investmentfonds<\/a>die w\u00e4hrend der Turbulenzen auf dem COVID-19-Markt stabil geblieben sind. Dar\u00fcber hinaus stellt man als Kunde fest, dass bankeigene Produkte einen h\u00f6heren Wert erhalten als externe Produktanbieter.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-loan-to-value-calculation\">Loan-to-Value-Berechnung<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Begr\u00fcndet wird dies damit, dass die \u00dcberwachung von Positionen innerhalb des Unternehmens <a href=\"https:\/\/vapa.ch\/de\/gebuhren-fur-investmentfonds\/\">Anlagefonds<\/a> beeinflusst die Berechnung des Beleihungswerts kaum. Das Risiko bei der Zuordnung des Beleihungswerts liegt in der potenziellen maximalen Inanspruchnahme, dem R\u00fccknahmeschluss und der K\u00fcndigungsfrist f\u00fcr Investmentfonds. Es ist wichtig zu beachten, dass die Bank <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/aktien-anleihen-kryptowahrungen-hedgefonds-commodities-vermogensverwaltung\/\">Investmentfonds<\/a> die M\u00f6glichkeit der R\u00fccknahme genutzt haben.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Heute sollte die Rechenleistung <a href=\"https:\/\/vapa.ch\/de\/vom-sonnenschutzmittel-bis-zur-tabellenkalkulation\/\">effizient auswerten<\/a> und gewichten Standardparameter, einschliesslich historischer Marktdaten. Diese F\u00e4higkeit kann helfen <a href=\"https:\/\/vapa.ch\/de\/wenn-absolute-rendite-absolut-richtig-ist\/\">konservative Anlageprodukte<\/a> von Nicht-Banken-Fondsmanagern einen Loan-to-Value erreichen, der sich an <a href=\"https:\/\/vapa.ch\/de\/bilanzen-in-der-vermogensverwaltung-und-im-bankwesen\/\">moderne Parameter f\u00fcr das Risikomanagement<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelle: <a href=\"https:\/\/www.linkedin.com\/posts\/patrick-stauber-marcuard-heritage_ltv-bluechip-mutualfunds-activity-6877542797377880064-s2rG?utm_source=share&amp;utm_medium=member_desktop\" target=\"_blank\" rel=\"noreferrer noopener\">LinkedIn<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Loan-to-value, or LTV for short, remains a myth in our industry. The methodology is challenging to understand on numerous occasions. Understandably, LTV was defined according to an asset class in the past, as computer power was insufficient for more. The systems are now more sophisticated, and factors such as the trading market, the volume or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3557,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_122096905244470929_329580246915571":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[93],"tags":[184,185,108,42],"class_list":["post-3556","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulations","tag-investment-management","tag-operations","tag-risk-management","tag-wealth-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mystery of Loan-to-Value | independent wealth management<\/title>\n<meta name=\"description\" content=\"Unlocking the Mystery of Loan-to-Value. 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On numerous occasions, the methodology is challenging to understand.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vapa.ch\/de\/das-geheimnis-des-beleihungswerts-luften\/\" \/>\n<meta property=\"og:site_name\" content=\"independent wealth management\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/swisswealthmanagement\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-05T14:46:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-15T05:55:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vapa.ch\/wp-content\/uploads\/2024\/01\/loan-to-value-ratios.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"VAPA Editorial Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Geschrieben von\" \/>\n\t<meta name=\"twitter:data1\" content=\"VAPA Editorial Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data2\" content=\"2\u00a0Minuten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/vapa.ch\\\/unlocking-the-mystery-of-loan-to-value\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/unlocking-the-mystery-of-loan-to-value\\\/\"},\"author\":{\"name\":\"VAPA Editorial Team\",\"@id\":\"https:\\\/\\\/vapa.ch\\\/#\\\/schema\\\/person\\\/24ee304c0f6c244bff2b39f1b9ae1398\"},\"headline\":\"Unlocking the Mystery of Loan-to-Value \ud83d\udcc8\ud83d\udca1\",\"datePublished\":\"2022-01-05T14:46:00+00:00\",\"dateModified\":\"2026-08-15T05:55:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/unlocking-the-mystery-of-loan-to-value\\\/\"},\"wordCount\":214,\"publisher\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/unlocking-the-mystery-of-loan-to-value\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/vapa.ch\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/loan-to-value-ratios.jpg\",\"keywords\":[\"Investment Management\",\"Operations\",\"Risk Management\",\"Wealth Management\"],\"articleSection\":[\"Regulations\"],\"inLanguage\":\"de-CH\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/vapa.ch\\\/unlocking-the-mystery-of-loan-to-value\\\/\",\"url\":\"https:\\\/\\\/vapa.ch\\\/unlocking-the-mystery-of-loan-to-value\\\/\",\"name\":\"Mystery of Loan-to-Value | independent wealth management\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/unlocking-the-mystery-of-loan-to-value\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/vapa.ch\\\/unlocking-the-mystery-of-loan-to-value\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/vapa.ch\\\/wp-content\\\/uploads\\\/2024\\\/01\\\/loan-to-value-ratios.jpg\",\"datePublished\":\"2022-01-05T14:46:00+00:00\",\"dateModified\":\"2026-08-15T05:55:35+00:00\",\"description\":\"Unlocking the Mystery of Loan-to-Value. 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