> For the complete documentation index, see [llms.txt](https://docs.lendbit.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.lendbit.finance/borrowing-on-lendbit/loan-to-value-ltv-ratios.md).

# Loan-to-Value (LTV) Ratios

The LTV ratio determines how much you can borrow based on the value of your collateral. For example:

* **80% LTV**: If you deposit $1,000 worth of Sepolia ETH, you can borrow up to $800.
* **Maintaining a Healthy LTV**: Keeping your LTV within safe limits helps protect against liquidation and ensures you can repay your loan without losing collateral.