Answer:
One data point that shows a good propensity to payback a loan is Loan -To- Value Ratio.
Explanation:
A loan to value (LTV) ratio relates the size of the loan you're requesting to take out to the verified value of the item you want to purchase.
Lenders (such as Banks, Mortgage institutions) use LTVs to establish how risky a loan is, for loan approval or denial, and to determine whether or not mortgage insurance is required. A higher LTV ratio suggests more risk because there's a higher chance of default.
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