> For the complete documentation index, see [llms.txt](https://rebalance.gitbook.io/rebalance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://rebalance.gitbook.io/rebalance/risk-management/risk-mitigation/ltv-lt-and-lb.md).

# LTV, LT, and LB

Borrowing risk-parameters

REBALANCE establishes conservative benchmarks for borrowing through three key risk parameters: 

* Loan-to-Value (LTV), 
* Loan Term (LT), 
* Loan Balance (LB). 

These parameters are set at the most cautious levels across all protocols engaged in refinancing a position for a specific asset. To enhance the safety margin of the position, an additional 5% is deducted from the lowest LTV figure. This policy enables the utilization of all integrated protocols for refinancing purposes.