he loan$-$to$-$value $($LTV$)$ ratio and the loan$-$to$-$cost $($LTC$)$ ratio are commonly used by lenders to leasure a borrower's riskiness. Which of the following is FALSE? $($Select all that are correct$)$

LTC and LTV are typically lower than $70\%$

LTV is associated with loans of longer loan terms, while LTC is associated with loans of shorter terms

LTV is used in the case of vacant lands, while LTC is used in the case of developed buildings

LTV is associated with negatively amortized loans, while LTC is typically associated with positively amortized loans