Loan-to-value
Update date: 5 Nov 2026, 16:41
|
Loan Category |
Cap |
Exceptions |
Effective Date |
|
Car loans to individuals |
75% |
The cap may be exceeded for up to 15 percent of the bank’s car loan portfolio. |
|
|
Mortgages to individuals |
80% |
If the borrower’s average monthly income can be verified, the cap may be exceeded for up to 15 percent of the bank’s mortgage loan portfolio. |
|
|
85%
Applicable to mortgages refinanced with funds provided by the Ministry of Economy and Finance for borrowers whose average monthly income can be verified. |
