Country	Status	Legal Form	Standard Limit	FTB Limit	BTL Limit	Exception Quota	Notes
AT	Active	Binding	90.0%	—	—	—	—
BE	Active	Binding	0.0%, 0.0%, 5.0%, 5.0%, 10.0%, 20.0%, 50.0%, 90.0%, 90.0%, 90.0%, 100.0%, 100.0%	35.0%	80.0%	—	—
BG	Active	Binding	5.0%, 50.0%, 85.0%	—	—	—	—
HR	Active	Binding	20.0%, 75.0%, 90.0%	—	—	20% of new loans	—
CY	Active	Binding	50.0%, 70.0%, 80.0%	—	—	—	—
CZ	Active	Recommendation	5.0%, 80.0%, 90.0%, 100.0%	—	—	—	—
DK	Active	Binding	95.0%	—	—	—	95% is the maximum LTV, implying a minimum 5% down payment.
EE	Active	Binding	15.0%, 85.0%, 90.0%	—	—	—	—
FI	Active	Binding	90.0%	—	—	—	—
GR	Active	Binding	10.0%, 90.0%	80.0%	—	—	—
HU	Active	Binding	90.0%	—	—	—	—
IS	Active	Binding	80.0%, 85.0%	90.0%	—	—	—
IE	Active	Binding	90.0%, 70.0%	90.0%	70.0%	15% of FTB lending, 15% of SSB lending, 10% of BTL lending	90% for Self-Serve Borrowers (SSBs), 70% for Buy-to-Let (BTL) mortgages. First-Time Buyer (FTB) limit remains unchanged at 90%.
LV	Active	Binding	20.0%, 70.0%, 70.0%, 70.0%, 70.0%	—	10.0%	10 % tolerance	—
LI	Active	Binding	80.0%	—	—	—	—
LT	Active	Binding	50.0%, 70.0%, 85.0%	—	—	—	—
LU	Active	Recommendation	80.0%, 90.0%, 90.0%, 100.0%, 100.0%	15.0%	—	—	—
MT	Active	Binding	10.0%, 20.0%, 75.0%, 90.0%	—	—	—	—
NL	Active	Binding	100.0%	—	—	—	—
NO	Active	Binding	90.0%	—	—	—	—
PL	Active	Binding	75.0%, 75.0%, 80.0%, 80.0%, 80.0%, 85.0%, 85.0%, 90.0%, 90.0%, 90.0%, 95.0%	—	—	—	—
PT	Active	Binding	80.0%, 90.0%, 100.0%	—	—	—	—
RO	Active	Binding		—	—	—	LTV limits were lowered by 10 percentage points for loans granted for properties not intended for own use (e.g., investment properties).
SK	Active	Binding	20.0%, 20.0%, 25.0%, 30.0%, 35.0%, 40.0%, 80.0%, 90.0%	—	—	—	—
SI	Active	Recommendation	70.0%, 80.0%, 80.0%	—	—	—	—
SE	Active	Binding	85.0%	—	—	—	—