Country	Status	Legal Form	FTB / OOO	SSB / BTL	Other limits	Exception Quota	Notes
AT	Active	Binding	90% (OOO)	—	—	—	—
BE	Active	Binding	—	80% (BTL)	—	—	—
CZ	Active	Recommendation	70% (OOO)	—	—	—	—
DK	Active	Binding	95% (OOO)	—	—	—	95% is the maximum LTV, implying a minimum 5% down payment.
FI	Active	Binding	90% (OOO)	—	—	—	—
GR	Active	Binding	80% (FTB)	—	—	—	—
HU	Active	Binding	90% (OOO)	—	—	—	—
IS	Active	Binding	90% (FTB)	—	—	—	—
IE	Active	Binding	90% (FTB)	90% (SSB); 70% (BTL)	—	15% of FTB lending, 15% of SSB lending, 10% of BTL lending	FTB 90%; SSB 90%; BTL 70%. Exception quotas apply by segment.
LI	Active	Binding	80% (OOO)	—	—	—	—
LT	Active	Binding	85% (FTB)	—	—	—	—
NL	Active	Binding	100% (OOO)	—	—	—	—
NO	Active	Binding	90% (OOO)	—	—	—	—
RO	Active	Binding	—	—	investment: -10 pp vs own-use	—	—