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LTV, borrowing capacity, amortisation schedule and DSCR — compliant with Luxembourg banking practices (CRR, CSSF, EBA).
Standard LTV for a mortgage loan in Luxembourg. Required by most banks.
LTV tolerated for first-time buyers subject to conditions (sufficient income, balance insurance).
Beyond 90%, a state guarantee or additional deposit is required.
Luxembourg banks use the Mortgage Lending Value (MLV) pursuant to Art. 4(1)(74) CRR and EBA/GL/2020/06 guidelines.
The MLV applies prudential discounts (cyclical, marketability, specific) to the market value to obtain a sustainable value.
The CSSF requires the LTV ratio to be calculated on the MLV, not on the market value.
Calculate the MLV of your property with our EVS 2025 valuation tool.