⚠️ Regulatory Issues
- • LTV exceeds 85% (max allowed in Cyprus)
Loan Parameters
20%
Minimum 15% required by Cyprus law
25 years
Maximum 40 years allowed in Cyprus
3.5%
Current Cyprus average: 3.5-5.5%
Cyprus/EU Regulations
• Maximum LTV: 85%
• Minimum Down Payment: 15%
• Maximum Loan Term: 40 years
• Debt-to-Income Ratio: Max 40%
• ECB Stress Test: +2.5% rate increase
Regulated by Central Bank of Cyprus and European Central Bank guidelines
Monthly Payment
€0
per month
Loan Amount
€0
Down Payment
€0
Total Interest
€0
Total Payment
€0
Loan-to-Value (LTV) Ratio
NaN%
Too High
Maximum 85% allowed
ECB Stress Test
If interest rates increase by 2.5%:
Monthly Payment:€0
+€0/month increase
Additional Costs (Cyprus)
Transfer Fees (3-8%)€0
Legal Fees (~1%)€0
Bank Valuation€300-500
Life Insurance€50-150/month
Estimated Total€500
