Property
Estonia — Property: Mortgage Availability
Eesti Pank caps Estonian housing loans at 85% loan-to-value (90% with a state guarantee), a 30-year maturity and a debt-service-to-income limit of 50%.
VerifiedGovernment / official sourceEesti Pank — Requirements for housing loansLast reviewed: 2026-10-23
Key facts
- The loan-to-value ratio is capped at 85% when the loan is granted, and up to 90% for loans with a state guarantee.
- The debt-service-to-income ratio may not exceed 50% at the loan decision; the stress-rate assumption was revised in 2024 and Eesti Pank page and later sources differ, so confirm the current formula.
- The maximum maturity is 30 years (confirmed in the 2025 Financial Stability Review).
- The rules apply to all credit institutions in Estonia including branches of foreign banks; banks may exceed the limits on up to 15% of the volume of mortgages issued each quarter.
- The Financial Supervision Authority (Finantsinspektsioon) supervises compliance.