A customer can borrow up to the maximum LTV ratio (or MOA). LTV is currently capped at 70% generally, and 80% specifically for some well-known residential properties or Borei. The amount is also limited by the borrower’s affordability. If the gross income is less than two times the total monthly loan repayment, the loan amount may be reduced. The bank wants to make sure that the borrower can afford the loan to prevent over indebtedness.