Short answer：Older estates do not have a universal lower loan ratio. Lenders assess the property and applicant, including age, condition, valuation, title and repayment ability.
A ceiling is not an offer
Regulatory limits differ from a lender’s willingness to finance a particular flat. Mortgage insurance adds its own eligibility conditions. One bank’s informal response is not an industry-wide rule.
Get property-specific terms
Provide the full address, age evidence, use and application documents. Compare amount, term and conditions. If valuation is below the purchase price, recalculate the deposit and remaining reserves, not just the interest rate.
Before deciding
- Verify age and repair information
- Compare lenders using the same application facts
- Test an appraisal shortfall before signing
Sources and method
Sources support the specific rules described. Checklists and hypothetical calculations are editorial explanations, not measured market results or individual approvals.
Revision：Removed unsupported experience, case outcomes and statistics; corrected the topic-specific rules and limitations described above.
Scope：General information only, not personalised legal, tax, immigration, admissions or investment advice.