The Borrower-Based Measures Directive was issued by the Central Bank of Malta (CBM) in March 2019 to protect both the banks and the borrowers from potential damage deriving from the real estate market.

Such measures set limits on the amount of money you as a borrower would be able to borrow and the maximum years you have to fully repay the loan.

After taking into consideration what property you will be purchasing and whether you hold any other home loans, you will be classified in one of the two categories determined by the CBM; each category with its own limitation.