The loan amount depends on your repayment capability and is restricted to a maximum of 80% of the agreement value or the market value whichever is lower. Repayment capacity takes into consideration factors such as income, age, qualifications, number of dependants, spouse's income, assets, liabilities, stability, continuity of occupation and savings history. And, of course, our main concern is to make sure that you can comfortably repay the loan amount.