Table 11. Estimated income replacement ratio of mortgage retirement pension

LTV	Ratio of the mortgage retirement pension to the housing pension	Income replacement ratio of the mortgage retirement pension
30%	0.13	0.050 (=0.13×0.382)
50%	0.22	0.084 (=0.22×0.382)
70%	0.31	0.118 (=0.31×0.382)

Note: Income replacement ratio of housing pension for potential subscribers: 0.382.
LTV, loan to value.