Investor Presentaiton
CBI's macro-prudential rules increase resilience of
banking and household sector
CBI's amended macro-prudential rules
Transactions have slowed since macro-
First time buyers (FTBS) can borrow 90% of the
value of a home (10% minimum deposit). Five
per cent of the total new lending to FTBS will
be allowed above the 90% LTV limit.
prudential rules introduced
60,000
Introduction in 2015
50,000
40,000
For second and subsequent buyers (SSBS),
banks must restrict lending for primary
30,000
dwelling purchase above 80 per cent LTV to no
more than 20 per cent of new lending to SSBs.
20,000
10,000
Bank must restrict lending for primary
dwelling purchase above 3.5 times LTI to not
more than 20 per cent of that aggregate value
Banks must limit Buy-to-Let loans (BTL) above
70 per cent LTV to 10 per cent of all BTL loans.
Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta
National Treasury Management Agency
0
Source: Residential Property Price Register
Q1 2011
Q3 2011
Q1 2012
Q3 2012
Q1 2013
Q3 2013
Q1 2014
Q3 2014
14Q Sum of Transactions
IINI
Q1 2015
Q3 2015
Q1 2016
Q3 2016
Q1 2017
Y-o-Y Change (RHS)
50%
40%
30%
20%
10%
0%
-10%
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