commit 89ace2e095762a9cb68de805c6fdc88e5a795296 Author: arturoduke517 Date: Fri Nov 28 12:06:54 2025 +0000 Update 'What Are Frontier Statistics?' diff --git a/What-Are-Frontier-Statistics%3F.md b/What-Are-Frontier-Statistics%3F.md new file mode 100644 index 0000000..f4230a2 --- /dev/null +++ b/What-Are-Frontier-Statistics%3F.md @@ -0,0 +1,351 @@ +
How we determine risk and do something about it to make sure monetary stability.
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Home. +Financial System. +Financial Stability. +Macroprudential Policy. +1. Mortgage Measures
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In this Section
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Mortgage Measures - FAQ. +Mortgage Measures Framework Review. +New Mortgage Lending - Data and Commentary
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Mortgage Measures
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The mortgage steps are a necessary aspect of the Reserve bank's macroprudential policy structure.
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The mortgage measures objective to make sure sustainable loaning standards in the mortgage market.
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In doing so, the [procedures](https://rentinbangkok.com) aim to prevent the introduction of an unsustainable relationship in between credit and home costs and ultimately support the resilience of customers, lending institutions and the wider economy.
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The measures work by setting limits on the amount of money that individuals can borrow to buy house utilizing loan-to-income (LTI) and loan-to-value (LTV) limits.
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The LTI limitation restricts the quantity of cash you can borrow to a maximum of 4 times gross earnings for first-time-buyers and 3.5 times gross earnings for second/subsequent purchasers.
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So, for instance, a novice buyer couple with a combined earnings of EUR100,000 can borrow up to an optimum of EUR400,000.
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A second and subsequent purchaser with the very same income can borrow approximately a maximum of EUR350,000.
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The LTV limit requires you to have a minimum deposit before you can get a mortgage. The size of this deposit depends on which category of purchaser you are.
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- First-time-buyers and second/subsequent purchasers require to have a minimum deposit of 10%. +- Buy-to-let buyers require to have a minimum deposit of 30%.
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Banks and other lenders can lend a certain amount above the limits.
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The proportion of loaning allowed above the limitations uses at the level of the debtor type, such that:
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- 15 per cent of first-time-buyer financing can occur above the limitations. +- 15 percent of second and subsequent buyer financing can occur above the limitations. +- 10 per cent of buy-to-let-buyer financing can occur above the limits.
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The Reserve bank has actually set out the crucial principles of the structure for the macroprudential mortgage measures in its framework file.
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The Reserve bank regularly keeps track of the mortgage steps and housing markets more broadly and communicates its findings and judgements on these in its biannual Financial Stability Review.
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Evolution of the mortgage determines 2015 - 2021
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These measures were initially presented in 2015 and were evaluated on a yearly basis till 2021.
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The following provides previous reviews of the mortgage measures, associated research study and Statutory Instruments.
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2021 Review of Mortgage Measures (FSR 2021: II)
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2020 Review of Mortgage Measures (FSR 2020: II)
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2019 Review of Mortgage Market Measures (FSR 2019: II)
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2018 Review of Mortgage Market Measures
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2017 Review of Mortgage Market Measures
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2016 Review of Mortgage Market Measures
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The regulations have actually been based upon extensive economic analysis and empirical evidence. This research study has been released and can be discovered listed below.
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Economic Letter: Macroprudential Measures and Irish Mortgage Lending: A Review of Recent Data
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Policy Paper: The Introduction of [Macroprudential Measures](https://jadranreality.com) for the Irish Mortgage Market
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Research Technical Paper: Credit conditions, macro-prudential policy and home prices
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Research Technical Paper: Designing macroprudential policy in mortgage lending: Do first-time-buyers default less?
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Economic Letter: Do Very first time buyers default less? Implications for macro-prudential policy
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Economic Letter: Mortgage insurance coverage in an Irish context
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Economic Letter: House price volatility: The function of various purchaser types
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Economic Letter: Assessing the impact of macro-prudential measures
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Economic Letter: Macro-prudential steps and the housing market
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Economic Letter: Macro-prudential Tools and [Credit Risk](https://www.agentjill.com) of Residential Or Commercial Property Lending at Irish banks
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Economic Letter: Assessing the sustainability of Irish domestic property rates: 1980 Q1 - 2016 Q2
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Economic Letter: Housing supply after the crisis
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Economic Letter: Exploring advancements in Ireland's local rental markets
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Economic Letter: Modelling Irish Rents: Recent Developments in Historical Context
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Economic Letter: Macroprudential Measures and Irish Mortgage Lending: Insights from H1 2016
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Economic Letter: The Effects of Macroprudential Policy on Borrowers Leverage
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Economic Letter: Model-based price quotes of the durability of mortgages at origination
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Economic Letter: Originating Loan to Value ratios and the strength of mortgage portfolios
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Economic Letter: The earnings circulation and the Irish mortgage market
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Economic Letter: Macroprudential and Irish mortgage financing: An overview of loaning in 2016
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Economic Letter: Macroprudential measures and Irish mortgage financing: Insights from H1 2017
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Economic Letter: New mortgage financing activity in a relative context
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Financial Stability Note: Macroprudential measures and Irish mortgage loaning: An overview of 2017
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Financial Stability Note: Macroprudential steps and Irish mortgage financing: Insights from H1 2018
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Financial Stability Note: Lending above macroprudential mortgage limitations: The Irish experience considering that 2015
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Financial Stability Note: Have First-Time Buyers continued to default less?
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Financial Stability Note: Mortgage maintenance problems and LTI caps
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Financial Stability Note: A procedure of bindingness in the Irish mortgage market
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Financial Stability Note: Mortgage debtors at the loan-to-income limitation
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Financial Stability Note: Mortgage repayment price throughout the earnings circulation
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Financial Stability Note: A summary of the Irish housing market
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2022 Regulations (Statutory Instrument No. 546 of 2022)
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The following Statutory Instruments will be revoked with impact from 1 January 2023
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2015 Regulations (Statutory Instrument No. 47 of 2015)
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2016 Regulations (Statutory Instrument No. 568 of 2016)
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2017 Regulations (Statutory Instrument No. 559 of 2017)
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2019 Regulations (Statutory Instrument No. 369 of 2019)
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2021 Regulations (Statutory Instrument No. 666 of 2021)
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The regulations were also informed by a public consultation provided in 2014. The Central Bank of Ireland published a feedback document offering an overview of actions to the submissions made throughout the consultation process and the review process carried out by the Reserve bank of Ireland.
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For additional details see: CP87 Macro-prudential policy for residential loaning.
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About the Mortgage Measures Framework Review
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Over the course of 2021 and 2022, the Central Bank performed a review of the mortgage measures framework. The function of the review was to make sure that the mortgage measures continue to stay healthy for purpose, because of the advancement of the monetary system and the wider economy given that the procedures were initially introduced in 2015.
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The review thought about the total framework for, and technique around, the mortgage steps. The conclusions of the evaluation were informed by the Reserve bank's analysis of a broad range of evidence, lessons from worldwide experience and the feedback gotten through engagement with the public and other stakeholders. The review concluded in October 2022 with the publication of the revised structure for macroprudential mortgage steps.
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