Financial stability instruments

60%

All loan repayments may not exceed 60% of household income

A household’s total loans may not exceed eight times its annual income

The loan amount may not exceed 80% of the value of the property

Mortgage loans can have a maturity of up to 30 years; consumer credit, up to eight years

The rate depends on the increase or decrease in cyclical risks

Increases the resilience of the most significant banks

Increases resilience to systemic risks

Applies to all banks

Some may concern also Slovak banks