The bank said that it would increase "risk-weight add-ons for mortgage loans (issued to citizens) in order to limit individuals' over-indebtedness."
"Lending standards are significantly deteriorating against the backdrop of soaring lending," it explained.
"Over the two years, the proportion of loans issued to borrowers with a debt service-to-income ratio exceeding 80 percent nearly doubled and equaled 47 percent in the third quarter of 2023," the bank said, adding that housing loans with a low down payment (below 20 percent) reached 50 percent of all mortgages granted.
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