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Other measures

Other macroprudential measures include stricter national measures taken under Article 458 of the Capital Requirements Regulation, as well as further macroprudential measures that are not harmonised by Union law. Prominent examples include caps for loan-to-value ratios, debt-to-income ratios and debt-service-to-income ratios.

Notifications

26 January 2024
Notification by Eesti Pank (Estonia) on borrower-based measures (BBMs)
22 December 2023
Notification by Latvijas Banka (Latvia) on borrower-based measures (BBMs)
20 December 2023
Notification by FIN-FSA (Finland) on borrower-based measures (BBMs)
18 December 2023
Notification by Haut Conseil de stabilité financière (France) on borrower-based measures (BBMs)
15 December 2023
Notification by Magyar Nemzeti Bank (Hungary) on borrower based measures (BBMs)
15 December 2023
Notification by Finansinspektionen (Sweden) on Article 458 CRR
30 November 2023
Notification by Czech National Bank (Czech Republic) on borrower-based measures (BBMs)
9 October 2023
Notification by Banco de Portugal (Portugal) on borrower-based measures (BBMs)
27 September 2023
Notification by Magyar Nemzeti Bank (Hungary) on Mortgage Funding Adequacy Ratio
27 September 2023
Notification by Finanzmarktaufsicht Liechtenstein on borrower-based measures (BBMs)
13 September 2023
Notification by Finansinspektionen (Sweden) on Article 458 CRR
31 July 2023
Notification by Eesti Pank (Estonia) on Article 458
30 July 2023
Notification by Eesti Pank (Estonia) on Article 458 Risk Weights (458RW)
1 July 2023
Notification by Czech National Bank (Czech Republic) on borrower-based measures (BBMs)
1 July 2023
Notification by FIN-FSA (Finland) on borrower-based measures (BBMs)
29 June 2023
Notification by Haut Conseil de stabilité financière (France) on borrower-based measures (BBMs)
7 June 2023
Notification by Banka Slovenije (Slovenia) on borrower-based measures (BBMs)
2 February 2023
Notification by Norges Bank (Norway) on borrower-based measures (BBMs)
5 January 2023
Notification by Magyar Nemzeti Bank (Hungary) on Mortgage Funding Adequacy Ratio
1 January 2023
Notification by FIN-FSA (Finland) on borrower-based measures (BBMs)
16 December 2022
Notification by Norwegian Ministry of Finance (Norway) on other macroprudential measures
16 December 2022
Notification by Norwegian Ministry of Finance (Norway) on other macroprudential measures
26 November 2022
Notification by Lietuvos bankas (Lithuania) on Loan to Value
6 September 2022
Notification of Národná banka Slovenska (Slovakia) on recommended DSTI limits, DTI limits and Loan maturity.
8 August 2022
Notification of De Nederlandsche Bank (The Netherlands) on Article 458 RW
8 July 2022
Notification of Magyar Nemzeti Bank (Hungary) on Mortgage Funding Adequacy Ratio
29 June 2022
Notification by Finanzmarktaufsicht in Österreich (Austria) on recommended DSTI limits, LTV limits and Loan maturity
16 June 2022
Notification of Sedlabanki Islands (Iceland) on recommended DSTI and LTV limits
11 May 2022
Notification of Banka Slovenije (Slovenia) on BBMs
29 March 2022
Notification of Magyar Nemzeti Bank (Hungary) on Foreign Exchange Liquidity Ratio
1 February 2022
Notification by Banco de Portugal on change in loan maturity
10 January 2022
Notification by Česká národní banka (Czech Republic) on LTV, DSTI and DTI limits
4 January 2022
Notification by the Central Bank of Ireland on borrower based measures (BBMs)
8 December 2021
Notification by Financial and Capital Market Commission (Latvia) on other borrower-based measure restrictions
8 December 2021
Notification by Finanssivalvonta/Financial Supervisory Authority (Finland) on Loan to Collateral
5 November 2021
Notification by Magyar Nemzeti Bank (Hungary) on amendment of the mortgage funding adequacy ratio (MFAR) regulation
29 September 2021
Notification by Haut Conseil de stabilité financière (France) on DSTI and maturity limits
28 September 2021
Notifications by Sedlabanki Íslands (Iceland) on Debt Service to Income
20 September 2021
Notification by Finansinspektionen (Sweden) on measures taken under Article 458 of the CRR
29 June 2021
Notification by Sedlabanki Islands (Iceland) on Loan To Value
7 June 2021
Notification by Central Bank of Cyprus on LTV
18 May 2021
Notification by Eesti Pank (Estonia) on Article 458
30 April 2021
Notification by Nationale Bank van België/Banque Nationale de Belgique (Belgium) on Article 458
22 February 2021
Notification by Haut Conseil de Stabilité Financière (France) on the DSTI ratio and maturity recommendation for housing loans
22 February 2021
Notification by Comité du Risque Systémique (Luxembourg) on loan-to-value (LTV) ratio limits
22 February 2021
Notification by the Norwegian Ministry of Finance (Norway) on Article 458 of the CRR (on residential real estate)
22 February 2021
Notification by the Norwegian Ministry of Finance (Norway) on Article 458 of the CRR (on commercial real estate)
22 February 2021
Notification by Finansinspektionen (Sweden) on Article 458 of the CRR
1 January 2021
Notification by the Norges Bank (Norway) on the DTI and LTV ratios, stress test, loan amortisation and speed limits
19 October 2020
Notification by Banka Slovenije (Slovenia) on the debt-service-to-income (DSTI) ratio limit
19 October 2020
Notification by Magyar Nemzeti Bank (Hungary) on amendments of the FFAR, FECR and IFR regulations
19 October 2020
Notification by the Finanssivalvonta/Financial Supervisory Authority (Finland) on the loan-to-value (LTV) ratio limit
14 July 2020
Notification by the French Haut Conseil de Stabilité fFnancière (France) on a stricter measure based on Article 458 of the CRR
8 April 2020
Notification by Nationale Bank van België/Banque Nationale de Belgique (Belgium) on a stricter measure based on Article 458 of the CRR
23 March 2020
Notification by Norges Bank (Norway) on amendments of requirements for new residential mortgage loans
11 March 2020
Notification by De Nederlandsche Bank (the Netherlands) on a stricter measure based on Article 458 of the CRR
14 February 2020
Notification by Národná banka Slovenska (Slovakia) on tightening the limit on DSTI
14 February 2020
Notification by Banka Slovenije (Slovenia) on macroprudential restrictions on household lending
14 February 2020
Notification by Banco de Portugal on amendment to the macroprudential Recommendation on new credit agreements for consumers
27 September 2019
Notification by Finanssivalvonta/Financial Supervisory Authority (Finland) on an extension of the period of application of a stricter national measure based on Article 458 of the CRR
28 August 2019
Notification by Eesti Pank (Estonia) on a stricter measure based on Article 458 of the CRR [26 June 2019]
9 August 2019
Notification by Magyar Nemzeti Bank (Hungary) on the amemdment of regulation on debt-service-to-income (DSTI) ratio and loan-to-value (LTV) ratio limits
17 May 2019
Notification by Central Bank of Malta on borrower-based measures
25 January 2019
Notification by the Magyar Nemzeti Bank (Central Bank of Hungary) on amendments of the mortgage funding adequacy ratio regulation
16 January 2019
Notification by Banca Naţională a României (Romania) on debt-service-to-income limit for households total indebtedness
5 November 2018
Notification by Banka Slovenije (Slovenia) on recommended LTV and DSTI limits
2 July 2018
Notification by Norges Bank (Norway) on requirements for new residential mortgage loans
27 June 2018
Notification by Finansinspektionen (Sweden) on a stricter measure based on Article 458 of the CRR
20 June 2018
Notification by Magyar Nemzeti Bank (Hungary) on changes in the payment-to-income and loan-to-value limits
7 June 2018
Notification by Národná banka Slovenska (Slovakia) on macroprudential measures related to housing loans and consumer loans
3 April 2018
Notification by Haut Conseil de Stabilité Financière (France) on a stricter measure based on Article 458 of the CRR
28 March 2018
Notification by Finansinspektionen (Sweden) on amortisation requirements for mortgage loans
21 March 2018
Notification by Finanssivalvonta/Financial Supervisory Authority (Finland) on a tighter loan-to-collateral limit
14 March 2018
Notification by Nationale Bank van België/Banque Nationale de Belgique (Belgium) on a stricter measure based on Article 458 of the CRR
14 March 2018
Notification by Banca Naţională a României (Romania) on measures regarding consumer loans granted by non-bank financial institutions
8 February 2018
Notification by Banco de Portugal on the introduction of LTV, DSTI and maturity limits
13 December 2017
Notification by the Central Bank of Ireland on borrower-based mortgage measures
30 November 2017
Notification by Bundesministerium für Finanzen (Austria) on the creation of the legal basis for macroprudential measures to address systemic risks related to real estate financing
21 November 2017
Notification by Central Bank of Cyprus on a stricter measure based on Article 458 of the CRR
16 November 2017
Notification by Národná banka Slovenska (Slovakia) on macroprudential measures related to consumer loans
24 July 2017
Notification by Fjarmalaeftirlitid/Financial Supervisory Authority (Iceland) on the introduction of LTV limits
27 June 2017
Notification by Finanssivalvonta/Financial Supervisory Authority (Finland) on a stricter measure based on Article 458 of the CRR
14 February 2017
Notification by Nationale Bank van België/Banque Nationale de Belgique (Belgium) on a stricter measure based on Article 458 of the CRR
23 January 2017
Notification by Komitet Stabilności Finansowej (Poland) on a recommendation on the restructuring of the portfolio of housing loans in foreign currencies
20 January 2017
Notification by Norges Bank (Norway) on requirements for new residential mortgage loans
20 December 2016
Notification by Národná banka Slovenska (Slovakia) on macroprudential measures related to housing loans
4 October 2016
Notification by Banka Slovenije (Slovenia) on recommended LTV and DSTI limits
15 June 2016
Notification by Česká národní banka (Czech Republic) on changes in recommended LTV limits
14 June 2016
Notification by Finanssivalvonta/Financial Supervisory Authority (Finland) on risk weights for housing loans
23 March 2016
Notification by Magyar Nemzeti Bank (Hungary) on the start of operation of a dedicated asset management company
18 March 2016
Notification by Haut Conseil de stabilité financière (France) on the reciprocation of a stricter Belgian measure based on Article 458 of the CRR
21 January 2016
Notification by Nationale Bank van België/Banque Nationale de Belgique (Belgium) on the extension of a stricter measure based on Article 458 of the CRR
10 July 2015
Notification by Magyar Nemzeti Bank (Hungary) on the increase of the required minimum level of the liquidity coverage ratio
14 April 2015
Notification by Magyar Nemzeti Bank (Hungary) of planned measures aimed at regulating the currency and maturity mismatches in the balance sheets of credit institutions
27 March 2015
Notification by Magyar Nemzeti Bank (Hungary) of a planned macroprudential measure aimed at regulating the forint maturity mismatch of credit institutions incorporated in Hungary
7 January 2015
Notification by De Nederlandsche Bank (the Netherlands) on the reciprocation regarding a stricter macroprudential measure applied by Belgium for certain residential mortgage lending
22 April 2014
Notification by Banka Slovenije (Slovenia) of planned regulatory changes for macroprudential purposes
1 April 2014
Notification by Nationale Bank van België/Banque Nationale de Belgique (Belgium) on a stricter measure based on Article 458 of the CRR