Regulatory Alerts2019-01-01
Decree of NBS No 9/2019
Národná banka Slovenska issued Decree No 9/2019 to amend the assessment of borrowers’ ability to repay consumer loans by introducing stricter Debt Service-to-Income (DSTI) ratio limits. The regulation establishes new caps on the volume of loans granted to borrowers with significant expenditure increases and extends transitional provisions for the first half of 2020. These measures aim to enhance financial stability by limiting high-risk lending practices effective from January 1, 2020.
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