Instruction No. 2019-I-08 of March 26, 2019 amending Instruction No. 2011-I-14 of September 29, 2011 on the monitoring of risks on housing loans in France

PRUDENTIAL CONTROL AND RESOLUTION AUTHORITY

Instruction No. 2019-I-08 amending Instruction No. 2011-I-14 of September 29, 2011 on the monitoring of risks on housing loans in France

The Prudential Control and Resolution Authority, Having regard to the Monetary and Financial Code, in particular Articles L. 515-13 to L. 515-39, as well as L. 612-24 and R. 515-2 to R. 515-17; Having regard to Instruction No. 2011-I-14 of September 29, 2011 on the monitoring of risks on housing loans in France, as amended by Instruction No. 2013-I-06 of May 28, 2013; Having regard to the opinion of the Prudential Affairs Consultative Committee of February 20, 2019, DECIDES

Article 1: The CREDITHAB table presented in the annex to Instruction No. 2011-I-14 is replaced by the table appearing in the annex to this Instruction;

Article 2: This Instruction enters into force as of March 1, 2020. The covered institutions transmit electronically, with the first submission, the data relating to the deadlines of January 31 and February 28, 2020.

Paris, March 26, 2019 The Designated President, [Denis BEAU]

2 Annex to Instruction No. 2019-I-08 Social Scope France Activity Euro Currency Total primary residence of which: first-time buyer Paris Île-de-France outside Paris Province C0010 C0020 C0030 C0040 C0050 C0060 C0070 C0080 C0090 C0100 R0010 Amount of monthly production R0020 Amount of principal loan production R0030 Amount of renovation loan production R0040 Amount of bridging loan production R0050 Number of operations R0060 Amount of fully amortizing loan production R0070 Amount of partially amortizing loan production R0080 Amount of bullet loan production R0090 Amount of fixed-rate loan production R0100 Amount of variable-rate loan production R0110 Of which amount of capped variable-rate loan production R0120 Amount of hybrid-rate loan production Initial term (excluding bridging loans) R0130 Average, in years R0140 Amount of production (excluding bridging loans) for which the initial term is less than or equal to 10 years R0150 Amount of production (excluding bridging loans) for which the initial term is between 10 and 15 years R0160 Amount of production (excluding bridging loans) for which the initial term is between 15 and 20 years R0170 Amount of production (excluding bridging loans) for which the initial term is between 20 and 25 years R0180 Amount of production (excluding bridging loans) for which the initial term is greater than 25 years R0190 Amount of production (excluding bridging loans) for which information is not available Annual income at origination R0200 Average, in euros R0210 Amount of production for which annual income is less than or equal to 20,000 euros R0220 Amount of production for which annual income is between 20,000 and 30,000 euros R0230 Amount of production for which annual income is between 30,000 and 50,000 euros R0240 Amount of production for which annual income is between 50,000 and 100,000 euros R0250 Amount of production for which annual income is greater than 100,000 euros R0260 Amount of production for which information is not available Monthly indicators for monitoring housing credit distribution in France CREDITHAB Monthly indicators for monitoring housing credit distribution in France Property location Total credit operations Object of the credit operation Primary residence External credit buyouts Renegotiations Rental investment Other credits

3 Social Scope France Activity Euro Currency Total primary residence of which: first-time buyer Paris Île-de-France outside Paris Province C0010 C0020 C0030 C0040 C0050 C0060 C0070 C0080 C0090 C0100 Monthly indicators for monitoring housing credit distribution in France CREDITHAB Monthly indicators for monitoring housing credit distribution in France Property location Total credit operations Object of the credit operation Primary residence External credit buyouts Renegotiations Rental investment Other credits Debt-to-income ratio at origination (DSTI) R0270 Average, in % R0280 Amount of production for which the debt-to-income ratio is less than or equal to 20% R0290 Amount of production for which the debt-to-income ratio is between 20 and 30% R0300 Amount of production for which the debt-to-income ratio is between 30 and 35% R0310 Amount of production for which, simultaneously, the debt-to-income ratio is between 30 and 35% and the LTV is between 100 and 110% R0320 Amount of production for which, simultaneously, the debt-to-income ratio is between 30 and 35% and the LTV is greater than 110% R0330 Amount of production for which, simultaneously, the debt-to-income ratio is between 30 and 35% and information on the LTV is not available R0340 Amount of production for which the debt-to-income ratio is between 35 and 40% R0350 Amount of production for which the debt-to-income ratio is greater than 40% R0360 Amount of production for which information is not available Debt-to-income ratio at origination (DTI) R0370 Average, in years of income R0380 Amount of production for which the debt-to-income ratio is less than or equal to 3 years R0390 Amount of production for which the debt-to-income ratio is between 3 and 3.5 years R0400 Amount of production for which the debt-to-income ratio is between 3.5 and 4 years R0410 Amount of production for which the debt-to-income ratio is between 4 and 4.5 years R0420 Amount of production for which the debt-to-income ratio is between 4.5 and 5 years R0430 Amount of production for which the debt-to-income ratio is greater than 5 years R0440 Amount of production for which information is not available LTV at origination R0450 Average, in % R0460 Amount of production for which the LTV is less than or equal to 85% R0470 Amount of production for which the LTV is between 85 and 95% R0480 Amount of production for which the LTV is between 95 and 100% R0490 Amount of production for which, simultaneously, the LTV is between 95 and 100% and the debt-to-income ratio is between 35 and 40% R0500 Amount of production for which, simultaneously, the LTV is between 95 and 100% and the debt-to-income ratio is greater than 40% R0510 Amount of production for which the LTV is between 95 and 100% and information on the debt-to-income ratio is not available R0520 Amount of production for which the LTV is between 100 and 110% R0530 Amount of production for which the LTV is greater than 110% R0540 Amount of production for which information is not available

4 Social Scope France Activity Euro Currency Total primary residence of which: first-time buyer Paris Île-de-France outside Paris Province C0010 C0020 C0030 C0040 C0050 C0060 C0070 C0080 C0090 C0100 Monthly indicators for monitoring housing credit distribution in France CREDITHAB Monthly indicators for monitoring housing credit distribution in France Property location Total credit operations Object of the credit operation Primary residence External credit buyouts Renegotiations Rental investment Other credits Type of security R0550 Amount of production secured by Mortgage or Lender's Privilege R0560 Amount of production secured by the Guarantee of a credit institution R0570 Of which Crédit Logement R0580 Amount of production secured by the Guarantee of an insurance company R0590 Of which CEGC R0600 Of which CAMCA R0610 Amount of production secured by the Social Home Ownership Guarantee Fund R0620 Amount of production with another type of security R0630 Amount of production without security R0640 Amount of production for which information is not available Production for which the debt-to-income ratio is greater than 35% R0650 Number of operations R0660 Breakdown by amortization type R0670 Amount of principal loan production R0680 Amount of renovation loan production R0690 Amount of bridging loan production R0700 Breakdown by rate type R0710 Amount of fixed-rate loan production R0720 Amount of variable-rate loan production R0730 Breakdown by initial term (excluding bridging loans) R0740 Amount of production for which the initial term is between 20 and 25 years R0750 Amount of production for which the initial term is greater than 25 years R0760 Amount of production for which information is not available R0770 Breakdown by LTV level at origination R0780 Amount of production for which the LTV is between 100 and 110% R0790 Amount of production for which the LTV is greater than 110% R0800 Amount of production for which information is not available R0810 Breakdown by type of security R0820 Amount of production secured by Mortgage or Lender's Privilege R0830 Amount of production secured by the Guarantee of a credit institution or an insurance company R0840 Amount of production secured by the Social Home Ownership Guarantee Fund R0850 Amount of production with another type of security R0860 Amount of production without security R0870 Amount of production for which information is not available

5 Social Scope France Activity Euro Currency Total primary residence of which: first-time buyer Paris Île-de-France outside Paris Province C0010 C0020 C0030 C0040 C0050 C0060 C0070 C0080 C0090 C0100 Monthly indicators for monitoring housing credit distribution in France CREDITHAB Monthly indicators for monitoring housing credit distribution in France Property location Total credit operations Object of the credit operation Primary residence External credit buyouts Renegotiations Rental investment Other credits R0880 Information on borrower income R0890 Average, in euros R0900 Amount of production for which annual income is less than or equal to 20,000 euros R0910 Amount of production for which annual income is between 20,000 and 30,000 euros R0920 Amount of production for which annual income is between 30,000 and 50,000 euros R0930 Amount of production for which annual income is between 50,000 and 100,000 euros R0940 Amount of production for which annual income is greater than 100,000 euros R0950 Amount of production for which information is not available Production for which the LTV is greater than 100% R0960 Number of operations R0970 Breakdown by amortization type R0980 Amount of principal loan production R0990 Amount of renovation loan production R1000 Amount of bridging loan production R1010 Breakdown by rate type R1020 Amount of fixed-rate loan production R1030 Amount of variable-rate loan production R1040 Breakdown by initial term (excluding bridging loans) R1050 Amount of production for which the initial term is between 20 and 25 years R1060 Amount of production for which the initial term is greater than 25 years R1070 Amount of production for which information is not available R1080 Breakdown by debt-to-income ratio level at origination R1090 Amount of production for which the debt-to-income ratio is between 35 and 40% R1100 Amount of production for which the debt-to-income ratio is greater than 40% R1110 Amount of production for which information is not available R1120 Breakdown by type of security R1130 Amount of production secured by Mortgage or Lender's Privilege R1140 Amount of production secured by the Guarantee of a credit institution or an insurance company R1150 Amount of production secured by the Social Home Ownership Guarantee Fund R1160 Amount of production with another type of security R1170 Amount of production without security R1180 Amount of production for which information is not available R1190 Information on borrower income R1200 Average, in euros R1210 Amount of production for which annual income is less than or equal to 20,000 euros R1220 Amount of production for which annual income is between 20,000 and 30,000 euros R1230 Amount of production for which annual income is between 30,000 and 50,000 euros R1240 Amount of production for which annual income is between 50,000 and 100,000 euros R1250 Amount of production for which annual income is greater than 100,000 euros R1260 Amount of production for which information is not available

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