Recommendation of the European Systemic Risk Board on medium-term vulnerabilities in the residential real estate sector in the Netherlands

The Netherlands must establish an 'act or explain' mechanism for the macroprudential authority's recommendations on borrower-based measures and lower the legally binding loan-to-value ratio limit to ensure sufficient collateral coverage. The country is required to amend the methodology for the debt-service-to-income ratio to reduce procyclicality and activate capital-based measures to enhance the resilience of credit institutions against residential real estate risks. Additionally, the Netherlands must review structural policies driving excessive household indebtedness and house price growth, with implementation reports due by October 2020 and March 2021.

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EUR-Lex - 32019Y1030(04) - EN

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Source: European Systemic Risk Board — original document · Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works