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

The European Systemic Risk Board identifies medium-term vulnerabilities in the Netherlands' residential real estate sector as a source of systemic risk to financial stability. The warning highlights persistently high household debt levels combined with low mortgage collateralisation, noting that approximately half of mortgagors under 40 have debt exceeding their home's value. Although Dutch banks are well-capitalized and existing macroprudential measures are in place, the Board considers current policies insufficient to fully address these risks due to their gradual phase-in and limited calibration.

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EUR-Lex - 32017Y0131(07) - EN

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Lineage: In force

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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