Publication details
Zpřísňující doporučení ČNB pro poskytování hypotečních úvěrů
| Title in English | Tightening recommendation of the CNB for the provision of mortgage loans |
|---|---|
| Authors | |
| Year of publication | 2019 |
| Type | Article in Proceedings |
| Conference | Dny práva 2018 – Days of Law 2018: Část V. Interakce práva a ekonomie. |
| MU Faculty or unit | |
| Citation | |
| Web | Open access sborníku |
| Keywords | Czech National Bank; mortgage; credit; hazard; debt. |
| Attached files | |
| Description | The Czech National Bank in June 2018 introduced new recommendations relating to the provision of mortgage loans by the official recommendation is valid from 1 October 2018. However, from the experience we know that the CNB’s “recommendations” should be seen as a regulations, as a non complying bank usually gets into the CNB’s viewpoint and is more often controlled. CNB follows the recommendation, which introduced indicators LTV and now concludes that, hand in hand, it is necessary to monitor indicators DTI and DSTI. |