87. Deputy Michael McGrath asked the Minister for Finance if the exemptions on the loan to income and loan to value mortgage rules are based on approvals or drawdowns; if there are restrictions on exemptions based on the overall loan book; his views on the alleged practice of banks providing incentives to customers in order for them to delay drawdown of their mortgage until 2019; the views of the Central Bank on same; if there are tools that the Central Bank can use to curb such behaviour; and if he will make a statement on the matter. [51477/18]

Summary

87. Deputy Michael McGrath asked the Minister for Finance if the exemptions on the loan to income and loan to value mortgage rules are based on approvals or drawdowns; if there are restrictions on exemptions based on the overall loan book; his views on the alleged practice of banks providing incentives to customers in order for them to delay drawdown of their mortgage until 2019; the views of the Central Bank on same; if there are tools that the Central Bank can use to curb such behaviour; and if he will make a statement on the matter. [51477/18]

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• Mortgage Lending

  xml · EN · 6 December 2018

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