Europejski Urząd Nadzoru Bankowego, Dokument konsultacyjny- Projekt technicznych standardów regulacyjnych dotyczących równoważnego mechanizmu dla nierozliczonej nieruchomości na podstawie artykułu 124(12) Rozporządzenia UE nr 575/2013

13/05/2024

EBA/CP/2024/11

Draft - Regulatory Technical Standards on equivalent mechanism for unfinished property under Article 124(12) of EU Regulation 575/2013

Article 124 of CRR sets out the requirements for the assignment of risk weights for exposures secured by mortgages on immovable property, i.e. both for residential and commercial property lending. Specifically, Article 124(3)(a)(iii) CRR extends the possibilities to be eligible to the preferential risk weight treatment for retail immovable property under article 125(1) CRR for exposures which are still under construction, where any of the following conditions is met:

- the immovable property does not have more than four residential housing units and will be the primary residence of the obligor and the lending to the natural person is not indirectly financing ADC exposures;

- a central government, regional government or local authority or a public sector entity involved, exposures to which are treated in accordance with Articles...