Publication presenting encumbrance of collateral for household mortgage loans based on data for 2025 Q1 is now available

The data reported for household mortgage lending have been derived from HITREG, the MNB’s Credit Register database. The publication presents the value of the so-called Loan-to-Value ratio (LTV: the ratio of the collateral value to the total amount of loan taken against it), which is used to measure the encumbrance of collateral for household mortgage loans, with regional and time-series charts.

Based on 2025 Q1 data, the encumbrance of real estate collateral for housing loans is unchanged compared to previous quarters, and besides the income burden remains moderate, so excessive household indebtedness and financial stability risks have not been identified.

To access the publication please follow this ^link.