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Dutch banks must hold €3B of extra capital for mortgages, central bank says

The Dutch central bank said it intends to impose a floor for lenders' mortgage portfolio risk weights, which will require banks that use internal models to calculate such risks to maintain roughly €3 billion in additional capital against their domestic mortgage loan portfolios.

The floor, which increases with the loan-to-value ratio of the underlying loans, will strengthen banks' ability to absorb the impact of a potential adjustment in house prices, De Nederlandsche Bank NV said in its autumn financial stability report. As a result, the central bank will increase the average risk weighting for mortgage loans to between 14% and 15% from the current 11%.

The regulator said it plans to introduce the floor to address the insufficient risk weights banks assign to Dutch mortgage loans, noting that loans partly or fully covered by the Dutch National Mortgage Guarantee scheme will be exempt from the measure.

The measure is expected to have a limited impact on local mortgage interest rates, and will only marginally affect home buyers, the central bank added.

The measures, which follow a recommendation by the European Systemic Risk Board, will take effect in autumn 2020 for two years, following consultations with European institutions and the public.