Knowledge Base

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Questions

What was the proportion of first-time buyers among loans granted in March 2023 according to HCSF data?

35.9%
41.9%
47.9%
51.9%

What was the maximum authorized duration for mortgage loans under the HCSF standards in force since January 2022?

20 years
25 years
30 years
35 years

What was the immediate impact of the HCSF's decision to release the countercyclical buffer to 0% on April 2, 2020?

An increase in banks' CET1 ratios
The release of 8 billion euros in bank capital
A decrease in interest rates on loans
The elimination of state loan guarantees

What was the average CET1 ratio of French banks at end-2019 before the crisis?

8.4%
11.4%
14.4%
17.4%

The sectoral systemic risk buffer was maintained until June 2025 due to an increase in risks.

True
False

The decline in mortgage lending in 2023 was primarily due to constraints imposed by the HCSF.

True
False

Categorize items by dragging them to the appropriate zones

Items to categorize:

Banks' CET1 ratio
Default rate on mortgage loans
Household over-indebtedness levels
Minimum capital requirements
Categories:

Banking stability

Household stability