MNB Decree No. 32/2009 - Magyar Nemzeti Bank

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Other( Please, specify it!): 1. 2. <strong>MNB</strong> Survey on Lending Practices Housing Loans II. Questions concerning the change of credit standards and terms 3/A. Over the past quarter, how have your bank’s credit standards and terms for approving applications from individuals for housing mortgage loans changed? Credit standards and terms (total) Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Maximum maturity Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Loan origination fees Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Spreads of interest rates over your bank’s cost of funds Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Premium on risky loans Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Minimum downpayment Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Maximum LTV ratio Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Maximum monthly repayment / monthly income ratio Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Required credit score Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably Tightened considerably Tightened somewhat Remained basically unchanged Eased somewhat Eased considerably 3/B. Over the next half year how are your bank’s credit standards and terms of mortgage loans likely to change? Credit standards and terms (total) Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Maximum maturity Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Loan origination fees Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Spreads of interest rates over your bank’s cost of funds Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Premium on risky loans Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Minimum downpayment Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Maximum LTV ratio Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Maximum monthly repayment / monthly income ratio Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Required credit score Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably Other( Please, specify it!): 1. Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably 2. Tighten considerably Tighten somewhat Remain basically unchanged Ease somewhat Ease considerably 4/A. Over the past quarter how did the following factors contribute to the change in your bank's credit standards and terms of mortgage loans? Changes in the creditworthiness of clients Contributed considerably to tightening Contributed somewhat to tightening Contributed to basically unchanged situtation Contributed somewhat to easing Contributed considerably to easing Changes in bank's current or expected capital position Contributed considerably to tightening Contributed somewhat to tightening Contributed to basically unchanged situtation Contributed somewhat to easing Contributed considerably to easing Changes in bank's current or expected liquidity 1. oldal 336 II./ V.
g p q y Economic outlook Outlook of the housing market Competitive situation with other banks or non-banks Changes in risk tolerance Market share goals Other( Please, specify it!): 1. 2. <strong>MNB</strong> Survey on Lending Practices Housing Loans Contributed considerably to tightening Contributed somewhat to tightening Contributed to basically unchanged situtation Contributed somewhat to easing Contributed considerably to easing Contributed considerably to tightening Contributed somewhat to tightening Contributed to basically unchanged situtation Contributed somewhat to easing Contributed considerably to easing Contributed considerably to tightening Contributed somewhat to tightening Contributed to basically unchanged situtation Contributed somewhat to easing Contributed considerably to easing Contributed considerably to tightening Contributed somewhat to tightening Contributed to basically unchanged situtation Contributed somewhat to easing Contributed considerably to easing Contributed considerably to tightening Contributed somewhat to tightening Contributed to basically unchanged situtation Contributed somewhat to easing Contributed considerably to easing Contributed considerably to tightening Contributed somewhat to tightening Contributed to basically unchanged situtation Contributed somewhat to easing Contributed considerably to easing Contributed considerably to tightening Contributed somewhat to tightening Contributed to basically unchanged situtation Contributed somewhat to easing Contributed considerably to easing Contributed considerably to tightening Contributed somewhat to tightening Contributed to basically unchanged situtation Contributed somewhat to easing Contributed considerably to easing 4/B. Over the next half year how are the following factors likely to contribute to the change in your bank's credit standards and terms of mortgage loans? Changes in the creditworthiness of clients Contribute considerably to tightening Contribute somewhat to tightening Contribute to basically unchanged situtation Contribute somewhat to easing Contribute considerably to easing Changes in bank's current or expected capital position Contribute considerably to tightening Contribute somewhat to tightening Contribute to basically unchanged situtation Contribute somewhat to easing Contribute considerably to easing Changes in bank's current or expected liquidity Contribute considerably to tightening Contribute somewhat to tightening Contribute to basically unchanged situtation Contribute somewhat to easing Contribute considerably to easing Economic outlook Contribute considerably to tightening Contribute somewhat to tightening Contribute to basically unchanged situtation Contribute somewhat to easing Contribute considerably to easing Outlook of the housing market Contribute considerably to tightening Contribute somewhat to tightening Contribute to basically unchanged situtation Contribute somewhat to easing Contribute considerably to easing Competitive situation with other banks or non-banks Contribute considerably to tightening Contribute somewhat to tightening Contribute to basically unchanged situtation Contribute somewhat to easing Contribute considerably to easing Changes in risk tolerance Contribute considerably to tightening Contribute somewhat to tightening Contribute to basically unchanged situtation Contribute somewhat to easing Contribute considerably to easing Market share goals Contribute considerably to tightening Contribute somewhat to tightening Contribute to basically unchanged situtation Contribute somewhat to easing Contribute considerably to easing Other( Please, specify it!): 1. Contribute considerably to tightening Contribute somewhat to tightening Contribute to basically unchanged situtation Contribute somewhat to easing Contribute considerably to easing 2. Contribute considerably to tightening Contribute somewhat to tightening Contribute to basically unchanged situtation Contribute somewhat to easing Contribute considerably to easing Next step → 2. oldal 337 II./ V.
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Decree No. 32/2009 (XII.1.) of the
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Annex 2 to Article 3 (1) of MNB dec
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F) Insurance corporations and pensi
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6.2.4 The following organisations s
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▪ If the reference period falls o
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Unless otherwise provided in the co
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) Interest capitalisation and princ
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If the client may add new funds to
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This construction applies when the
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12. Non-produced, non-financial ass
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10. Documentary deposit: those depo
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(e.g. loss of interest). Deposits w
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2. Unless otherwise provided in the
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other than gold; crude oil; timber;
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• A combination of two caps, one
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• Swap: a nominal principal value
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Please note that boxes O51 and O55
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MNB data collection identification
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3. Reporting of securities stocks S
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5. Dates must be entered in the YYY
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Completion instructions with respec
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q) This is a mandatory field if eit
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Table 02.1 and Table 02.2: Results
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i/ Issue shall be indicated by nega
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c/ and f/ Partner1 is always the se
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Table 02: Cash-flow data of mortgag
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f/ Volume of securities issued by t
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S U P E R V I S O R Y B A L A N C E
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DATA REQUIRED FOR THE CALCULATION O
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Datas on securitisation HFSA identi
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HSFA data collection identification
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HSFA data collection identification
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End of the reference period: Name o
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10. If there are modification needs
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23. The items in the Supervisory ba
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adjustments and valuation differenc
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Valuation adjustment of non-financi
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04 table ks, specialized financial
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II. Detailed instructions for the c
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Prepayment means the repayment of t
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3. Market interest rates and subsid
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5. Annual percentage rate of charge
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Should the credit institution not h
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Columns j and m: Annualised interes
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030 4LAN222 Deposits and loans take
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Table 03: Volume of credit transfer
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Table 19: Volume of rejected direct
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e) Value of all clearing transactio
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⎯ basicly shall be determined on
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Please refer to the same customer c
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If the account holder is a central
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Novation means a substituted contra
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accounts for its clearing members a
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For reports R02/R12, in Tables TBK1
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The Securities (short) name column
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Table ERT5: Price of securities hel
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Column a: Transaction type: the cod
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Monthly data supply of other invest
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The methodological guidelines assis
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In the row indicating the country o
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- other fees and commissions in add
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Balance sheet data of foreign direc
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4. A glossary of terms used in the
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case of individual data the data re
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• additional measures planned,
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MNB Decree No. 32/2009 - Magyar Nemzeti Bank

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