LTV

  • KGFS Reporting in Denmark: New Home Loans to High-Debt Borrowers

    Finanstilsynet’s KGFS return, “Boligudlån for kunder med høj gældsfaktor” (home loans to customers with a high debt-to-income factor), requires in-scope Danish banks, branches of foreign banks and mortgage banks to report quarterly new lending secured on owner-occupied homes and holiday homes. The return includes a total new-lending measure and separately identifies specified lending to customers…

  • ESPREP-RES Reporting in Luxembourg: CSSF Real Estate Lending Data

    Circular CSSF 26/908 of 25 March 2026 changed how Luxembourg lenders file ESPREP-RES reporting, the semi-annual residential real estate lending indicators, and deleted the file-naming block behind this report’s internal code, ESPREP-ENNNN-YYYY-MM-RES. The underlying return under Circular CSSF 18/703 remains in force. The amended transmission section provides a dedicated eDesk approach and a JSON-based API…