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type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-mount\" 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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n2ideh81.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n2ideh81.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n2ideh81.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n2ideh81.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n2ideh81.nxe :where(ul,ol){padding-left:20px}#nxe-n2ideh81.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n2ideh81.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n2ideh81.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n2ideh81.nxe svg{display:none}#nxe-n2ideh81.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n2ideh81.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2ideh81.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"split\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A02 \u00b7 ENGAGE \u00b7 housing-and-property-finance<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Banking Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Chapter \u00b7 Banking Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Housing and Property Finance<\/h1><p class=\"nx-tagline\">Housing and Property Finance is a chapter of Banking Nexus: a specialist sub-community with its own group, editor and research agenda. Banking\/insurance housing risk without standalone housing site.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/\">Back to Chapters<\/a><\/div><dl class=\"nx-facts\"><div><dt class=\"nx-eyebrow\">Publisher<\/dt><dd>The Global Risks Alliance<\/dd><\/div><div><dt class=\"nx-eyebrow\">Field<\/dt><dd>Financial stability, Capital markets and investment, Climate and hazards<\/dd><\/div><div><dt class=\"nx-eyebrow\">Status<\/dt><dd>Established<\/dd><\/div><div><dt class=\"nx-eyebrow\">Service level<\/dt><dd>R0: information and enquiries<\/dd><\/div><\/dl><\/div><div data-lv-fill=\"console\" data-lv-id=\"stress\"><div class=\"nx-window\"><div class=\"nx-window-bar\" aria-hidden=\"true\"><span class=\"nx-window-dots\"><span><\/span><span><\/span><span><\/span><\/span><span><strong>GRA<\/strong> \u00b7 Banking Nexus \u00b7 Community workspace<\/span><span class=\"nx-window-note\">Illustrative<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-banking-community\" data-cx=\"banking.community\" data-variant=\"hero\" aria-label=\"Community workspace: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h2 class=\"nx-fk-title\">Community workspace<\/h2><p class=\"nx-fk-sub\">Banking \u00b7 Housing and Property Finance<\/p><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>5 requests to review<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Banking Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Working groups<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-banking-community-t0\"><table class=\"nx-fk-table\" data-fk-table=\"cx-banking-community-t0\" aria-label=\"Working groups\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Group<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Members<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Open items<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Next meeting<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">State<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-banking-community:r0-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Credit risk WG<\/td><td data-num=\"true\" data-sv=\"24\">24<\/td><td data-num=\"true\" data-sv=\"7\">7<\/td><td>Week 9<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Active<\/span><\/td><\/tr><tr data-fk-key=\"cx-banking-community:r0-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Capital WG<\/td><td data-num=\"true\" data-sv=\"28\">28<\/td><td data-num=\"true\" data-sv=\"8\">8<\/td><td>Week 34<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Active<\/span><\/td><\/tr><tr data-fk-key=\"cx-banking-community:r0-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Resilience WG<\/td><td data-num=\"true\" data-sv=\"19\">19<\/td><td data-num=\"true\" data-sv=\"11\">11<\/td><td>Week 24<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Chair needed<\/span><\/td><\/tr><tr data-fk-key=\"cx-banking-community:r0-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Climate risk WG<\/td><td data-num=\"true\" data-sv=\"23\">23<\/td><td data-num=\"true\" data-sv=\"8\">8<\/td><td>Week 30<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Active<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"queue\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Join requests<\/h4><\/div><\/div><ol class=\"nx-cx-q\"><li><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>J-1<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Hydrologist, early career<\/span><span class=\"nx-cx-qm\">Credit risk WG<\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">6<\/span> d<\/span><\/li><li><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>J-2<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Utility engineer<\/span><span class=\"nx-cx-qm\">Capital WG<\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">2<\/span> d<\/span><\/li><li><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>J-3<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Conflict of interest to declare<\/span><span class=\"nx-cx-qm\">Resilience WG<\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">8<\/span> d<\/span><\/li><\/ol><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"kanban\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Contributions<\/h4><\/div><\/div><div class=\"nx-cx-kb\" data-n=\"3\"><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Proposed<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\"><span class=\"nx-cx-ct\">Climate stress test<\/span><span class=\"nx-cx-cm\">credit: named<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>In review<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"live\"><span class=\"nx-cx-ct\">ICAAP refresh<\/span><span class=\"nx-cx-cm\">two reviewers<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Accepted<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"ok\"><span class=\"nx-cx-ct\">ICAAP summary<\/span><span class=\"nx-cx-cm\">credited on record<\/span><\/div><\/div><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Banking Nexus \u00b7 Community workspace<\/strong><span>Community workspace, in outline: domain structure with placeholder names and illustrative values, not a record.<\/span><\/p><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-s-3-sec\"><span>02<\/span>From enquiry to contribution<\/a><a href=\"#nx-sec-field\"><span>03<\/span>Assets on the grid, and the\u2026<\/a><a href=\"#nx-sec-the-chapter\"><span>04<\/span>What Housing and Property Finance\u2026<\/a><a href=\"#nx-sec-pg-nx-gra-a02-ch-housing\"><span>05<\/span>Mortgages, insurance and hazard on\u2026<\/a><a href=\"#nx-sec-join\"><span>06<\/span>Take part<\/a><a href=\"#nx-sec-terms\"><span>07<\/span>Terms used on this page<\/a><a href=\"#nx-sec-pg-sources\"><span>08<\/span>Where this page's references lead<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Housing and Property Finance is a chapter of Banking Nexus: a specialist sub-community with its own group, editor and research agenda. Its work starts from the cornerstone topic, housing and property finance. Mortgage risk is the risk that borrowers cannot repay housing loans or that falling property values leave lenders exposed. A chapter becomes a platform of its own only by meeting the graduation rule.<\/p><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"workflow\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/A02\/chapters\/housing-and-property-finance\/#workflow\" data-nxf-title=\"Participation\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-s-3-sec\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">From enquiry to contribution.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Canvas<\/strong> \u00b7 from enquiry to contribution<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a02-chapters-housing-and-property-finance-t nx-dag-a02-chapters-housing-and-property-finance-d\" data-nx-z=\"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\"><title id=\"nx-dag-a02-chapters-housing-and-property-finance-t\">Housing and Property Finance: a working group from charter to sunset<\/title><desc id=\"nx-dag-a02-chapters-housing-and-property-finance-d\">A charter sets the question and the code of conduct; members join with declared interests; a workplan produces deliverables that are reviewed and credited; the group reports and sunsets or renews. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>The path from an enquiry to a credited contribution. Design, not a record; no step creates membership.<\/span><\/p><\/div><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Assets on the grid, and the portfolio they make.<\/h2><p class=\"nx-lede\">Where a portfolio's assets sit, and how much of its value is most exposed. Hypothetical assets, not an assessment.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"asset-geocode\" data-gl=\"sf:asset-geocode\" data-sf=\"asset-geocode\" data-sx-credit=\"Natural Earth (public domain) | hypothetical assets and design scores\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"quality\" aria-label=\"Interactive map: sixteen hypothetical assets at real towns, coloured by a design hazard score. The panel chooses a hazard or an asset.\" 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Jz4ciD3rgmawxTjNa1Yvwd6YCEMGQ\/oNQWDeGRSL4RDDEe7QjfPn3IP+wlJzGmI4wpNDTrhbWAQ7GEA7xW7NyXS4VZkYJaYc4sgCCc\/DRi38B0ICwh6U2HDKRnIyAhsNBupoKTPFiUTMfljcDCOrGB7NIOQAOtM0YzI1RDIG8kFJJAdlxyJ2xvhLicly9pWrjEElMiwCIKxTHK5YcqTEHAUz1ileuVRzKGCnwhHKwFC8Yhu2Fj48YVMm9cnZBzK8pQgJWSJVspJeWEHaRq5xwTpEheKnhYsJ\/RvBL\/ZpAQl6DhlPixg5OG4HojWxYlAEdEwRSCWstZ7wS84I2Sgv8qYWXaZdDCLCiOU6yWGJYTEcv0yaKJdi\/ZChASMLbqY0x0ZANIm2nE8nnIohmxmhpgB1Dcdrdfq0IPuzjDyeFs5FKoaPliwerp3fdDQfVqkAa9mzewjBmowhVrBZ46x2DiAeQSdD9pMIItMBkiQ8GiJq4FOsYnN0jCHhMXJ4z4QAR4wu2TFEHH4BvYCC4Ajot5wyHM\/qI5yAk9gSQzmZK5AoH+AS5M3WDPFpm4M9kiyAAgBQKA85RcaJFcR6J2wXjMAQeSUrTyVxMyAJgJVNbpSzMAZyC6RTGZKEBI4IUveWIq4Rd8AWZwyDEIlMNJec0CsvdaQFDQe7BU1oGLknyotHT5CTmRCjxaARTiLSpFxQsOcWEZrhJ2A0LD3PwcQwE5JKBEiRRebs7EczjcaUHAtCdB8wqs7IgaYwFU7SPDdJqi0oTW5ySLIcK8bTwlijTEYRHu6f8X6KT8AAwGMASAlih2B4CS1jCg17DX+QdhowG8SosEPB6jnG34KXUkBfZkFDmJGwwA4PWaWEDnajMn9EYkyLoSJTDQZSc8JtxeI4sWxozUnEoCiD9U3h2BVSDcPrFkuiyh4tpVTS6yRm3gz2HlMDpDSZCgkN5dMOk+LM2Em89OwAScMBi+JAFKXQlVSNI2MOilkuSABz045m50iWFI0tJwfwJQEcjaFCsINEcSy3e1ok2iQwsljskh1+rHlhEUeE8EkQWhiFJMAaipMFh+ZdIMkUI3gaujSqONs3cMVWWydeJ4GfQdxm5ZO+kcLDZSk\/Wj3HcSfUmgOSMNDTFKCasxrLhKriSTluYYwICCQ2hE7gwEj6RSLL2EoyVisMpuX8D36d9Q\/vxDlRVJKIhfQbN6Uwv4SDH8NdyxKDUaXCjxnWUGjsSNIgfRWfiZWLAz0haMWrDOxTFHhfUEYy0wzpjFUJxRlJ0gSOMePsBeUS1UFoC3qJjshL2kRTFs1qwoYCNgoBDpCAvXUSAB144vhpkSiTCrMFTJlROs5cWywxxkhmbXUi\/sFJecE+LazXceBRoCRsOBAr02oO4YorDKwNToeBkbunWOedMo4z\/TjkgnR9AvMB7veor+RYFYwM7i4LED7iFDfmiy1zY8YEhk+wKehMgnGAlOx4czBBnH6F2olht6WkVZQLcm2A6TxEw+6C7zPCdzDNZzigJBw5OTDblLFwqoxkqKwbhk0Raqc4U4a+IZ8mtxUj8YgYj0FBU\/a3VDIR1sWmsA+xjUQMmeTgnfJe2Jh8HDpjh5QgBhGvQsYbpGccPu2Y0wSflAW6C3E3sN+h\/pQoWU6UKEBHIDAnyhNhZCUY5gwiaZocTJi3ETtCtE2YDcxZ0YTE4GpSzIyuF310QjwyqIjgTRGY2ZTjwJzCMXNSlwiTwt6Ig1gGpRfCwUvpJ6K80SOZ5nyREzETsJdl6CBORozCSqYMiABNc2wimmnaiBMVAL6MwCm5VSr0iQ92YD+1C8QJ+1PESWBaeKAcEuOqT6B5eaVCisLctKPZplKMSTW77eAEPWsdXK0EAiOakSLfZHjK1HGE6MMum02We410yJCZHjDCwLF4OWY7pqcSxV2YjTKSkU4lSxJW3AiZkXJUgILzgjiemE+VI2fNlL5ik2CQh8ItVoNdRSwpPYnLjSWkSBhewyJD5Q+rzpm+ZHHArVyMIWLOq1Sodc+64RgtEtllnE6k1CwctZN83DDSpTVIdcjGEsUBxSHj8T6w3FLDQ4DMdeIFIkMToMFMQbiR5RCEoMRb0jJhxrAVLCb6yaGZ3LjXJntaeNhpJJWBiIIAsdoOCJkZsJhHImUo9onkklxCbppLi5CxFfsVhtYxjAQOhZPxsIGMWVFjqSIJNTfIk1JYGGWGqfYZe36mPYxAGiN8lGPGNWMyFSQ8p0qMG9nLKhRJx3UEWQbPaKScSsUfA9cvErS8UopZJ8+FFpdS0h9LCEReSECdqZhxoazwk5lgE81pNmaXSwYej2IJjBfMCSPzm1gSCChVFsoBz45UGK4yEWSdym\/J0wJJEgdfShId55ic02AALqc6Gy1EzuhDuDnLTG2sE9GVhOkghSCdC1GQjbk\/VyRjpraZSAAotEJ7ULwljeJCqLCFGeMnMEJO6pJcNPMqFhjMYDVnXGnAAfuxzpsIeY6ciuEqc1ayRJoBTS7hKZbaRsbFSiG8I+EhYDGSOCqbyzV2pEUtNlqYSLTYCqcZ864R+TdXxggZS\/smcsCeDNUe+v9pEYmPsgDuXgBeLLApFkpW6AkmnZxmvAiHDFXKkUYjfjMjlyjLSi00qQByViIntfaYEbjEbUwwkvoPnDYAJvGFlCWLqjI0cYLehWTD4oHoFSdowUN7iSuZAFdazQQbQgjn456E95tgRTjDx+U6MLyGQmMs0QZ5HecrPO6RyTMUNJBnQWJeqE7OAyR+YCeH4eKuEz4GtsyVIhXWkItJnCkL6UY5A8UiXhEjTB774YgTTE51E+ZAUNLmgJhyxZuzQEnHAkZ3LCUd8FfMREoEz0eayhWNVCJBzA4fcJOahmDEG2PYIsFU0tpoZBXNGKQB7JkIFFTLntQHHM6B+mnhpA4neVIYVLgMppgrLvk5wfXYVwRQro0LC8pNOt5dgNHmTADJxg42n5i5pUSyXhf2lgSMgl0ddnR6XBAD9Tg6DM6o3Bik4c6Uwxy1F4hBm6ZCxYKjuw21Q8gyDoVMg3ISV6lSZg0h0FwHsXGvXqdcmMkExJoxSSJ7j4mGIjVPBAXBn+jUaZ8KleuxkQp4TaqPufgxzg95MwDq0S4Su9\/wqKIUQocwOqGNE4oZK49tUFbskFl14b+0kU0SXlibeCzmxxz2JZmItR\/5J2PFrUc6KKIBrrHCFhv+gLlopOC56KCETN5RQm4FtZ+1DnEs8iqV4pYH2NAJmBevhOolxxE28sRMJVBYY\/ouMElsql42PCHC+RCVA+FqeZsWb5hiEM8ghEtWY\/kik31PXOnhFTIA4pZFJDiX7+R9OxGV7xlFSiqbqFTy8vU+qWis2VuxLMNFrtEnYSl9DK1KBP6OuRPoOF5\/JkUyFQBxMC2vpSCV6RH6Mkw0YnuAbJw\/sOVJHIs5pTCx4s2AIHa49KClcA2mXlA5+0U3xqmUy6phA4bDUgGscP0YpAJrAeVdNpMQbtk\/MjNDdQEusiTcAoMo8UWWKt5B71jpPCNZKWdpz34vGUXKqBIbj1ySKWtC9DNsx0Y7I1ENih3inyRnEUMn6Fc0MveJwBQkekblXFtx4tcTeKhMVpezdNmrwUqYk\/FkXCwHMgXpxBv8hHGn3WceioqNM7wVwTqQ5plUTON1fZArpVHYdkV5DPMnRNvAlaWBsQ9lslSnQmrIzii0LRkbSA431vCJP8hQkQNsclwRW2uwYfwsybQ48xh7qxIAs4RhOOMo9v7KSURiR+4AoywwJkAMSCgXqJREMLgRriRGGuB4ix2TFrRomdVJosJuDb8mjEN+jc0olitLDoNmBljxpl8wibIHCpQWiGupOyCVljxDFJNeGcJiKoV3TD6TVDQdE1YT+G6oqws0Aeg3JuKwBUC0DsPLZTukFbobHCNLkeO8VEyMbO4Nm2vsSOdaAT0mUIdOfByzIW6sygQmPsK2vggwN8X+YRMFqpQNgTI\/n4Hb5r1cIEwoB+UNUrxKomlSdDBSMA2bwgD6EVFd4Ae4kMzeIicnK1VCzUhD+C1xy2PVBL7GCTU6phyOUpbg17ApJOzgYrBAlK5kKkYUQ+rJ4\/5WYFnej8oJYCwuUFpBrZwIK4Md006HzZBOquO8N9A4wtBehUWVnF+xS3WBOGMI87SwQIaOw6+xnEU4huiGc2GT5SqLR52CW4tRuA5bRK2QxQkJMhAiTpuxaO0lc4klfnKeILuJQW9JsdbzzjXyqpipkf0luDZ4UCvGRquUk++2guCY2qJ9j3YsazD0JmdGqUXK2s1uEOpCOve08KRcrJc59sxv7HwQrWVEGMrjyHZh\/oked6FyfVUbE0tRQvbiUu6YjP0yKcJey2PGslcBzlcmKlxdylNneoXjehZ8e1g17D2XfM4IQ+WxjzfPebcNREuZdi7Oj7l20AM2MjqhVUPJjKeG\/YXKytaFBNAIiT6HS0nUvZadIKiYGNkppCR2Sqzg0IntC6CoaWuDFeAahX14AhaIemYEEEpb\/Gmm15vNElCFDLBSBmXkCchZc+nNEZbIBKExUZchMJDT8BFQgAqMJGtRzNEkw4XkfGLeLsWhFBAGXjCTDSU5SV2yctljFocow4m2JDj0GTZb0hRiZgsYOWSUoXLpjukfLjAD33DNyz8tMqdo2zJv4LHrmnqooa3ZV1pbxGNO2IQ4sWHTQMbUhAs+kDcse+zG5W32YLBYVE+L2CpveBeTMrLVkD1WFrbKyg6aTIU9AtlY2PbSZMzIzchucaaasKXCyeg89oaFuCA70zDnPKTYsrmUyckUCmRGZixiWEdpSYwIDqYuLF2sAtmUwsQATENYE0rcsrd2omK8mYEGOTKeljcXatqwkYWMwcqOyihWUhb1\/FgNYyO7xttSX03D\/kaHGppXMZ4LkRMGwpMhszY8ozu9msztRE0\/XU18lJ2biZo+Xk18fp5MVHc1yc7TN283fLuNzLnn202UnFvcn57nb97v5H4XnUdyv0mpKfTvDh2+yeLzWO53sYw\/PY8Pvd9FURi\/Tex5LvdHb97vg\/jSsf\/UkySP699nhjrF\/Xkq8ksOuF\/k7+P83Mn404h+PfB+kX9s0nC\/MTktxYHrJ\/OP4\/Q8C\/JPRH6HrF8s9+duXH\/rZPyHyF\/kl9holH9sx\/sPln\/i4lF\/EzPq78HrnyTxOH6fH6E\/sn4uG82PNfnA4cvypVEWxG9zQ7+ul2\/rqbCuWnx9PPDf9PFAHET3yuO+emjpof\/9T+f\/UCzxMOvGQXXFclU9P6nu7bPc6DlkXTXbrf9vPlhl8iUP7Ivv+Qy+jXP5jN08l+\/AZ9TXo25Xw45h07tfbNyfPUZ6svjZKH+mt\/CAOBbwi42V6K0iY6KBGjl3OmbUsHGJv\/fzXdPZo4r9tKjLPTq2Y3jjMY\/jUVPhLClu6DpSHxfhbIAKR3JJz8uXJtDePzuDS94cz3ja8XD5GQ5iWj+Uv\/Fs\/fMTVsOxCXV1X15Nlm1dDeWODjs+PoDa2WmodXlXNnTF8+MLxw+en8rGH9AhO+83nnJfn7+440Cy8nEdZ\/rxSKN5QbpHQeiVI8+iZ0cCvtn+3BzVvjm6\/ePGb49u3x3Vvju6fX9U+\/7o9uOj2o9fHjn3iia+2XvVfHy2Ph0feLx3AHQKxrtgbcdNtWo+HtfXd+tTwN7JMT+rZlp2Q1E1w+MZnwxGfrecqap5KZnNUzYu5DCRX+NUEdWVd1WPEzTfOFKk7QYchNE80sEYq0UznhtSqK59wKmcZYkz5uSkzrePDxkoYDx04yEi4\/mN+GByfYmfO+5ZXz9wzGEnux3OtifIxzPJ0DYOSZyH04QGktz15dDRr+T6aN2nbTjIcdrWV5OARvq2o4Os2qZ88xgivlLEvRHWhvkr\/YQA06wWW0Ht2H7v5ejQQ\/v924n9\/G1y\/QNJ9NB++i80v35y\/YFj1GH93uw+U7ubXP9c1gVOiaEwPdrnq409nDjoh3BEUTihb2vsF6SAF0EZ6fQt0smxiY\/lo2j7u2jniTldO44L5rlxMNLlMKNjxcgnlZ2iU8eqpqjlhOSfWzpId1YsztSP5TAvO5x9uD4ieaDhzF4sGzvJ+6tJNrnOtq+id6PJYeejth9fPR21bW+HdrleljfGYnHu5OZVN0U3NvjsKJ6Puropumcn8JgoUslhQHf3IT2iDh05yJBXDx0dFqV4tR7x70M1G+ZEh0UTNcfxvlcT4qWIrSIwvHU\/hhnOra1utpHLjlb9nkYFYbN85OwzXmY+1NFurzo0crcKmlNU8M8teeRq2qtl0X2Unt+3q35omzP116aiI44\/kF4coX7J5Dp5qX7mi6jfB5w2fbD2GRz6+u+jfb3b2ao9SPu2zoLbVEJ\/sBLaU5Twf9zeVlM67+yhDGfE\/1AVi+pkBUwn1+k\/i\/9zOBD2397\/JQdp4NZRipsaGB+sge4UDfxLW9eqa4vQ6Q\/lp2raqm8ryhf4j8O1L55QvvVc++yB2vfAB3\/v1b+f2n5gRP81AH\/5AIwzQk9zff4Uxfuu6oeuuuEvr8EZs+ELQD781\/9p1U\/Fqm7P1O+74qmqD9dAj\/OX\/ykC8Fft+3W0Lz5F+76nr4eiqEvHETeh6z8Xd21\/pn6s7squKj7X77nJod\/K8Cqp8+d2WtTV8Hiw4r20gX9xxfM7W81OzDsO17zkFM173\/bLaihqhZO2+57O1eb+fiyqrr2pztR\/L5vHI7TvJc76GnX\/Dfxe+hkJx7RYLFch0\/lv7bxomrK\/WXV3Z+pDuxrm6pvbrpp+tg5+TXz\/2RPfz9C\/7CTUVwzFNtr7bnVTrPPdb7riRv1hUXVfgnf5mvb+06e9L\/Tv8HQ3P0X\/fqIC0jPO+YfVAir4p2Z2DOjbTbX8w8LuV9R3BOr7AmyLOanw8admtqK8t6g3aefv5sXH4kz9vmju6mJW9vPPTXj\/UanHy0To31IJ97b6Vu5xhPqZz1S\/EiogvZPmfWw\/nqm\/zIuKSm6fm\/t+ZVz+hTMPYz+v4DZf3Yz1NvXtvFI\/VM1cKOdfqnJoisXnOsCv2e+\/ug66L1VvK5qqLs7UT\/OqrpbLqjkm79itfP+YvOMrAPyVAeBJZY8PbV106rboFqHaUd5XdV2eqQ\/LAnvy\/v+Lu18Zl2O2GoTvtDvR78Vfosr74XHWlI9n6htCg0V9TNr7lWr5V9thsEv5LmTP3wV2tr7cE7zveYhf44sIvw8be1\/dK\/zs+YrVzbuqoWdNduw9PFPjtkP1m82nJn779ubh6bzohucbh6WnlxrY3z\/\/kj2X0HeFrdfSbS4mPmADrxZ3B+vkrq\/mk93I9FWBcCT\/MW6QnvG3Tp9h0\/S0rGtsSMZXt1afVENDuWlX+GZp+rRfTxZzX8926+m9efmp5cf3jI\/O6QC\/87imZ9ai80Q5cx4r684z+tNrk5xnKjvPNX2onTmn00fPs5dfFLdu1BpznuuU2szO1626562izfSwNvOIbnXnptb5udkeabqzzfjNNk3mz+kgOn\/ud8\/eSZvn5phWjTun5\/LT7VZ3zx4SdW9L1Plzp+LkPH9loLl6tkjp3ibpr\/ZhdKcYdmLP6XTZsYt0x6jz3aN+9mjpqpmuXST+4Eerw4OtET+Wbc8TurmumvWtdVnM6EthPxm54dHIDZ8sPdLs6JHYR3s1Sd3bD5UX031d+7cficXzHbiZO6Xb0Snd714MvPhU9TJsy4ONqROM30YZD5p+ubi+HMpPG\/GoknBE99Fzt5GdXMdRpBaXF3Ths8ublp70oid940iup0p3+WnQRTOdt93VBM\/L\/HX9aMk71XHo5kcaQrPPH+Pc9pK3xXSgL26ePXseZ1aHMDAbwgML8sXTr\/ru8I3S0htu\/7as6zPVlX1b806jbGwry0ye3NzENr+l\/3bd\/RM5RnqmBG5Rylbhfpd7tbNPeQZBLhNMc6aKm3Y1KBftvkm++1lusvTFwfGu6\/irnOUys\/ey7W9mlsujvZevv2j5zZa3vzZ573jli71\/xSeJ5GnB9aONrz9K9G27agaEOv7Ocvoqczy+s\/FEEZZ9aNVtVdOkKSaun1Q6CRksiqGrPh0IDSI6aC1ZQ4PIbkAD+uCLQgP5fuebx61vF96Q0A1\/Tet28B8ntMfjEE+Nkw6eeZBFNZvRqv21mZUdQdAdjmjdSpa+3oqnVYpfb8Qm7vVGEsy1vafF3dFQBzmhqSRBS97tcosfAo\/AbdytAyOp02Q7qZvfv4t1tPEgWbW8mkgLZyL3FYvo77xAf4\/+joep\/h6pVVMN\/ToMznUX62n0PBvZ6HUavmuXzmHw7Nv9qF\/0TlAvF3EeYV8Ek\/ui3lrZF0II4hyDwN1BQjCvC4FXOMjAiAz8bhmY12UgaZQJ4e1kEYha7hWBUf\/5f9e6faAg7OuCWGvpgQphD1QIa5PPE0cwsIM04g3TSuP9puUPNi2\/x7T8CabljzatOPlM00rjL2Fafo9p+d2mZUUG+W4ZvGVabsu0TheBmNZeEVgyrfxIQdjXBfHStIKfSXcLwx7kZ4JhnSyMYFh7hQE\/kx5hXiZK99uXO9i+3B77cifYlzvavrLsM+3rpRROMjC3x8DcbgN7QwjmQCEEEztdCgFUfSkp2Nel8NK6nEjC5LtF8YZ59fGWeZ0mCPxRNR+vJjVdv40U90rGkcGZ\/BiLc\/l+i7MHW5zdY3F2j8UFB+Z2SNi+aXG92bQ3s0FTnmhwL4Sw5cHcUQpn95id3W12PihbtlsU5iBlC1Z3oix2adtoh3uF46Ft2ZHSsa9LZ3+w2yOgt6zRbVnj6coyWt\/rypIdY3yp2W985mDjM3uMz5xgfOZY44vt5xrfCyF8hvGZPcZnXs\/X4t2SeMv2tvO1zxBFMLXXRREfKQr7uij2W1qyWxz2IHGMlnayOEZLe10cyRGWZqNXOJHoYEuL9lhadAKwjI4Glib7XFLkpRhOwlTRHiuLjkeW0fHI8jPEIHb2xcRgXxfDcZxIdDwncroogo0dJorNgsmvRJujWqH+tpKN3q+T5u\/bB+KVp1Vf1o+qLOj0Kpxv9UDP09bFtJydSIzLAA5jxr2lLwne2G24ufUGH3xRZpweGrlt66oNRPjjsxO86vK+rF9Q4+sp3W3U8Mp+8qyud9dVM67rpRnX9egnVfU81\/SMSfbX9HAtoaVoj36NXndPp8Y5qiKi+Mm\/Htp1uPy13s2b3We5dE6\/HNw1Ln6tY\/tWx9b7MG\/59dDOw+Wvde\/e6t7RViDqHL8c2jVf\/FrHfnfH6+JxULKxX+pwb8\/rCD927XdWg+Fvz9jd7vbu2KMW\/HCn\/xZN9sOJVPra2dW4TYx72b936oY6eZ7CicGsHbpJN+pqO0RwL8MKrd6jVdKDOAmjvI7HE1ad2RbC1vDm1bCxhUvb3S7Moob\/uvTM29LzficWk82dBwjPbAjPbwrPrQdubEpn2B8nP05taBNPGka6IUHrDpagTU6XoH1bgqQZLyW4fijgABnaF+S4yDDZ3BaIg9SPk6ENjlB8UWqJKQgyDJzaATKM\/ekydAfYcBTtEuL62bIDhOi2z39dC3GD9OOz7I+ToVQrnB9Hem1HER4uwexNO94N7LbOW92ETOVQVHW\/AYP6W70oh3lLmK5fLRZF9wgwNsyrXt1Wd6uuVA9t95GeXZCPL5evnQStCjqUtKjVj8Ww6opa\/aHohjk9GdH0Z4zssMe4nFGKUTTqvdvYRqMz3huB00wLNSv76q4RMNTe3vblcK7+SOdYyiebOwp6tSw73P477KhYrtFVVT6ofrXo1ziL9yDQzoNz9X7XLJpZ6IMbP1NNO6hidl9Ny3Ng0eX1h3bVTcv+3bO5\/ma5uqmrqZq1i6Jqfvs79V1oqGyKLqA97IigcX5ftzdFrX6u+o+9+qauq6KZluo3VV1jEzUd28mdk4789lxwMK\/krlNnq+WrZ4RDE\/4f\"><figcaption class=\"nx-fk-cap\"><span>Sixteen assets at real towns, and the share of portfolio value in the most exposed places.<\/span><span data-honesty=\"true\">Hypothetical assets and design scores, not advice.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A02\/chapters\/housing-and-property-finance\/#map\" data-nxf-title=\"Banking Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-the-chapter\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The chapter<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">What Housing and Property Finance covers.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Members<\/h3><p class=\"nx-p nx-mt-1\">Specialists who work on the chapter's questions.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Group<\/h3><p class=\"nx-p nx-mt-1\">A moderated group, opened when its hosting and terms are in place.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Editor<\/h3><p class=\"nx-p nx-mt-1\">A named editor responsible for the chapter's pages.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Research agenda<\/h3><p class=\"nx-p nx-mt-1\">Questions the chapter works on, starting from <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/housing-property-finance\/\">its cornerstone topic<\/a>.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"search\" data-nxf-kind=\"search\" data-nxf-resource=\"nexus:\/\/gra\/A02\/chapters\/housing-and-property-finance\/#search\" data-nxf-title=\"Find a group\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-sec-pg-nx-gra-a02-ch-housing\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Housing finance<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Mortgages, insurance and hazard on one map.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Mortgage books are the largest geographic exposure most banks hold. Flood, wildfire and coastal hazard reach them through collateral value, borrower affordability and insurance availability. Borrower-based macroprudential tools such as loan-to-value limits interact with hazard: a falling value in a flood zone raises loan-to-value without any new lending. Topic depth at <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/housing-property-finance\/\">housing and property finance<\/a>.<\/p><\/div><\/div><\/section><section id=\"nx-sec-join\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Join<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Take part.<\/h2><p class=\"nx-lede\">Write to <a class=\"nx-link\" href=\"mailto:contact@globalriskalliance.com?subject=Housing%20and%20Property%20Finance%3A%20chapter\">contact@globalriskalliance.com<\/a>. The acknowledgement gives a reference and names the next step.<\/p><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Loan-to-value ratio<\/td><td data-label=\"Definition\">The loan amount as a share of the property's value at origination.<\/td><\/tr><tr><td data-label=\"Term\">Borrower-based measure<\/td><td data-label=\"Definition\">A macroprudential limit on lending terms, such as loan-to-value or debt-service-to-income caps.<\/td><\/tr><tr><td data-label=\"Term\">Debt-service-to-income ratio<\/td><td data-label=\"Definition\">A borrower's debt payments as a share of income.<\/td><\/tr><tr><td data-label=\"Term\">Chapter<\/td><td data-label=\"Definition\">In the Nexus network, a specialist sub-community inside a platform with its own group, editor and research agenda; it can become its own platform only by meeting the published graduation rule.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where this page's references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/www.bis.org\/bcbs\/publ\/d532.htm\" target=\"_blank\" rel=\"noopener\">BCBS Principles for the effective management and supervision of climate-related financial risks (2022)<\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-10-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Can a chapter become its own platform?<\/summary><div class=\"nx-answer\">Yes, by meeting the ten-point graduation rule.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-11\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-11\" class=\"nx-h3 nx-mt-2\">Around Banking Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/trade-and-supply-chain-finance\/\">Trade and Supply Chain Finance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/financial-services-risk-management\/\">Financial Services Risk Management <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/islamic-finance-and-takaful\/\">Islamic Finance and Takaful <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/\">Banking Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/banking-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-12\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Banking Nexus<\/span><h2 id=\"nx-close-12\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Banking%20Nexus%3A%20Housing%20and%20Property%20Finance\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/housing-and-property-finance\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/housing-and-property-finance\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can a chapter become its own platform?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, by meeting the ten-point graduation rule.\"}}]},{\"@type\":\"DefinedTermSet\",\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/housing-and-property-finance\/#terms\",\"name\":\"Key terms: Housing and Property Finance\",\"inLanguage\":\"en\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/housing-and-property-finance\/#webpage\"},\"hasDefinedTerm\":[{\"@type\":\"DefinedTerm\",\"name\":\"Loan-to-value ratio\",\"description\":\"The loan amount as a share of the property's value at origination.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/housing-and-property-finance\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Borrower-based measure\",\"description\":\"A macroprudential limit on lending terms, such as loan-to-value or debt-service-to-income caps.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/housing-and-property-finance\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Debt-service-to-income ratio\",\"description\":\"A borrower's debt payments as a share of income.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/chapters\/housing-and-property-finance\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Chapter\",\"description\":\"In the Nexus network, a specialist sub-community inside a platform with its own group, editor and research agenda; 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