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D\/zTqo\/7j09PJGwbapz9+enrdZgE\/1soiarLCUDxzO6As4antlUWRHVDbwoHuAfDeG1frpRPwJ2dsuJMTTZ6jVgEKEoxp52qV0tbPe+gDuXdh8cGgoChmpwWs3axyM6d2pkDvTp5TsYRWsHw72qtgef2sHH0v850DqkUUWRkbUgiosiUvZ8oWfA60o9ZfQ1cntzG8vCUdNyTjvFEyjlvERjgVt1XirmBAOQR\/nExEnPOikVs0Mp1daA1v7S8TKh8AQGbWUSu5VFveL5hZXmyuiKUL9xi8MHNH1jY3IW4jh\/HKUcCX5c6dMJ7oieJIBa3sXjGDZNSgtIzywcZBMt5JnSVdgGKjfMXGW7Ta3CFL2OTvbe6x8GRtc9\/UNjdwJ7W7IeJ0rMJMEHF6o7Y3RJzACATDr4w45WD6pcr0i1upMv1SZfqJVlqafhEHDtCGQFDdSe1tuaMm3OuH6GOeOJMwDjCq6WUCApt84sy7ifbntlmko+MHtcYykV5E6Gq7Hfaf8cg2WgfJY0x6rVKCT5w5dWtPtByxFMkRyygr5Qw8DWg34tk6qAzFgCX9UDlQAzAUg1cdp\/1TEbvag4ShGs1Dj5XSGn3QGocsdyKWOylzXp9QNue\/Wm0WsNx5YLkjIYSllME5+wUrtA6Y13TAvahfcL8Yll3zuVVMgH0qHgqT\/woXCTajfkFjM5+RHonFiLi1YoVkMkvA0xTGk2NCu8sXqTOPyFvqbsUrM\/JlWDf+Dk2mwz61rqmO4lTzbnUKU7UB1k\/uNZrzZo2mws\/8er1ZVdAc1C2btWw\/iePazPxqaosOxtHUBBbH+kHpC6iJf9Zq+GfQx5TpvI13uxnrv+fHx51j4hKicf4C\/epxbgBXwlawwOvWyT72N7P\/tMod1ICmXqTgnCslixa0MExSEY5ilQQEPlEYuGUpRLT8Sq3KnQf7xFj2mmL1+s2aHZ4G4fxgMY3ijJOxlDP36Ojx8dF5fO0k6eio8\/PPPx8txnIakQP0f3Lt\/nxUiDiDnCuv8vRiTlUQzs+IwYkhb2b59zjxoydFOvSiqMaOv2+G\/d8cl2H\/120j7H+CYf+TvxH2\/3VPjJ9FWL0rmM9UIL9bZEZ+z72tcG7SwMxzZBwYzs3Khw5lQx6ph2WHMr98aO\/0d8OAhiaQVBHdiaLKYcUJstbEYAR+a6g3f\/KXQ7j4hrfALGLSy1on7qRwaqiqpcq66fmt\/3KHEADf2Bj1DrbiCcmuiPAziRI\/0n0R42czKJoiyqipBKE3KnCzxcKgkihmlZcwUc2ionIgqnlYbmZUaLgLGGjhWIj2N1ornVvRlzTDl6Gp+UK0MhzsDlbNahGhrEXsuSlR5qWNXNd\/54bBlcTwnMS1AK2\/wHnOMXLmL3E+c4ibsdSd60hWxTIg2S74eywj8z0pRVpjGN+kmdtoeZhGCYzj5xMmymdMGmIp\/xgP4ZDEkuW8Vf6OcPdGvN2NquzECDBbpFGHsZUy2Y8GtJtXyk2uijD5jHOe0lXOU1sl7AaomDQkYbc6lB2zuPWGspD\/aqUsZ6L1mr2mlVLYBEmhfQUQsAktHHigpOCknKWfp5WSXw3oelDTVXpfUmYMZGWXJmxiYNa0VcFzAbOZl062QmYxhsyEDovpcJ+rCOelKbNxEgsVItxKLcg2sxQyj2BSQlYkJdiNr22mJGSRei3RbzRsnGwjzJsFRBF9YE0Kkoc12XSGqf1c4JZNILsDNsWx82Zt5rplsp5ybcUlFXfaYHg0ddxhkj67MiFqkhsLI2xycEL+H63LloiSqaecDGDFtTf90idglHYUpp9Te8MHQ9R5pf\/O7PfBEq9Sutm5gdqrmj4RiEh6GmeHp9nMi+uqz2QWtubkQEHAyaT4LWOu8INKkfbXKY0IOjkj4KbJ41D2dvWaF69CK\/NNSFewLW\/ni4EGIQhTlQbvOUGYPj2RYeRJAinxqn6UJAE0sDwHfxbhZL2MblkM8yjYN4k97ELpespg34INrGJPikYIZ2EUaQCwkQJRv4E9n4YHBp0VaDz9\/Sg8M5qCfxGzTjdGrxbysraQfhLl01hZ6lmSSi054LSCHAsvODuV6RlkwefIUVPe7qaVrZcWUjPCMwks4BH2UiGNuIcKbCwGtMa9WKW4RiAOe3G\/Mzhr94iX+SIOIELukkAYD7hD9B88uKAdf5FOh5la+hd1mxCbpWpRIieDxb4VkSfDuTjIwj9FDUtdYfPDUzk+yPxkJjh6TNWC+EmklgMhRhhsK3LifNo7VC3ifKoX5BCXOsDTE9YGMkL38PQhlxLOTy1hCPWgRwFYNY6Mkc4O7RCBVG3PNMhyfEbWcK4DfqdnWKJW6yEJlmfEWCzlaN1asUR7YOEoCXYkU2JbCa7J4YGhtyiAkgKggyLfgpM2OYCkDY6RML3KIhK+FAHXu+UQukziniYCP09TEUsTV2prJM6wHLUYcIiYLuqxk8IJWEM2wFbUTUpoq5eJRkfO2928ot3cdBHlAwYSHfyDWX8Ccx2wIc\/0gZqeztaAAD9JlEHZy9yVdLM1\/E+IMol8bg2d7LF3eBpuEOFjQUoKPmiFyNy5o9XMhk7qxZPylE8j54AWisRV622+M3EevLSXSWsIP8w0BixgQ8en7tABFvQXeJN64SWsaejUmSGW1Jyo0AKnm009OAR8in\/PiEIV\/NYdqGKYlibagMD89mxFPXtdC\/Ov1Q6dbG7gV89yXi7T3CDCoeM3NPar1r7ZHDiArzZrUNus1W+9VwsxKkFdqKMeiyoGgY+FaABdXjMjqXmh3mb4UDTTxpwJllBgQWfmsa5bQzIcngZRHZQAPBl7jyApnQvOCHXhgBF4Tc5OA4nLKNTJCfB8yLPTAJYNXAkGq0lyzfug3MA6uCLKhanID4rrs4KyTjFIcFY4WcqjSqoiMmf8Sds8uxWZHXL5JWTvmURfjXlRx3I4rw+Ih49TUbBWTQDby+qphbXJgTfywjiTcMTOeaiW+wz7rhj0mZodTmWsgdXVSgkAASLSQr2CJ6VIHBaTaOqgEpAe2dyAjb2fhjVOCBPx97NCc7ovhubhb0Lz8CJoHl4OzTMAqP6CcDi8UsnQ5G04HIpUxH5NPSmoeWsDmsLd3IVKuKuteNhMCmWBCYzaqE3z2p6JKPfGhBPfO7TjUouuK\/pqY\/6dTh\/2dXr8lzo9BF7ypuQlQcFH3jTwkdeDBtxvcBIsKrf1u0b3CXpjDPeJTEajSLCUH57mG\/w1EiNw552hinx4GoVN1S2p5h4r8KJQC8PyBCzqOHJLx4m4BB0n4IfPMK1Clwbl1U9yzB8t5V0Df8Q2pM7EsczdVGOnRY+bCorW5w9rOzFS+xAV7WzszURP\/4V81uw7KSUClBWv4EOxmNh1CnIIsGRbYHc1at91S1EsCajclVxSS6aJpTIT5xuKusIq2PiZUPZj5CTxlvWo8K1REtQ0+0bzpYDHipzh5F\/NurmuqlNxYGC5IpaChFMsyUEYYoqU5CuUNO6lZEHk3koGgs\/9JJmWR+6FZIoE3XeSicx3p2wIl5G475m+L8MVkg2n0v2TRWHs\/sqiZJS5UjLwgbueZOhCdn9hceiLa2\/hppKJyH1k2Xzk\/oOBf8n9J4Pgy2f4mUsGcUb3X9CbcM+hnzRzr+HguCfdO8nKuId7I5n2aLrfJUMnmvtNMvDZuJlkk1l4kQRL9wqbReJ9mkzdfyuV\/b95nywII0vCCHpCCCPKCUIY8aHGhypwpyw68N8xNIZfS\/gFMYTyhAdRAZSh5Eet3u\/Bq9+d3u+BbfVc0W\/ZA\/hNe0ejsFvyDF9uHxmlzhTvfRnK6pKInudMvZk+B0rd\/qBiO5\/NA6ydVnWdQ6t+ScrHGntqdzeu4qkuzBlKVuZVl+f7vX5s20WM3hLFiVaH0H5noA65lhfuCOfVUcigqDA5a0MZNyakr7ZunwB\/XM5eU6qvnWiuM93Wb186MVyT\/u8BG6iFeXU02jlTtmuWekqKpb4Hp3O5SqK83gNO+p62e1E1NINLiAh1IxPyZM\/qNwC7RQ4l8HFJAPoIcLw1Ml3XyWZcOkrh3oCSgvT9Rug1ZSlfrVkO\/0UsKLOtRkLeJom8SQLRqz1Z+rhCwsNe6MBtRnPxLhJTEUtVMUFbGgNn6oS5A8fxQHe1EkpXE55Ad+dSpuFDDoektP+SPj011mjuSNWp0AyjiCJd3qELIknPo8gifdXHQItIFRDIagEBlUGR9aPBjuGZz1dr4wqD\/65dYaBiRtuv\/zdcaoDndctbOfw+FA74fL1O+8MBV4cG4M2xl20OLGNC6SqHdtgEXIqXSSxFLNdruEomFumH++sr7mFyS3FQYAMJ1mG\/8otM7EMyOKRPTzsaVTJFt4Sel7hWSwf92XQFd13pB2s1S8VcxPLOT5MockGylddWfaSrtTp\/KZxUBLkvajS24MIJzCDLm+O2i0V4g82i1vgaro759PL1\/bS1vlf8Uz8asM\/8atcaz3ja\/4x5QjO62rfWYw6LyEabXY0pu+Oz\/hj7GJk3sdzVb2mBx1FxKtaHI5bsAv6OEN2XekDO+UVx29DKKKeraxVTWonIvWKedMfs3L1kF0zOIne0pt0rJ6vBxe4oXvWC0bX+54EBjUohvzJpi93wRGI7ys7h53cE66YC69wE68Z80L1\/34ARekfiYOfuDbtwzxHU7wiqMTKH1xHQIglLOCKWIjUOD9SnplYP26AYBsUKp\/nDdQmWQUa3kOtYRjuBQqHpLV3d8o9KC+JGTMj62LqlRwvK3vLP0rqvVOwPvN39cFqM0P1QEMY7ft3\/MGBfi+AjlH3h7e6X03dOedr0C7T+qrDzzjnvfxnY1jvnov9l0FKP9NVbjIO+UzGE1TtHRDUs3cMtS+8cQOFbaeEP9lUnpGHjGoreOZ5kxisfq1cUqu5P8eq177nI5HkcTiEqFb9PvamwVBrwjpoSkR82Qm6w5pKJ6YMI4G4f3PpuzNB54q7WLBOREgfjRMsFPLUHVX42VyWzeKR+ZPPRp1w3G0MqhUih5bo8tlbnY8TRXrNwBg5C0L9LIQmJrCsL7gBS3fSzAa89QfYJVSszpOuucMQ0lBvvKyfv1mvles95uzs\/9Us1AVYbOKbfnw+gV8Ubl8AboRgM\/2wGZe+Aj1qxeDy4zDOZTNUziRfucNIidsZWgZBeGLlD9pA\/PEQiUzsKVO8kE4FmvrURusL5bsBvXHNSx1qGs\/3uvaAt8FzVPBN13DCfroQKQQFmh90il2Lr\/UrYQB\/k0M60sCmQuOTt7vJ0XiBxiRusvxxsbH7T3iJMK1DYroHFzwmlnBdq1pCWcTtlllEtlPaDG4WBSJsgvubt7vXpooD4GiGW1qJ\/PWBDWl5asafvx7GI\/4\/u2q31fcXb3atKpF1B35\/6VwNHG\/D4u1k7gk4J\/YHzDJOkh8gacZ2AtC3ij714BAF68CS7GcNgrDtcU6Sdkdik\/lLRLZe5FN9DtyqFl8EPsEkeL6AI7QN+MUWYjHEIcspvJJXKfUuYr\/XFly+2YUHAeP84YugVLRSkotSRIoMDnEp92EUWQBNNhIy4V+ljQ5DXXVCbYgBhBxqNiFR1sniXWgd5CwZi3Qy1rHkpHsfSmrMhW5XsOshT1\/KVzyrIU4ZCtizBpzXtTizaHUlrTouMQLAVitxs\/oO+E\/YjtM4ETuLTA6ZApCxRxoBwELQ6neXIQdbqMla6Aq7Y1IdVfwt0aSdLpqIqLyd4MHfCrOojHq0pXD4GPKA7BCYM6bTClxbV5oli9Em3BDMVw1RkY8vHW37UHWhrtkqTRF576SiMXfK63Z4tDtqzBVlTJ1FAwmWe5ct8C2CYXsL7SS\/ptwe9rNcfgE3ke9KCApYpk0r9l7FhcT+hzuLOek1U0M8Gbubqu+\/g6kgrp3sFlNpheR+E1IAt+PNkBC2rDfDDsn6xCmjv5bPaB4bRv3D8CM6l\/wrOFvX+tdG+IHtrwZbWNVtQ3A7d6obhWwGR+4IGFHXUyyzjZuLCMjTGhL7KfOKsFVG4GEbjNeK4MwK68r3YF9GG3hNg8n2jSmSMCZZDRTCou6xgP7X1LkKRswYnRo1MSo1qYsC9y+JRptqA0NrRpWzrHI\/PMzgas8d6ZnPuF54Ol9B+W7l5lhxkfNTzOVe\/nCCcohhRT2Gg5tEtrLlxInXjcSKNxvBUa3yttPkuKvhZcW2UOYzaGku6usYdqkyXJV3hVBo4exJX6j\/qwdgwFdNkLhraon692N3dGHPUXtgfNMYOr3d3GITTl3cIjbHDhoWDYAahmPybPJLGAWtZGIQttxSddYV32QQs6mURYc2LruGXO4DXL8ORZsebzaLltZdOMj5BhRFg2iHNFK2VQ3LOs+ImjHJkU31T5KSJClvwYXGDODLLufqzCsKpm7EwcMtX1yi1ChVIQUVY1dAEJQy0GZLkqS9cyOrNQ0ia7QJdz3cK5zosjUCoPWapfbNjzxBca2vem5d1c12uPTOabeEbfF6bGcJnTgy62TchGc62pgP7sLyAvFAf00L1RPFpSKTi1gpfhb3wRDk5zWSaxCOMqxUVKjShy9UNchCt1C9AiH5D9fNrYc6lccJIhTmXg+5cZxwQ21oYiQU6nLSo5RQQnZagW+4LiWF7eL+evoDTWTSmG8xVcgcmGuDU4kQWuJhpNGARvjmDmIzhzZt3S\/SaLLMmwdgnnjrJcJgJ\/XxVPn\/A0EVXHUTK7M4b+9PZdeukl7U+tTpvXChhMz60O2\/Q1WVfnRU9qzdbJ3Q148PWVatzvE6dTC4j4ZQBDl67wsoQ6mVa7Qn7TKlNZgu2q36m6inRNHfebGOja\/kCXg7j0SVCeKsUNHzLyjTYX1ugzAwlKwp+a\/lwdpgNC6J+n6R\/bQQ259kzo89xTD20PXcwcnR0zOYwtALAnjsqjnR0rGEZh4G4NzcZ7q90Y0Oh6l\/xTquKL1Qawlw2fb1gQ1hUZsU0BF8yEy9o6S2IvqEy5eIs7jXnS5c3klK81x1ud6fUbUPUJH0Fd\/+XXyo4pjb5D9KVO02eGC7R0HzRo7S8ZWiP4iPH+fQBVJ9gf7thGEUDIzauTn1EtRMfERyYqcGGJdIb3XhTgR9zeBTppZcJC+WuzmnvQWjQhcBhrk6UqIxKuBQvqF2IF\/STTQkNEcRcG6G\/yMKQ+1V4k2u8dqn6ckEPdFtdgXy7cl+Oakm820jAYG6\/ljZmokIlj3gNeSNePx6wlAvHj5IMDFrtUyNwWbzYoUiqJKVi8dJe6nz7NpzcJaly3eFt8EjsUT8f0FUs4VaBfo73J+JfNKfUaY\/ibf1HexXIMIxAdyZ2PqhsItTV6971oPK8wygB+r5LtMUbzkrpyIskCEUGai+It3qUIuXnaeotjRvE8ciHvjhcySy8oKBhAcb9IhkJSDXirQ4LjCBSXr8HG5znQaOeDmnIQHoeHFjGRpDM8hFCjV18bNL\/klQSFu9Jq9Z63P4OdM41qozRafkpDpALSSorkydkSZFJG+oU2sjMp410XJxPepOmKWZzTANmYNFmexpon6JmPkM4o6x\/+8WtumF2491Yc9orVS0nws+xXKo0BkuX+5S6qu2S9lodd95aFnx28SrWN9OolUprK4W8WcTB5TiMAiuFIJ9BX2GNMZvU1TMfkHJcvIituqZMZWvHW4naOV7eb8X9tNmOg\/goKjUHRG9A\/MwInAftgUBx8yowXdy\/R8+AAUCPWvL8UGxSYfNOsRVlAxPQIeA9TEDZz4ohBs86+xATmHBT8\/hNeLs7qU6ATvDkVn9S9\/gVFgI1t\/hDjTOOdhg4eJEeIo7FELCBve9V93EX3\/kpDOP\/NXinWifRsE4CEKrfeMJN3x8U38rI+28GtdvAu1uSKdg6i5jwAOVTaZ2jd6oKxR3TVaRPmOmNAG6j8ibwBPgq0Gesw3GY2uXm6MJyczgbCek2bt4\/xivHM8KGbt5\/jQ+kp7iq3ia6S6iltAd\/XLOIzWSG2Q0lBssF+bKxJ2ZSeR\/jjRjdwY13gyfhT3ms7tat1gOeO4N19bWFTldUW0VoFopvqk8sqPwCPMldfv7nVFf24r5QXzlwY\/UJBs3sLa+lq9oDemTp5lUZfrymBEn3YVu6k1ZZBF\/dKRHRj41bhDtGCsZs60sz\/4YjR40Eu8hAgcv3tFhCi27dXtPcoNmdN+X6HlHtxYuAlrasen2ojXY34opG0hOrGQUPVgrfzVK321LNSHYBrY6lKqaCwPSDgT4S\/iDh00ETiPxnO99fDElxA0bUixqksFbXIPel3GzqrrBh7ZqwYd8fOCAfYkxl0XhQPB7qKiVPOVCTBgfqF3Dazgcs3viK2JIa7s2J3q7QUmVasj+tJcPHIVV\/\/QGtNKa8sHSDxM8hl8bxU+HJIrPm5s5quJHguN1uH+ExxhID3cXGAmJuW7upYlkq5NWhaziku3HZdq5OVy8p\/tvqBkLyr53jhgH0QUQ9WSAtU6QuimveryGPyIrZhLordBu4f1oxy3o1fpRR2svc8sHVmiBDsTJBv7EARxcYbXiHAd5ncE3XsoiBqbt0V0iKbsAWbmzmaL2vMa8XbqWYruKNOet9xMoNtZaFPWjRbjMwz+2ahbroyID2fwrtFoLLOpXrAM4GgDM7GR5cRMlDL3bBrICfFuj6K9BrXW9dWH3NdGYRDy2AL7dXukIFGL7cXlmCgs8iFUOed1MHrgmJEi+AD1Y5KZxXiJNkJmKRkm7hUICod+QtuVIwu+WQcB6mrl9B134U+uDZyoS8D6ciyaXpbQeIUjFPJgZEOS5DauxoMLJ37O+UrtfsTbtdsna0wlUcvfpWmnLaG98zrH84pJaPVykS24l6alX0\/oqNLyDGxhcQ4wKWoz5hv8cDHVsUtAcZ0aL+ccNDQg6Va0usqb4ZmBFa\/v49BuXw99jIVZ8YOlJ\/oL7ZAz\/AlJEfhBf09F\/lXWsrmyMruKiyHvOa9Zgqxpb345qO5sg0nFqUrj1Vn1YW\/jO6sTFStGWnBkWSjfruUgSjIog1lUCfEy0r+\/jtN4QjbDS1wM54egr3TSCgDZ8+iupHaqMkFpgRicfn8Wjttmh6RcAj4zXX6L2IZi\/cpAO+0okof7SKTGX9CDf9e2CpEkaSmeeHEn7Bu63qUbc16pNYtobeNIzKJzwUq38\/FlnQkYDMaribwAfTkZGZF8aylaRwZmSwcfQgbjh6MBISzK9ciuAO9r8VgxsAr4DZUIHTmgoc2Dzth+oTAhEsWPHlrl\/Ac2RBHbVJF92sUclUuGYr+D7RpS4UdckaPvG1wZqRJRHwFBTHYvUpfwduaPrFg8TVrRk0mEZPT5JuA0laeIrMm8EnH8EA6Hqb\/iC4Vwgkw24xTrde0gSg+UiiHJCvjul2yyKZvWyqCrCtijL+Tc0CLx2AKy4aISOddvs\/GqrL3Pod9Xo1kHhdPNupNiDcczQOpSA4xTDORCovBNzxZGXMc4Zhmknk55WGLh4Pvl5f3Yk09KLwT5FaFD9vgg\/3SelzrLbxYksjx9SDqTcS3dRJlFjbCC7nOwWm78VzLyO0m6vV4V4318jncTd3kKZiYDUWOQ4IdYLUe8TBrJS1WRslOXyEM0FZbX6\/U1gRhI8RKJGmpoMbKtH\/BbVZ6nNkbW4I\/cLC2Ytp1AUNApKvcjmErxTYIvaTQHy5\/QhEnsQAfu0jpPWjTRKyDBtVE6TwYTjKU1H7XO\/\/8Vp\/tls\/twZHo5CRlv4OFvpTgeWWzjg\/m\/fwf51LXrjkimw\/EW0m\/O3wcwqe9ibSSlU3a6UF\/o8V2wR6J+pSpSP8OQW5WjD18huvM\/CRKSNyFo9Ag5yBN8n4pidc\/lb0OUO2qHCMv0O6XlMzNJY3Qq\/TFVGhO1AbvVL5I55vcqLuQloRfnw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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-ntd18aum.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-ntd18aum.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-ntd18aum.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-ntd18aum.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-ntd18aum.nxe :where(ul,ol){padding-left:20px}#nxe-ntd18aum.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-ntd18aum.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-ntd18aum.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-ntd18aum.nxe svg{display:none}#nxe-ntd18aum.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-ntd18aum.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-ntd18aum.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=\"dossier\" 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 TOPIC \u00b7 housing-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>Topic dossier \u00b7 Banking Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Housing and property finance<\/h1><p class=\"nx-tagline\">Mortgages and property lending are among the largest exposures on many bank balance sheets, and real estate busts have featured in many banking crises. This page explains how residential and commercial property credit builds risk, how house prices, interest rates and incomes interact, how property shocks propagate through collateral values and construction, and which borrower-based and capital measures authorities use to contain them.<\/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\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Dossier<\/strong><\/span><span class=\"nx-eyebrow\">A02 \u00b7 topic<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">Definition and scope<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">4 mechanisms<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">3<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-field\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Field<\/span><span class=\"nx-register-v\">H3 field plate<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">8<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Pipeline<\/span><span class=\"nx-register-v\">Run graph<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">7<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Decision holders<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-methods\"><span class=\"nx-register-n\">09<\/span><span class=\"nx-register-k\">Methods<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">5<\/span><\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 Established \u00b7 service level R0<\/p><\/div><\/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-sec-field\"><span>02<\/span>Assets on the grid, and the\u2026<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>Climate risk in the book, in outline<\/a><a href=\"#nx-sec-question\"><span>04<\/span>Housing and property finance: how\u2026<\/a><a href=\"#nx-sec-terms\"><span>05<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>06<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>07<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>08<\/span>Where the evidence comes from<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" 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\">Mortgage risk is the risk that borrowers cannot repay housing loans or that falling property values leave lenders exposed. Property lending is among the largest exposures for many banks, and real estate busts have featured in many banking crises. Credit and prices reinforce each other, commercial property is more cyclical, and climate risk sits in the collateral.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" 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\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" 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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\"><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\/topics\/housing-property-finance\/#map\" data-nxf-title=\"Banking Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" 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\">Console<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Climate risk in the book, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-banking-climate\" data-cx=\"banking.climate\" data-variant=\"section\" aria-label=\"Climate risk in the book: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Climate risk in the book<\/h3><p class=\"nx-fk-sub\">Housing and property finance \u00b7 Mortgage book \u00b7 Scenario: delayed transition<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Flood-exposed collateral rising<\/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=\"3\" data-t=\"map\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Collateral and flood hazard<\/h4><p class=\"nx-fk-panel-sub\">geocoded collateral \u00b7 placeholder<\/p><\/div><\/div><div class=\"nx-cx-map\"><svg class=\"nx-cx-svg\" viewBox=\"0 0 480 250\" role=\"img\" aria-label=\"Collateral and flood hazard: schematic on placeholder geography. Illustrative.\" focusable=\"false\"><rect class=\"cx-sea\" width=\"480\" height=\"250\" rx=\"4\"\/><path class=\"cx-land\" d=\"M444 125l-20.4 32.5-9.9 38.3-59.1 25.7-76.2 9.4-80.1 9.1-60.5-29-60.4-19.7-52.3-28.3-30.9-38 60-32.9 43.1-25.3 41.6-26.9 63.8-17.7 72.9 4.6 61.6 16.4 57.1 18.9 58.3 25.3z\"\/><path class=\"cx-haz2\" d=\"M396.8 112.5l-8 25.2-22.5 24.4-43 16.4-40.1-19.7-41.9-14.7-20.6-31.6 11-35.3 45.4-18.1 46.2-14.5 50.5 9.6 19.8 31.3z\"\/><circle class=\"cx-site-hot\" cx=\"223.2\" cy=\"73.3\" r=\"5.5\"\/><circle class=\"cx-site-hot\" cx=\"115.4\" cy=\"50.3\" r=\"7.4\"\/><circle class=\"cx-site-hot\" cx=\"259.1\" cy=\"189.7\" r=\"4.0\"\/><circle class=\"cx-site-hot\" cx=\"280.0\" cy=\"202.7\" r=\"3.7\"\/><circle class=\"cx-node\" cx=\"60.1\" cy=\"201.7\" r=\"3.0\"\/><circle class=\"cx-node\" cx=\"50.0\" cy=\"80.1\" r=\"6.0\"\/><circle class=\"cx-node\" cx=\"241.8\" cy=\"189.9\" r=\"7.6\"\/><circle class=\"cx-node\" cx=\"67.5\" cy=\"80.8\" r=\"7.4\"\/><circle class=\"cx-node\" cx=\"239.4\" cy=\"208.6\" r=\"3.2\"\/><circle class=\"cx-node\" cx=\"411.9\" cy=\"83.3\" r=\"4.4\"\/><circle class=\"cx-node\" cx=\"305.3\" cy=\"164.4\" r=\"4.0\"\/><circle class=\"cx-node\" cx=\"316.7\" cy=\"78.4\" r=\"6.3\"\/><circle class=\"cx-node\" cx=\"247.1\" cy=\"43.0\" r=\"4.7\"\/><circle class=\"cx-node\" cx=\"381.9\" cy=\"74.5\" r=\"7.1\"\/><circle class=\"cx-node\" cx=\"120.8\" cy=\"142.4\" r=\"3.2\"\/><circle class=\"cx-node\" cx=\"51.1\" cy=\"160.6\" r=\"5.5\"\/><text class=\"cx-lbl-s\" x=\"464\" y=\"236\" text-anchor=\"end\">Circle size: exposure value \u00b7 placeholder<\/text><g class=\"cx-north\"><path d=\"M458 30 L463 18 L468 30 Z\"\/><text class=\"cx-lbl-s\" x=\"463\" y=\"42\" text-anchor=\"middle\">N<\/text><\/g><\/svg><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Exposure by hazard band<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-banking-climate-t1\"><table class=\"nx-fk-table\" data-fk-table=\"cx-banking-climate-t1\" aria-label=\"Exposure by hazard band\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Band<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Loans<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">EAD (local m)<\/button><\/th><th scope=\"col\" data-col=\"c3\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">LTV after shock (%)<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-banking-climate:r1-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>High<\/td><td data-num=\"true\" data-sv=\"1840\">1840<\/td><td data-num=\"true\" data-sv=\"150\">150<\/td><td data-num=\"true\" data-sv=\"87\">87<\/td><\/tr><tr data-fk-key=\"cx-banking-climate:r1-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Medium<\/td><td data-num=\"true\" data-sv=\"3004\">3004<\/td><td data-num=\"true\" data-sv=\"181\">181<\/td><td data-num=\"true\" data-sv=\"63\">63<\/td><\/tr><tr data-fk-key=\"cx-banking-climate:r1-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Low<\/td><td data-num=\"true\" data-sv=\"21362\">21,362<\/td><td data-num=\"true\" data-sv=\"2371\">2371<\/td><td data-num=\"true\" data-sv=\"63\">63<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Climate risk in the book: the screen's structure, terms and states for Housing and property finance.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"band\" 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 question<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Housing and property finance: how the risk develops.<\/h2><p class=\"nx-lede\">Mortgage, housing, property and broader credit exposures. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"3\"\/><circle cx=\"19\" cy=\"5\" r=\"2\"\/><circle cx=\"5\" cy=\"19\" r=\"2\"\/><path d=\"M10.4 21.9a10 10 0 0 0 9.941-15.416\"\/><path d=\"M13.5 2.1a10 10 0 0 0-9.841 15.416\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Credit and prices reinforce each other<\/h3><p class=\"nx-p nx-mt-1\">Easier credit raises demand and prices; higher prices raise collateral values and allow more borrowing. The loop runs in reverse in a downturn, and loan-to-value at origination shapes how much loss a lender then absorbs.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Affordability under rising rates<\/h3><p class=\"nx-p nx-mt-1\">Variable-rate and short-fixation mortgages pass rate rises to borrowers quickly. Debt service burdens rise, arrears follow with a lag, and refinancing can become impossible for stretched borrowers.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M6 22V4a2 2 0 0 1 2-2h8a2 2 0 0 1 2 2v18Z\"\/><path d=\"M6 12H4a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2h2\"\/><path d=\"M18 9h2a2 2 0 0 1 2 2v9a2 2 0 0 1-2 2h-2\"\/><path d=\"M10 6h4\"\/><path d=\"M10 10h4\"\/><path d=\"M10 14h4\"\/><path d=\"M10 18h4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Commercial property is more cyclical<\/h3><p class=\"nx-p nx-mt-1\">Office, retail and development loans depend on rents, vacancies and refinancing. Structural shifts such as remote work and online retail can cut values sharply, with losses concentrated in a few lenders.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 2v2\"\/><path d=\"m4.93 4.93 1.41 1.41\"\/><path d=\"M20 12h2\"\/><path d=\"m19.07 4.93-1.41 1.41\"\/><path d=\"M15.947 12.65a4 4 0 0 0-5.925-4.128\"\/><path d=\"M3 20a5 5 0 1 1 8.9-4H13a3 3 0 0 1 2 5.24\"\/><path d=\"M11 20v2\"\/><path d=\"M7 19v2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Climate risk sits in the collateral<\/h3><p class=\"nx-p nx-mt-1\">Flood, subsidence and heat exposure, insurance availability and energy efficiency rules affect property values and borrower costs over the long life of a mortgage.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" 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\">Key terms<\/span><\/div><h2 id=\"nx-s-6\" 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><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" 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\">Indicators<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Loan-to-value ratio at origination<\/td><td data-label=\"Unit\">percent of property value<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Loan-level and supervisory data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Debt-service-to-income ratio at origination<\/td><td data-label=\"Unit\">percent of gross income<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Loan-level data, household surveys<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Mortgage arrears<\/td><td data-label=\"Unit\">percent of loans more than ninety days past due<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Supervisory returns<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Residential property price index<\/td><td data-label=\"Unit\">index relative to a base period<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">BIS and national statistical offices<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">House price to income ratio<\/td><td data-label=\"Unit\">ratio<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">OECD housing prices database<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Commercial real estate exposure<\/td><td data-label=\"Unit\">percent of CET1 capital<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Supervisory returns<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Commercial property vacancy rate<\/td><td data-label=\"Unit\">percent of floor space<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Market data providers<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Variable-rate share of new mortgage lending<\/td><td data-label=\"Unit\">percent of new lending<\/td><td data-label=\"Cadence\">monthly<\/td><td data-label=\"Source type\">Central bank interest rate statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A02\/topics\/housing-property-finance\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" 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\">Canvas<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Housing and property finance as a run graph<\/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-topics-housing-property-finance-urban-t nx-dag-a02-topics-housing-property-finance-urban-d\" data-nx-z=\"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\"><title id=\"nx-dag-a02-topics-housing-property-finance-urban-t\">Housing and property finance: asset register to adaptation options<\/title><desc id=\"nx-dag-a02-topics-housing-property-finance-urban-d\">The asset register is overlaid on hazard layers to find exposure; vulnerability classes turn exposure into expected damage; assets are ranked and adaptation options costed into the capital plan. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"split\" 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 the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">BIS residential and commercial property price statistics<\/td><td data-label=\"What it gives\">Long-run property price indices across countries<\/td><td data-label=\"Licence class\">Free, BIS terms of use<\/td><\/tr><tr><td data-label=\"Source\">OECD housing prices database<\/td><td data-label=\"What it gives\">House price, rent and price-to-income indicators<\/td><td data-label=\"Licence class\">Free, CC BY 4.0<\/td><\/tr><tr><td data-label=\"Source\">ESRB reports on residential and commercial real estate vulnerabilities<\/td><td data-label=\"What it gives\">Assessments and macroprudential measures across EU countries<\/td><td data-label=\"Licence class\">Free, attribution<\/td><\/tr><tr><td data-label=\"Source\">US Home Mortgage Disclosure Act data<\/td><td data-label=\"What it gives\">Loan-level mortgage application and origination records<\/td><td data-label=\"Licence class\">Public domain<\/td><\/tr><tr><td data-label=\"Source\">European DataWarehouse loan-level data<\/td><td data-label=\"What it gives\">Loan-level information on securitised mortgages<\/td><td data-label=\"Licence class\">Licensed, subscription<\/td><\/tr><tr><td data-label=\"Source\">Bank of England Financial Stability Report and mortgage lending statistics<\/td><td data-label=\"What it gives\">Household debt affordability and mortgage market indicators<\/td><td data-label=\"Licence class\">Free, Bank of England terms of use<\/td><\/tr><tr><td data-label=\"Source\">IMF Global Housing Watch<\/td><td data-label=\"What it gives\">Cross-country house price and valuation indicators<\/td><td data-label=\"Licence class\">Free, IMF terms of use<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A02\/topics\/housing-property-finance\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" 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\">Decisions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Banking Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Macroprudential authority<\/td><td data-label=\"The question\">Whether to set or adjust loan-to-value, debt-service-to-income or sectoral capital measures<\/td><td data-label=\"Evidence this page serves\">Price-to-income, credit growth, lending standards and arrears<\/td><\/tr><tr><td data-label=\"Who decides\">Bank board and credit risk committee<\/td><td data-label=\"The question\">What mortgage and commercial property risk appetite, origination standards and concentration limits to set<\/td><td data-label=\"Evidence this page serves\">Portfolio loan-to-value and affordability distributions, stress losses<\/td><\/tr><tr><td data-label=\"Who decides\">Prudential supervisor<\/td><td data-label=\"The question\">Whether risk weights, collateral valuation and provisioning for property lending are adequate<\/td><td data-label=\"Evidence this page serves\">Peer comparisons, on-site reviews and valuation practice<\/td><\/tr><tr><td data-label=\"Who decides\">Housing and finance ministries<\/td><td data-label=\"The question\">How housing policy, taxation and guarantees interact with mortgage credit risk<\/td><td data-label=\"Evidence this page serves\">Affordability, arrears and housing supply evidence<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Explainers on borrower-based measures such as loan-to-value and debt-service-to-income limits<\/li><li>Research on commercial real estate refinancing risk and bank concentration<\/li><li>Guides to bringing flood and energy efficiency data into mortgage risk assessment<\/li><li>Indicator guides for property valuation and affordability measures<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Shared questions the industry asks.<\/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\">How exposed are lenders to property prices?<\/h3><p class=\"nx-p nx-mt-1\">How falls in house and commercial property prices affect losses and capital.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">How do households cope with debt?<\/h3><p class=\"nx-p nx-mt-1\">How interest rate rises and income shocks affect repayment.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">What do physical hazards do to collateral?<\/h3><p class=\"nx-p nx-mt-1\">How flood, storm and subsidence affect property values and insurability.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">How does commercial property differ?<\/h3><p class=\"nx-p nx-mt-1\">How changes in work patterns, retail and refinancing affect commercial real estate.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How the risk arises and transmits.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Property lending is secured, so losses depend on both default and collateral value. Price falls reduce recoveries and can leave borrowers owing more than their homes are worth, which raises default risk.<\/p><p class=\"nx-p\">Interest rates matter. Variable-rate and short-fixed mortgages pass rate rises to households quickly, straining budgets. Fixed-rate lending shifts interest rate risk to lenders.<\/p><p class=\"nx-p\">Physical hazards are increasingly relevant. Properties in flood-prone or coastal areas may lose value or insurability, affecting collateral across whole regions.<\/p><p class=\"nx-p\">Commercial real estate has its own dynamics. Changes in office and retail demand, refinancing needs and valuation lags can produce sudden repricing.<\/p><p class=\"nx-p\">Property cycles and credit reinforce each other. Easy credit raises prices, which raises collateral values and further credit, until the cycle turns. When it does, forced sales by stressed borrowers and lenders can push prices down further, which is why property has featured in many banking crises.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and limits<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How evidence is gathered, and where it stops.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Method or data<\/th><th scope=\"col\">What it shows<\/th><th scope=\"col\">Its limit<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Method or data\">Loan-to-value and income data<\/td><td data-label=\"What it shows\">Borrower leverage<\/td><td data-label=\"Its limit\">Aggregated; may lag<\/td><\/tr><tr><td data-label=\"Method or data\">House price indices<\/td><td data-label=\"What it shows\">Market movements<\/td><td data-label=\"Its limit\">Regional detail varies<\/td><\/tr><tr><td data-label=\"Method or data\">Hazard overlays<\/td><td data-label=\"What it shows\">Collateral exposure<\/td><td data-label=\"Its limit\">Property location data quality<\/td><\/tr><tr><td data-label=\"Method or data\">Stress scenarios<\/td><td data-label=\"What it shows\">Losses under price and rate shocks<\/td><td data-label=\"Its limit\">Assumption-dependent<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/financial-economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial economics and macro-finance<\/span><span class=\"nx-mledger-role\">Macro-financial stress scenarios \u00b7 Credit cycle and buffer calibration<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><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><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/financial-economics\/\" aria-label=\"Financial economics and macro-finance: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/probability-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Probability and statistics<\/span><span class=\"nx-mledger-role\">Estimating default and loss parameters \u00b7 Operational loss modelling<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><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><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/probability-statistics\/\" aria-label=\"Probability and statistics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/financial-engineering\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial and risk engineering<\/span><span class=\"nx-mledger-role\">Expected credit loss modelling \u00b7 Counterparty exposure and valuation adjustments<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><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><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/engineering\/financial-engineering\/\" aria-label=\"Financial and risk engineering: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Credit decisioning with explainability \u00b7 Early warning and transaction monitoring<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><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><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/banking-nexus\/stem\/network-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">05<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Network science and contagion<\/span><span class=\"nx-mledger-role\">Interbank and counterparty contagion \u00b7 Overlapping portfolios and fire sales<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><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><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/network-science\/\" aria-label=\"Network science and contagion: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Property prices are smoothed by appraisal and thin trading, especially in commercial real estate, so valuations lag the market. Loan-level data are uneven across countries. Arrears are a lagging indicator, and forbearance can mask stress. Physical hazard data for individual properties are modelled and uncertain. Banking Nexus explains how property credit risk is measured and supervised; it gives no advice on buying, selling or financing property.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is a borrower-based measure?<\/summary><div class=\"nx-answer\">A limit on lending terms, such as a maximum loan-to-value, loan-to-income or debt-service-to-income ratio, set by a macroprudential authority to contain household leverage and lender losses.<\/div><\/details><details><summary>Why is commercial real estate treated separately?<\/summary><div class=\"nx-answer\">It is more cyclical, more dependent on refinancing and less transparent in pricing than residential property, and its losses tend to concentrate in fewer lenders.<\/div><\/details><details><summary>How do climate risks affect mortgages?<\/summary><div class=\"nx-answer\">Hazard exposure and insurance availability affect collateral values and borrower costs over long loan lives, and energy efficiency rules can change the value of older buildings.<\/div><\/details><details><summary>Does GRA value properties or give mortgage advice?<\/summary><div class=\"nx-answer\">No. It values no property and advises no borrower or lender.<\/div><\/details><details><summary>Why does insurability matter for mortgages?<\/summary><div class=\"nx-answer\">Because uninsurable properties may lose value and expose both owners and lenders to uncovered losses.<\/div><\/details><details><summary>Is commercial property covered?<\/summary><div class=\"nx-answer\">Yes, as research on shared exposures, without assessing any lender or property.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" 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\/topics\/credit-and-counterparty-risk\/\">Credit and counterparty risk <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\/topics\/capital-and-liquidity\/\">Capital and liquidity <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\/topics\/bank-operational-resilience\/\">Bank operational resilience <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\/topics\/climate-and-nature-bank-risk\/\">Climate and nature risk in banking <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\/topics\/payment-dependencies\/\">Payment dependencies <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\/topics\/model-and-ai-risk\/\">Model and AI risk <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-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Banking Nexus<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this 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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\/topics\/housing-property-finance\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/housing-property-finance\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a borrower-based measure?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A limit on lending terms, such as a maximum loan-to-value, loan-to-income or debt-service-to-income ratio, set by a macroprudential authority to contain household leverage and lender losses.\"}},{\"@type\":\"Question\",\"name\":\"Why is commercial real estate treated separately?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is more cyclical, more dependent on refinancing and less transparent in pricing than residential property, and its losses tend to concentrate in fewer lenders.\"}},{\"@type\":\"Question\",\"name\":\"How do climate risks affect mortgages?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Hazard exposure and insurance availability affect collateral values and borrower costs over long loan lives, and energy efficiency rules can change the value of older buildings.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA value properties or give mortgage advice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It values no property and advises no borrower or lender.\"}},{\"@type\":\"Question\",\"name\":\"Why does insurability matter for mortgages?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because uninsurable properties may lose value and expose both owners and lenders to uncovered losses.\"}},{\"@type\":\"Question\",\"name\":\"Is commercial property covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, as research on shared exposures, without assessing any lender or property.\"}}]},{\"@type\":\"DefinedTermSet\",\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/housing-property-finance\/#terms\",\"name\":\"Key terms: Housing and property finance\",\"inLanguage\":\"en\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/banking-nexus\/topics\/housing-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\/topics\/housing-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\/topics\/housing-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\/topics\/housing-property-finance\/#terms\"}}]}]}<\/script>\n\n<!-- nx-rev:8a3c4f612901181e -->\n<!-- nx-path:\/topics\/housing-property-finance\/ -->","protected":false},"excerpt":{"rendered":"<p>LightDarkAuto A02 \u00b7 TOPIC \u00b7 housing-property-financeGRA dossier \u00b7 service level R0 GRA\u00b7Banking Nexus\u00b7Established Topic dossier \u00b7 Banking Nexus Housing and property finance Mortgages and property lending are among the largest &hellip; 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