The part of an exposure treated as fully secured by a German property shall be the lower amount of the market value or the mortgage lending value of the property. Does it mean that the mortgage lending value of the German property must be determined so that the property can be treated as collateral? How shall we treat the German property, in which only the market value exists, but not the mortgage lending value?

We don't use the mortgage lending value of the property in Austria so that the part of an exposure treated as secured will be only determind by the market value of the property.

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