2022_6563 When to apply CCF to residential mortgage off balance sheet exposure

Question ID:: 2022_6563
Legal Act:: Regulation (EU) No 575/2013 (CRR)
Topic:: Credit risk
Article:: 125
Paragraph:: 2
Subparagraph:: d
COM Delegated or Implementing Acts/RTS/ITS/GLs/Recommendations:: Not applicable
Article/Paragraph:: N/A
Disclose name of institution / entity:: No
Type of submitter:: Individual
Subject Matter:: When to apply CCF to residential mortgage off balance sheet exposure
Question:: For off balance sheet exposures, when Article 125(2)(d) references 'the part of the loan' that is less than or greater than 80% of the property value, does this refer to exposure, or gross loan balances. Therefore, should the required CCF be applied before or after comparing the balance commitment to the property value?
Background on the question:: N/A
Date of submission:: 17/08/2022
Published as Rejected Q&A: 30/11/2022
Rationale for rejection:: This question has been rejected because it does not fulfil the formal criteria for submission. For further information on the purpose of this tool and on how to submit questions, please see 'Additional background and guidance for asking questions'.
Status:: Rejected question