"FI believes that the banks in this situation should be generous in applying the exemption," writes the authority, whose report nevertheless shows that borrowers generally have good margins to cope with a poor financial situation.
But there are those who have more strained household coffers. Above all, unemployment threatens the housing cost calculation. 39 per cent of the single households without income insurance receive a deficit in their monthly calculation, according to FI's calculations.
In its report, FI also notes that new mortgage borrowers increased their debt ratio last year, which broke the trend since 2013 with falling mortgage rates.