Currently applicable macroprudential measures in Latvia:
| Measure | Rate | Effective date |
|
1.0% |
18.06.2025 (decision adopted on 18.12.2023) The need to change the previous decision is reviewed on a quarterly basis |
|
|
Capital buffer for other systemically important institutions (O-SIIs) |
Swedbank Baltics AS – 2.00% |
22.12.2025 Reviewed on an annual basis |
| Loan-to-value (LTV) ratio |
90% for all loans to consumers exceeding 100 minimum wages and secured by a mortgage on real estate |
12.06.2007 |
|
95% for loans secured by a mortgage on real estate and state guarantee in accordance with the Law on Assistance in Solving Apartment Matters |
25.09.2014 |
|
|
70% for buy-to-let housing loans or other housing loans generating income as a result of real estate activities* |
01.06.2020 (regulation adopted on 27.11.2019) (amendments regarding differentiated DSTI and DTI limits to loans for obtaining energy efficient housing adopted on 18.12.2023 and in force as of 01.01.2024) |
|
|
Debt service-to-income (DSTI) (the total monthly amount of debt payments to financial institutions to the borrower's monthly net income)* |
40% 45% to loans for obtaining energy efficient housing |
|
|
Debt-to-income (DTI) ratio* |
6 times 8 times to loans for obtaining energy efficient housing |
|
| Loan maturity limits* |
30 years for housing loans 7 years for consumer loans |