Currently applicable macroprudential measures in Latvia:
| Measure | Rate | Effective date |
| Countercyclical capital buffer (CCyB) | 0% |
1 May 2022 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% AS Citadele banka – 1.75% AS SEB banka – 1.75% AS Rietumu banka – 1.00% BluOr Bank AS – 0.25% |
1 January 2023 (decision adopted on 20 December 2021) 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 June 2007 (law adopted on 17 May 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 September 2014 |
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| 70% for buy-to-let housing loans or other housing loans generating income as a result of real estate activities; moreover, only up to 70% of the expected income from the real estate are taken into account 70% for housing loans, if the borrower's income from real estate exceeds 20% of the total income |
1 June 2020 (regulation adopted on 27 November 2019) |
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| Debt service-to-income (DSTI) (the total monthly amount of debt payments to financial institutions to the borrower's monthly net income)* | 40% (the tolerance margin may not exceed 10% of the institution's newly granted loans to natural persons in a quarter) |
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| Debt-to-income (DTI) ratio* | 6 times (the tolerance margin may not exceed 10% of the institution's newly granted loans to natural persons in a quarter) |
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| Loan maturity limits* | 30 years for housing loans, 7 years for consumer loans (the tolerance margin may not exceed 10% of the institution's newly granted loans to natural persons in a quarter) |
* Partial exemption is set – the tolerance margin may not exceed 10% of the institution's newly granted loans to natural persons on a quarterly basis.