Loans granted to households and non-profit institutions serving households for purchase of a house, a flat or a plot of land, for building or refurbishment, including those mortgage loans and loans for renovation of a house (a flat) that add value to the economic features of the house (flat).
The definition of the concept is consistent with the Regulation (EC) No 1071/2013 of the European Central Bank of 24 September 2013 concerning the balance sheet of the monetary financial institutions sector (Recast) (ECB/2013/33).