+Artikel 2 Homogenitätsfaktoren
---+Article 2 1.
---+Article 2 2.
---+Article 2 3.
---+Article 2 4.
---+Article 2 5.
---+Article 2 6.

Artikel 2 Homogenitätsfaktoren

1. Übersicht

,
Article 2 1.

The homogeneity factors for the asset type referred to in Article 1(a)(i) shall be the following:

(a) 

ranking of security rights, whereby the pool of underlying exposures consists of only one of the following:

(i) 

loans secured by first ranking security rights on a residential immovable property;

(ii) 

loans secured by lower and all prior ranking rights on a residential immovable property;

(iii) 

loans secured by lower ranking security rights on a residential immovable property;

(b) 

type of residential immovable property, whereby the pool consists of only one of the following types:

(i) 

income-producing properties;

(ii) 

non-income producing properties;

(c) 

jurisdiction, whereby the pool consists of exposures secured by residential immovable properties located in the same jurisdiction.
Article 2 2.

The homogeneity factors for the asset type referred to in Article 1(a)(ii) shall be the following:

(a) 

ranking of security rights, whereby the pool consists of only one of the following types of underlying exposures:

(i) 

loans secured by first ranking security rights on a commercial immovable property;

(ii) 

loans secured by lower and all prior ranking rights on a commercial immovable property;

(iii) 

loans secured by lower ranking security rights on a commercial immovable property;

(b) 

type of immovable commercial property, whereby the pool consists of only one of the following types:

(i) 

office buildings;

(ii) 

retail space;

(iii) 

hospitals;

(iv) 

storage facilities;

(v) 

hotels;

(vi) 

industrial properties;

(vii) 

other specific type of commercial immovable properties;

(c) 

jurisdiction, whereby the pool consists of underlying exposures secured by properties located in the same jurisdiction.
Article 2 3.

The homogeneity factors for the asset type referred to in Article 1(a)(iv) shall be the following:

(a) 

type of obligor, whereby the pool consists of only one of the following types of obligors:

(i) 

micro-, small- and medium-sized enterprises;

(ii) 

other types of enterprises and corporates;

(b) 

jurisdiction, whereby the pool consists of only one of the following types of underlying exposures:

(i) 

exposures secured by immovable property located in the same jurisdiction;

(ii) 

exposures to obligors with residence in the same jurisdiction.
Article 2 4.

The homogeneity factors for the asset type referred to in Article 1(a)(v) shall be the following:

(a) 

type of obligor, whereby the pool consists of underlying exposures with only one of the following types of obligors:

▼M1

(i) 

individuals, and enterprises where the originator applies the same approach for assessing the credit risk associated with exposures to enterprises as for exposures to individuals;

▼B

(ii) 

micro-, small- and medium-sized enterprises;

(iii) 

other types of enterprises and corporates;

(iv) 

public sector entities;

(v) 

financial institutions;

(b) 

jurisdiction, whereby the pool consists of underlying exposures to obligors with residence in the same jurisdiction.
Article 2 5.

The homogeneity factors for the asset type referred to in Article 1(a)(vi) shall be the following:

(a) 

type of obligor, whereby the pool consists of underlying exposures with only one of the following types of obligors:

▼M1

(i) 

individuals, and enterprises where the originator applies the same approach for assessing the credit risk associated with exposures to enterprises as for exposures to individuals;

▼B

(ii) 

micro-, small- and medium-sized enterprises;

(iii) 

other types of enterprises and corporates;

(iv) 

public sector entities;

(v) 

financial institutions;

(b) 

jurisdiction, whereby the pool consists of underlying exposures to obligors with residence in the same jurisdiction.
Article 2 6.

The homogeneity factors for the asset type referred to in Article 1(a)(viii) shall be any of the following:

(a) 

type of obligor;

(b) 

ranking of security rights;

(c) 

type of immovable property;

(d) 

jurisdiction.

1.1 Referenzen

1.2 Identifizierte Anforderungen

1.3 Zugehörige Standards

2. Identifizierte Anforderungen

Anforderungen

3. Zugehörige Standards

Standards
  • Builddate: 06.03.2024 00:00:00 -Doknr: CELEX:32019R1851
  • EULAW -

    EN: Legal acts of the European Union from EUR-Lex, https://eur-lex.europa.eu/. © European Union. Re-use is authorised by Decision 2011/833/EU, provided the source is acknowledged; the consolidated texts are licensed under CC BY 4.0 (EUR-Lex legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the legislation published in the Official Journal of the European Union is deemed authentic.

    DE: Rechtsakte der Europäischen Union aus EUR-Lex, https://eur-lex.europa.eu/. © Europäische Union. Weiterverwendung nach Beschluss 2011/833/EU mit Quellenangabe gestattet; die konsolidierten Fassungen stehen unter CC BY 4.0 (Rechtlicher Hinweis von EUR-Lex). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Verbindlich sind allein die im Amtsblatt der Europäischen Union veröffentlichten Rechtsakte.