24. For the purposes of Article 26b(8), third subparagraph, of Regulation (EU) 2017/2402, exposures …

For the purposes of Article 26b(8), third subparagraph, of Regulation (EU) 2017/2402, exposures with defined periodic payment streams should include:

a. exposures payable in a single instalment in the case of revolving securitisation, as referred to in Article 26b(12), point (a), of Regulation (EU) 2017/2402;
b. exposures related to credit card facilities;
c. exposures with instalments consisting of interest and where the principal is repaid at maturity, including interest-only mortgages;
d. exposures with instalments consisting of interest and repayment of a portion of the principal, where either of the following conditions is met:

(i) the remaining principal is repaid at maturity; (ii) the repayment of the principal is dependent on the sale of assets securing the exposures;

e. exposures with temporary payment holidays as contractually agreed between the debtor and the lender.

Underwriting standards, originator’s expertise (Article 26b(10) of Regulation (EU) 2017/2402)

Disclosure of material changes from prior underwriting standards

1. Overview

Summary	Regulation

Requirements
Source	Requirement

Standards
Source	Requirement

EBA -
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