| Sale by agreement/assisted sale | The credit institution and the borrower agree to voluntarily dispose of the secured asset(s) to partially or fully repay the debt. | Credit institutions should restructure any residual debt post the assisted sale with an appropriate repayment schedule in line with the borrower’s reassessed repayment ability. For forbearance measures that may require the sale of the property at the end of the term, credit institutions should conservatively consider the future approach to any shortfall that could remain after the sale of the property and address it as early as possible. For exposures that are repaid by repossession of collateral at a predefined moment, the repossession does not Viability and other important |