171. In the assessment of the borrower’s repayment capacity, institutions should assess, where …

In the assessment of the borrower’s repayment capacity, institutions should assess, where relevant:

• a. the sustainability of the cash flow;
• b. the quality of the tenants, the impact of changes to current rental income on the amortisation schedule, lease terms, maturities and conditions, and payment history of the tenant if already in place;
• c. reletting prospects, the cash flow required to service the loan in accordance with the loan agreement if there are needs for reletting, if applicable the performance of the asset in an economic downturn, and fluctuations in rental yields over time, to assess the presence of overly compressed yields;
• d. necessary capital expenditure on the property throughout the term of the loan.

1. Forbhreathnú

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

3. Caighdeáin ghaolmhara

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