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Finma has issued a warning to banks about the risks of mortgage loans and potential defaults, citing excessive self-regulation in lending practices. In response, UBS expert Claudio Saputelli argues that the warning is exaggerated, referencing a decline in the UBS Swiss Real Estate Bubble Index and suggesting that the supervisory authority's concerns may be influenced by external pressures. He cautions that stricter regulations could dampen demand for mortgages, as many buyers already struggle to meet affordability criteria.
The Swiss Financial Market Supervisory Authority (Finma) has criticized banks for lax mortgage lending practices, warning of potential risks in the real estate market. In contrast, UBS economists argue that the risks are overstated, citing a decline in the UBS Swiss Real Estate Bubble Index and suggesting that stricter lending criteria could dampen demand for mortgages. Finma's findings indicate that over 40% of banks deviate from lending guidelines, raising concerns about creditworthiness assessments.
Claudio Saputelli
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Finma Warns Banks on Mortgage Risks Amid UBS Expert's Dismissal
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