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Dutch mortgages: good track record in terms of performance

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On average, Dutch mortgages have high Loan-to-Value and Loan-to-Income ratios. Figure 1 and Figure 2 show that LTV and DTI (Debt-to-Income) ratios (both at origination) in the Dutch market are amongst the highest in Europe. These values are usually seen as indicators of a high-risk mortgage market.

Yet at the same time, Dutch mortgages have a good track record in terms of performance. According to Fitch (2013, see Figure 3), default rates in the Dutch mortgage market are low compared to other countries.1 The Netherlands scores amongst the best markets. The number of foreclosures is equally low. Although losses have increased over the past years (Figure 4), and may increase further, the actual loss rate (0.08 percent in 2013) is still very low.

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