| Accumulated from the beginning of year | Year (-1) | ||||||||
| Balance of housing loans | Total off-balance sheet credit risk | Balance of housing loans | Total off-balance sheet credit risk | ||||||
| Total | Of which: bullet and balloon | Of which: variable rate | Total | Of which: bullet and balloon | Of which: variable rate | ||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | ||
| First degree pledge | |||||||||
| LTV up to 60% | 1 | ||||||||
| over 60% | 2 | ||||||||
| Secondary or no pledge | 3 | ||||||||
| Total | 4 | ||||||||