Richard Boyd Barrett (Dún Laoghaire, People Before Profit Alliance) | Oireachtas source

I am not familiar with that component of the Nyberg report and how it was derived. It is most important that it be decided by income and that banks not be glorified pawnbrokers. Ultimately, it is a judgment call on the capacity of the customer in terms of income. The security is used to repay the bank in a case of default. It is the cashflow of the customer that is judged, whether it be a business, corporate, construction company or a consumer.