Ciarán Lynch (Cork South Central, Labour) | Oireachtas source

If a person bought a house in the 1980s, albeit with a different interest rate at the time, they would have had a 20 year schedule, the ratio of their income would have been more measurable to the mortgage they were taking onboard, they would have had to come up with 90% ... or they'd be on an LTV of 90%, they'd have to come for a 10% deposit, there ... there wouldn't have been a tracker rate, that would be subject to all the variables coming down the line, so regardless of any external stimulus that might have been happening outside the Republic of Ireland, given these significant changes away from traditional banking practices, was there or not a danger already in place in the Irish banking sector because of the product and how the product had changed over two decades from the 1980s into the 2000s?