Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

I appreciate the clarification that the figures are for the overall industry. One in five of the value of all loans the bank will issue can be above the loan-to-value ratio of 80%. How does the bank inform customers that they may be entitled to it? Say, a person who wants to trade up is examining these calculations and wants to buy a house which costs €300,000. The person calculates that he or she needs a deposit of €60,000 and, therefore, decides to forget about it, not knowing that for every five loans the bank issues, one of them can be above the ratio and this person could be that one person. How does the bank communicate, advertise and select the individual who will be able to go above the loan-to-value thresholds set by the Central Bank?