Ciarán Lynch (Cork South Central, Labour)
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On foot of the more prudential measures issued by the Central Bank in 2009 regarding loan-to-value, LTV, ratios, income ratios and stuff like that, has there been a significant change in the schedule of mortgages? Has it gone back from 35 years to 20 years or 25 years? What LTV does Permanent TSB apply on those loans?