Margin requirements, variable capital requirements have to be re-introduced, that is my personal position.

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The bonds carry a variable interest rate that tracks six-month Euribor rates with an average additional margin of 263 basis points.

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The same is true of the assumption that the mortgage repayment will rise (it could be a longer-term fixed rate for example), or by how much - we have used the Standard Variable Rate (SVR), but the borrower may be using a mortgage which charges a different interest margin.

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