sentences: the amended regulations  governing  the  extension  of  mortgage  loans  by  financial  institutions the regulations took effect on december 8, 2020, a policy move in line with  the aims of efficient allocation and proper use of credit resources in the governments  program to foster a sound real estate market. so far, the ltv ratios of the loans  governed by the regulations have dropped and the interest rates thereof have risen, but  there remains a substantial increase in banks real estate lending