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Anyone know who 'approves' of new lending regulations?

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Amid the noise of politicians, lobbyists and commentators opining on the property market on everything from homelessness to the demise of the Dublin 6 market, perhaps one figure stands above all, and indeed, drives all other conversation.

It comes from the Banking and Payments Federation which shows the number of mortgage approvals for property purchase dropped by 14.1pc over the year (the value by 12.6pc) most notably in the final quarter, the biggest decline since they began reporting in 2011.


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